davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, AK XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX {$190.00}, XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX CO ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX I Reported XXXX XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK (AR)

Very odd things on my receipt 's, being charged when I pay cash, a trust account that neither myself or wife are aware of which makes sense as to why we are constantly billed twice for items. We have never and would never agree to have anyone over our money and we are certain its from my wifes previous employer. Our FHA loan is also linked to an investment account that we also never agreed too
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have letters to XXXX XXXX  asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX  XXXX This account is listed innacurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, Equifax and XXXX. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLIPHANT FINANCIAL, LLC (GA)

OLIPHANT, XXXX XXXX AND XXXX ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. OLIPHANT HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN OLIPHANT CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (NJ)

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and Aspire has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late 30 days in XXXX of XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing 30 days late in XXXX of XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Progressive Account # 27 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

I am writing to file a formal complaint against American Express regarding their mishandling of a dispute related to a purchase made with my American Express credit card. The dispute in question pertains to a ticket purchased from XXXX XXXX in XX/XX/2023, which was misrepresented by the airline and subsequently mishandled by American Express. 

Event Summary : Purchase of Business Flex Fare : In XX/XX/2023, I purchased a ticket from XXXX XXXX, represented as a " Business Flex '' fare. XXXX prominently advertises Business Flex fares as fully refundable at the time of purchase. 

Refund Denial by XXXX : Despite the clear representation and the terms and conditions under which the ticket was purchased, XXXX failed to honor the refund as per their own policies. 

Dispute Filed with American Express : In response to the denial by XXXX, I promptly filed a dispute with American Express, providing comprehensive evidence, including screenshots, demonstrating that the purchased ticket was indeed a Business Flex fare, eligible for a refund according to XXXX 's policies. 

Disregard by American Express : Surprisingly, American Express disregarded the information provided and, without a thorough investigation, sided with XXXX. This action is in clear violation of consumer protection regulations and undermines the purpose of dispute resolution mechanisms. 

I would like to bring to your attention the following specific points that highlight the potential violations of consumer credit card regulations : Misrepresentation by XXXX : XXXX misrepresented the nature of the purchased ticket, leading to false expectations on the consumer 's part. 

Failure to Honor Terms and Conditions : XXXX 's refusal to honor the refund for a Business Flex fare, as per their own terms and conditions, is a breach of contractual agreement. 

Negligent Dispute Handling by American Express : American Express failed to conduct a thorough investigation and ignored compelling evidence provided during the dispute resolution process. 

I kindly request that you investigate this matter thoroughly and take appropriate action against American Express for their failure to uphold consumer rights and adhere to the regulations governing credit card disputes.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (TX)

Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CA)

On XXXX my 2nd XXXX  was stolen from my house and it is exactly identical to my main XXXX with all my information and cards etc inside the phone.. I had a guy over that I was newly getting to know well he must of obviously been watching me I put my code in my phone when we was selecting music to play off my XXXX and I didn't realize my XXXX XXXX was snatched until I saw charges for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX on my moneylion roar account on the XXXX of XXXX and XXXX of XXXX is when the fraud happened. When I noticed that I went and looked and couldnt find my other XXXX it was gone. Also neither did the company ( money lion ) fraud system didn't tag the big purchase amounts as alarming and never even blocked my card when these transactions happened allowing a company to just take what it wants with no detection of fraud alerts or even blocking my card to verify if it's me making the transactions .So I put my XXXX XXXX in lost mode so nobody could use if anymore I contacted money lion to cancel my card. And to dispute the charges. I informed them I had done business back in XXXX with this merchant but no longer have I conducted any more transactions with them... I told them what happened submitted a police report/ emails to the merchant telling me my XXXX XXXX was used to purchase these transactions that's when I knew who did it and they had my phone. I contacted XXXX asking them if there was any other protocol I hadn't done to further protect ny account. It seems I had it all put together in the order I did it. There was also transactions fraudulently on my XXXX money account from the same merchant XXXX XXXX XXXX XXXX went ahead and credited me and final credited me admitting there was a error to the transactions. I sent this to money lion THE OTHER BANKS DESCISION and they did nothing with all that information and didn't credit me back the fraud and held me liable for the charges. This company is the worst and they need to be corrected. I'm not liable for fraud. And I'm not going to sit here and do nothing which is why I'm contacting you. I need your help in resolving this issue
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY IS ACCESSING MY CREDIT REPORT AND I DO NOT HAVE ANY ACCOUNTS WITH THEM NOR DID I APPLY. I HAVE ADVISED THEM VIA TELEPHONE THEY DO NOT HAVE PERMISSION AND ACCORDING THE THE LAW : A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 

FCRA 604 ( a ) ( 3 ) ( A ) .If the debt collector does not have active collection authority on a debt of the consumer, they have no permissible purpose.

The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. 

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

I filed a dispute to receive credit for a purchase. In the mean time, XXXX issued a credit for the purchase but Goldman Sachs did not return the disputed funds back to XXXX even though I was told the funds would go back to the merchant ( XXXX ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As ofXX/XX/24 I had to pay XXXX the funds Goldman had not returned.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (MI)

global lenders accused me of having three late pays. when in all actuality i've alway paid on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the alleged dates
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (CO)

Complaint about the Failure to Obtain the Early Warning Report Respected Consumer Financial Protection Bureau : I am lodging a complaint here against Early Warning because it has been a week since I applied for the report and I still have not received it, with no news at all. 

I have provided all the necessary information required by Early Warning to apply for the report, including but not limited to social security number, name, address, date of birth, and phone number. I also followed their instructions and submitted the application through the specified methods. 

However, a week has passed and I have not received any notice about the progress of the report, nor have I received the report itself. I have tried to contact Early Warning 's customer service department multiple times, but each time I either encountered a long waiting time or was unable to get through. 

This situation has caused me great distress and inconvenience because I need this report to understand the relevant information and make important decisions. 

I believe that Early Warning 's failure to provide the report in a timely manner is an irresponsible behavior that has seriously affected my rights and interests. I hope that your bureau can intervene in the investigation of this matter, prompt Early Warning to provide the report I applied for as soon as possible, and improve their services to avoid similar situations from happening again. 

Thank you for your attention and support regarding this matter. I look forward to a prompt resolution. 

Complainant : [ XXXX XXXX ] XXXX XXXX : [ XXXX ] Date : XX/XX/year>