davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2023-09-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

Regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. 

Hi, I just spoke with the store manager to report an employee XXXX XXXXXXXX who gave me false information regarding the TJMaxx credit card. The store manager let me know that he would speak to this employee but I wanted to submit an official complaint. 

On XX/XX/XXXX I visited this location and when I went to pay for my purchase with my TJ Maxx credit card ( MC that can be used anywhere ) the store associate said that I had a very old outdated card and asked me if I wanted to upgrade to the newest " TJ maxx GOLD card that is an international card and can be used at any location and that I would get more points with it. '' However, she did not explain that it would be a new account, just that it would be an upgrade to my existing card. 

So I proceeded to go through opening a new account and she provided me with the temporary shopping pass. ( XXXX XXXX : XXXX ) When I contacted TJ Maxx customer service the representative confirmed that the card I already had ( opened in XXXX ) was the TJ Maxx MasterCard that can be used anywhere. Since I already had this, the one that i ended up opening on XX/XX/XXXX was a " in-store '' only credit card ( which resulted in an inquiry against my credit ). But the representative said that there is no difference in terms of points between the two cards. I went ahead and closed the account that I had opened with employee XXXX. I didn't get her name but I did provide this employee number to the store manager.

This store associate violated UDAAP by being deceptive regarding the card I owned and by not being clear that I was in fact, opening up a 2nd account. I also agreed because the store associate said I would " get more points '' with this new card.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not consent to these inquiries being on my consumer report. Please delete immediately according to The FCRA Section 604 Permissible Purpose these are exclusions. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
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)

My name is 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 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

I received a letter from Nelnet dated XX/XX/2023 indicating that my Income-Driven Repayment Plan ( IDR ) application was approved. 

However, I am also showing my Nelnet account status as " Admin Forbearance ''.
Consumer complaint received 2024-03-12
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. (MI)

I am making payments on this account and it is not being reported to Experian and when Experian investigated they also did not update the information based on the attachments clearly showing that I've made payments. I want this updated and corrected immediately. Clearly shows I made a payment in XXXX over {$200.00} and payment is not due until XXXX. The payment was paid on XXXX the XXXX it was due XXXX the XXXX and it is not past XXXX  days late it was only XXXX  days late. I attempted to contact Affirm awful times to change my payment date based on when I was paid and due to being in the hospital for COVID and incapacitated and not working. They have refused. I have evidence to support this as well. Medical needs take precedent.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

Sent Experian 3 letters trying to resolve this incorrect information on my credit report from XXXXXXXX XXXX  Acct # XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023. ( The one from XXXX the responded in less than 15 days which shows me the did not investigate nor furnish proof of accuracies, I have attached the response ). I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. Experian replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.
Consumer complaint received 2023-09-08
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. (CA)

I have not provided XXXX XXXX XXXX with expressed written consent to share my credit card ( ID, SSN, etc. ) with Experian or any other entity as this is a violation of 15 U.S. Code 1681s-2. As of 7/31/2023 Experian provided me a report that has the account of XXXX XXXX XXXX as " DELETED '', as I will share a copy of said report. I then went to Experian.com to monitor my credit and observed that Experian had unlawfully and in violation of the above code reported the XXXX XXXX XXXX account with derogatory information that has resulted in adverse action in my pursuit of obtaining personal credit lines. 15 U.s. Code 1681s-2 and 15 U.s. Code3 1666a, b are blatantly being violated by Experian. In addition, the reporting of the XXXX XXXX XXXX does not match the reporting of XXXX and XXXX XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

