davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, 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. (FL)

-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( 1. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 2. XXXX XXXX XX/XX/XXXX - ( 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - ( 4. XXXX XXXX XX/XX/XXXX - ( 5. XXXX XXXX XX/XX/XXXX - ( 6. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - ( 7. XXXX XXXX XXXXXX/XX/XXXX - ( 8. XXXX XX/XX/XXXX - ( 9. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 10. XXXX XXXX XX/XX/XXXX - ( 11. XXXXXXXX XXXX XX/XX/XXXX - ( 12. XXXX XXXXXX/XX/XXXX - ( 13. XXXX XXXXXX/XX/XXXX - ( 14. XXXX XXXX XX/XX/XXXX - ( 15. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

For opening account promotion, I was advertised to receive {$700.00} for depositing {$50000.00} and maintaining for 60 days. 
-On XXXX, I deposited {$50000.00}. 
-On XXXX 60 days have passed. 
-On XXXX I chatted with Citi representative over the secure chat to check the status of the terms. And the representative said : Thanks for waiting, Upon checking your account, I found that you had deposited the funds within 30days of opening the account and maintained it for 60days as well. 

Please be informed that it takes another 90days for the bonus cash to be posted to the account so it is a total of 150 days from the date of the funds deposition. 

On XXXX I still have not received the advertised signup bonus.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-06
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. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-06
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. (WA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX Card ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove this right away.
Consumer complaint received 2021-01-06
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 XXXX XXXX born XX/XX/XXXX am a victim of identity theft, and I did and I am sending this complaint myself.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

law In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 

These accounts listed below are furnishing complete inaccurate information. 

As per the request from your organization I am facilitating the account names of all the inaccuracies listed on my consumer report that needs to be removed under federal law : 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 Those account listed are reporting on my consumer report and I have no contractual agreement nor account with any of these companies and I request that these accounts be removed from my consumer report immediately.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

XXXX I made an order for XXXX from XXXX  XXXX, Order never arrived so I processed to file a claim with XXXX  XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. 

Disputes number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact XXXX XXXX  for help / assistance. I depended upon XXXX XXXX  to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact XXXX XXXX  several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. XXXX XXXX  continues to state that these inaccuracies are accurate, but they are not!! My account was in a 12-month forbearance, and when the XXXX forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from XXXX XXXX  EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED XXXX XXXX  ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until XXXX XXXX  changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

I received services @ XXXX XXXX and the billing went to XXXX XXXX XXXX made a mistake on the EOB and did not process my account considering I have a Medical Financial Assistance status on my account. 

On XX/XX/2023 I wrote to XXXX to dispute this fact. XXXX ignored my certified letter. 
I spoke to the accounting department at XXXX and they refused to verify the EOB determination for errors. The letter was received and signed for 3 days prior to the due date. 

" XXXX : [ XXXX ] Okay. Yeah. So now we can't resubmit it over to XXXX because they're going to deny it due to the claim. If it needs to be resubmitted, then XXXX will send us over a new claim to get reprocessed. [ XXXX ] [ XXXX ] '' Since I demanded to be contacted in writing ONLY they immediately referred the account to collections rather than verify the debt. The original date due was XX/XX/2023 the account was sent to collections 10 days after the due date. The account was not even 30 days past due Then I was contacted by Financial Asset Management Systems " FAMS : [ XXXX ] XXXX placed an account with us since XX/XX/XXXX of this year with the balance. And we're just calling to see you. Wanted to make a payment on it. [ XXXX ] [ XXXX ] '' The date was XX/XX/XXXX XXXX business days later and she first said we sent a letter. I pointed out how absurd it was for me to think that they received the account on the XXXX and by the XXXX I received notice and had sufficient opportunity to dispute the debt. 

I notified FAMS about the dispute with XXXX. She did not care. I demanded notices by main ONLY no phone calls
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, 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. (CA)

On XX/XX/2023, someone tried to open a XXXX XXXXXXXX XXXX XXXX  under my name and Social Security number. And how I found out about this issue is when XXXX XXXX called me that same day, and asked if I opened up a XXXX  XXXX XXXX XXXX, which was a Hard Inquiry onto my Credit Report. So I immediately informed the XXXX XXXX customer support that I was not the one that applied for their credit card. Customer Support immediately blocked/locked that application/account and told me to call them back in the morning as I just got to work when they called me. I called immediately called back the next day and spoke with another XXXX XXXX customer support, and thankfully enough, there was no account opened up under my name and social security number. The customer support did inform me to contact All 3 Credit Bureau 's, to inform them that I contacted XXXX  XXXX and that they do not have any information under my name and social security number, in order to delete/erase that Hard Inquiry onto my Credit Report. I have contacted XXXX already, and they have deleted the Hard Inquiry. However, Equifax and XXXX need proof of information from me, in order to delete/erase the Hard Inquiry. Please help me out with this issue as I do NOT want this on my Credit Report, as my scores have decreased because of this. Thank you.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My financial institution is Chase Private Client. I deposited a XXXX XX/XX/XXXX, Chase can not locate this deposit violating various bank tax regulations. 
I initiated re-occuring monthly payments to be made from my Chase CPC account to XXXX XXXX XXXX  on the 3rd after my XXXX check was direct deposited and Chase routinely failed to honor these payments and by doing so my account with XXXX  XXXX was left in arrears. These payments were left in a " pending '' status the funds were withdrawn from my account but not paid to the merchant, leaving the merchant unpaid and which led to a snow ball effect in hicked up interest rates. My payments were being applied to interest and not the principle leaving me upside down on the loan and a negative mark on my credit report and me at risk of loosing my vehicle. 
This is happening today as well. On XX/XX/XXXX I purchased a computer online with XXXX. The payment of {$590.00} to XXXX has remained in a " pending '' status ever since. XXXX didn't ship my computer because they claim that Chase declined the transaction and Chase claims that XXXX hasn't processed the order regardless Chase will not release the funds back into my account and XXXX will not ship my computer. Chase is violating regulation E under your rule and needs to investigated.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (FL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-06
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. (FL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-06
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. (LA)

On XXXX I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My wife and I have sent 2 letters already disputing some items on my credit report and I have not gotten any response or results in the mail. Why is that?? I am working towards buying a home and need these items resolved. I sent a letter on XXXX and also XX/XX/XXXX by us mail. I just faxed one as well this week hoping to get a response. 

Here are the things I am questioning : 1. XXXX XXXX - XXXX - XXXX, XX/XX/XXXX and XX/XX/XXXX late payments don't match across the bureaus. Please confirm the payment history is correct. Please remove this. 
2. XXXX - XXXX - Late payment listed in XXXX XXXX. I don't think that's accurate. I was never late. I believe this is an accounting error. Please remove. 
3. XXXX - XXXX - I do not know who this company is. Please delete. 
4. XXXX XXXX - XXXX - High balance, balance owed & past due does not match on all credit bureaus. Investigate payment history and delete from my record. 
5. XXXX - XXXX - Why is there a high balance listed on this? Cause there shouldn't be. Please delete. 
6. XXXX XXXX XXXX - XXXX - this is the first time i am seeing this. delete this from my report! I never received a notification of this before this ended up on my credit report! 
7. XXXX XXXX XXXX, XXXX XXXX, TX XXXX - I don't live here. Incorrect address. Please delete. 
8. XXXX  - I don't work here. Please remove this. 
9. XXXX XXXX - Please remove this. This is not my employer.