davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

This is a formal complain against all XXXX credit bureaus - XXXX, XXXX, Equifax. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXXXXXX XXXX into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all XXXX credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All XXXX credit agencies reported that the derogatory remark was because of the outstanding, XXXX days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXXXXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group (NC)

Received a harassing call from XXXX XXXX where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at XXXX XXXX!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXXDOFED XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX/DOFED - XXXX U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE US DEPT ED - XXXX - U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE. 


INQUIRY - CXXXX XXXX XXXX XXXXXX/XX/XXXX - NOT MINE INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY XXXX XXXX XXXX - XX/XX/XXXX INQUIRY XXXX XXXX XXXXXXXX XX/XX/XXXX INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX XX/XX/XXXX INQUIRY - XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/23, I was approved for an American Express business blue cash credit card after I applied to a 18 month 0 % interest rate balance transfer. The program was promoted online as a 0 % interest credit card for 18 months and marketed as a card to transfer a balance & have 18 month of XXXX  interest. 

On XX/XX/23, Amex sends me a payment request with interest attached to my balance. I called and told them that I applied to the promotion for 0 % interest on balance and purchases. They assured me that its not going to be applied and will be reversed. They thanked me for my service. 

As of recently, I downloaded the app and saw my bank statements in more detail and see the interest was never removed, and I none of the promotional offers were applied to my credit card. 

I did not benefit from any of the promotional offers advertised. In XXXX, they said my card was not approve for the 0 % promotion & my interest rate is at 29 %. This is drastically higher than what was promoted and I didnt not receive any mail that I was at this predatory rate. I wouldve never signed up for this credit card if I knew it was at 25 % APR. 

Since XXXX, they have charged me in total thousands of dollars for interest, an average of {$400.00} per month worth of interest. I asked for them to remove the interest and Ill pay of my balance in full. 

Im requesting that CFCB investigate this case and enforce AMEX to honor the promotion I applied for to reverse my interest charges.

They currently are marketing the promotion for this card online at 0 % interest for 12-15 months. This ad is misleading and confusing.
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second 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 records 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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Adjustment Services of Harrisburg, Inc (IN)

I recently checked my credit report and CASH PRO is falsely reporting a trade-line on my report. Not only are they damaging my report but I have been recently denied credit because of this tradeline. Cash Pro is a third-party debt collector and have violated several of my rights protected by the FDCPA. they are ruining my reputation and causing me extreme damages by reporting this false information. I have NEVER done business with this company and they are demanding that I pay something I don't owe them. 
They were also provided my personal information under false pretenses of an alleged Debt I demand that they delete both tradelines immediately as they have already made me feel ashamed and embarrassed. If this matter is not resolved in a timely manner, I will have no other choice but to take action and sue them for their violations under the FDCPA. 

Thanks for your understanding..
Consumer complaint received 2024-04-29
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I PURCHASED A VANIILA GIFT CARD FROM XXXX ON XXXX XXXX  I FILED A CLAIM FOR unauthorized transactions on the gift card, after noticing the funds were used upon checking the balance on my gift card. on XXXX XXXX XXXX the company sent me a letter stating after their investigation they verified my card was present during the time of the purchase. I then called incomm payments.vanillagift.com on XX/XX/year> and asked them to email me or mail me the investigation summary and what they used to determine my card was present because my card was not present at the time of this purchase.I also explained to the rep that I am out of XXXX dollars based on this unauthorized transaction. The rep stated he had no papers to mail me and to refer to the letter sent to my email. I asked to rep to reopen my case and ask for a reconsideration since I have no way of recovering my funds that were stolen from me, he stated he could not reopen the case and this was their final decision.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or around XXXX XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX  ( the Company ) which involved me making deposits for a total amount of XXXX USD my Chase Bank account to a fraudulent investment
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing this letter to inform you that I've been a victim of an Identity theft. Upon checking my credit report I find some incorrect information my report. I've contacted Experian, XXXX and XXXX to try to dispute this information more than seven time with and FTC Report statement why the accounts doesn't belong to me and every time I asked them for proof they don't provide it. They always come back with a message that the account comes back verified. I don't know what to do at this point. please help. 
These are the following accounts : ACCOUNT Address identification number 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 Incorrect personal information. 
Name : XXXX XXXX, XXXX A XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Multifamily XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Disputed XXXX XXXX and the credit bureaus each replied back with valid however per the attachment however per the XXXX the vehicle isn't in my name and is title to another person, if any uncertainty exsist or doubt than the account isn't 100 % accurate.
Consumer complaint received 2023-09-04
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. (TX)

I'm trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law, there should not be any damages on my report.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I was called by a Wells Fargo fraud department phone number stating my account was showing rejecting a potential fraudulent withdrawal. They asked if it was me. I said no i didnt try to withdraw money. They said theyd text me a verification code which i confirmed. They did it one more time. I verified. They hung up. I called the bank back and they said they had no record of the call but mentioned a call into an automated system to increase my withdrawal limit. I told the bank this was NOT me. They asked if i wanted to not allow permissions to the automated systems which i said absolutely remove that. They asked if i had my card which i did. They asked if i withdrew XXXX today from an ATM and i did not. They entered a claim which came back as not covered and they accused me of withdrawing the money or allowing someone else to. Im severely disappointed in their lack of security for my money and willingness to protect it when its in jeopardy.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (HI)

I asked Chase for a Liquidation  plan to settle my credit card with them. They offered me unfavorable terms and unfavorable payment options. I am asking the executive office to review more options that would be feasible to all invovled mutually.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

I have reached out to Kik Off lending and informed them that this account was opened fraudulently and that they needed to remove the account off of my credit report. I then also reported it to the bureaus. They then said sorry it was opened fraudulently and charged it off and closed the account but refuse to remove it off of my account. According to the FCRA 15 US Code 1681eb. I know this is considered a paid debt and they have written it off on their taxes. So therefore it needs to be removed.
Consumer complaint received 2024-05-28
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. (NV)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-02-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

I have a mortgage with Nationstar Mortgage LLC DBA Mr. Cooper. Around XXXX of XXXX   I received a paycut from my current job and have become unable to make my mortgage payments. I have reached to the Company numerous times to explain my situation but they quickly mentioned eviction without even suggesting how they could assist or what can be done. I had to pry and look around the website to even get information about an Application for Hardship. I would love to keep my house and I have started to work 3 jobs so I can catch-up on missed payments. I have submitted the Application for Hardship ( early XX/XX/XXXX ) online and submitted but did not see anywhere to upload supporting documents. I was never notified that documents were missing and the application was disapproved without even telling me. Did not receive any letters or emails to the fact. I find out when I logged into the website that I was disapproved. I reached out to find out why and told I could resubmit a paper application. I mailed the application XX/XX/XXXX and looks like they have not received it yet. I called today, XX/XX/XXXX to make a {$1000.00} payment and was told they would not accept it because it was not the minimum. I was hoping they would be happy to receive some money from me at least to start paying down what I owe on the hopes of making another payment on my next paycheck. The process with them has not been the best and I feel like I scum when they talk to me. I truly would like to make-up payments as I work my 3 jobs to get me all caught up while also finding another job.
Consumer complaint received 2024-04-29
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (FL)

This account is reporting a late payment to the credit bureaus but I have never been late. Please tell them to update to Paid as Agreed or remove the entire account from my credit report due to inaccurate reporting. Thank you.