I had another fraud attempt. I made a complaint back in XX/XX/XXXX regarding complaint XXXX, where someone pretending to be me came into the branch and claimed over {$19000.00}. Now that same situation is happening again. On XX/XX/XXXX someone again went into the bank with my information added a joint to the account and took XXXX from my account. They made two cash withdrawals from the bank in North Carolina a state I've never been in. As a safety precaution the fraud team added a passcode that the banks need to verify if I attempt to go in the bank. Well guess what, they didn't ask the man for a passcode. Even when I went into the branch no one verified the passcode with me. Why is no proper verifications ever being taken, this is the second time this has happened to me with US Bank. Even now I feel like no urgency is being taken to get my money back. I go to the branch, they tell me to call fraud, I call fraud and they tell me to go back to the branch. This whole situation could have been easily avoided if someone just read the notes and verified that they have to verify the passcode with me. There needs to be more penalty and compensation this time around. This was a huge L for USBank. You expect this to happen maybe once with a bank but twice in less than two years is just an embarrassment. I'm incredibly disappointed. In the future hold the bank tellers accountable because they will skip over basic verification processes just because you have an ID and not even look that this account was suspect of fraud in the past. It's lazy and irresponsible and it ruins lives each and everyday.
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to XXXX and Experian via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with XXXX through the dispute portal, I have yet to receive a response from this company. Experian never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on Experian its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX XXXX XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on XXXX month over month, but showing first delinquent date as XX/XX/XXXX on Experian with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on XXXX but reporting XX/XX/XXXX on Experian. please remove this file as it is reporting different information on different bureaus further damaging my credit file.
Consumer complaint received 2023-09-08
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. (FL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A 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 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OR)

I spent many hours on the phone with Chase supervisors on XX/XX/2023 trying to determine how much balance I had subject to the regular purchase interest on the card of around 25 % APR. I was finally told the number was {$4700.00}, which is what appeared on my XX/XX/XXXX statement as the balance subject to that interest. I made a payment of that amount ( XXXX ) on XX/XX/2023. Chase applied part of that payment not to the balance accruing 25 % APR, but to a " My Chase Plan '' ( flexible spending offer ) on the card, which had a 0 % APR and $ 0 monthly plan fee. This is in violation of federal law which requires that payments be applied to the highest interest rate first on the account, to which my payment should have been applied to the entirety of the balance accruing the purchase interest charge of 25 % APR. My statement on XX/XX/2023 includes {$1300.00} subject to the 25 % interest, which should be {$0.00} as the " My Chase Plan '' that my payment was incorrectly applied to had a balance of {$1600.00}.
Consumer complaint received 2023-09-08
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/, XXXX has XX/XX/, XXXX has XX/XX/. All three can't be accurate or correct.
Consumer complaint received 2023-09-08
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. (PA)

In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXX for XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 Experian update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.
Consumer complaint received 2024-03-12
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

My complain is in regard to my previous complaint with XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

American Express had requested and received a notarized ID Verification form which cost me an out of pocket expense of {$25.00} and nearly 6 hours waiting to locate a notary online. American Express found this unacceptable even though they do this themselves and told me I had to do it at a XXXX XXXX. 

I went to a XXXX XXXX with Notary today ( XX/XX/22 ) and got another copy of the document for ID Verification notarized with a California Affidavit attached and sent it to American Express. Out of pocket expense : {$15.00}. 

Contacted by American Express today twice and was told very little information other than they got the notarized documents and affidavit but still want me to go to another XXXX store and get the document notarized a third time plus they now want a copy of my drivers license and social security card. 

To make matters worse, this is all on a 15 day ticking clock. 

I sincerely believe I am being led on by American Express and simply want the right to use my Platinum Card I justifiably applied and was approved for without anymore security concerns.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am writing this dispute to have the bankruptcy to be removed off my credit report public records XXXX  XXXX case # XXXX due to the bankruptcy court has no jurisdiction over credit report agencies or 3rd party agency, nor do they verify. The bankruptcy clerk office is not responsible for credit report and does not provider information to the credit report agencies. i have attached the letter from the XXXX XXXX XXXX Georgia as proof. Please remove the Bankruptcy off the public record on my credit report. Thanks
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXXXXXX Balance {$5300.00} ; XXXX XXXX Original Creditor Name XXXX XXXX  Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.