davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX, 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX I realized my address and phone number were incorrect on my Ally financial anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a XXXX party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.
Consumer complaint received 2023-03-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I disputed wrong addresses that I have not lived at and that are not mine with Experian but they refused to delete them, and put me at risk of Identity Fraud. Per the XXXX XXXX XXXX XXXX, this innacurate information is damaging my credit, my name, and my reputation. 

My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX. 

So remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLY FINANCIAL INC. (OH)

In early XXXX of this year I transferred my account balance to XXXX. That transaction was completed on XX/XX/XXXX on my end. Before this account balance transfer I had {$83.00} in points that I was supposed to receive in the form of a check and never got. 

The account was not closed when the balance was transferred, shortly after fraudulent chargers were made to the account and my {$83.00} was applied to those charges. 

I have been on the phone with Ally 3 different times regarding this matter, the last case I was transferred to some special department where they indefinitely put me on hold while wasting XXXX minutes of my time.
Consumer complaint received 2022-11-14
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)

On XX/XX/XXXX, I contacted Transunion about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$670.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ). Its been over XXXX days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened Capital One Venture X credit card for only reason to able to transfer the miles into another airline account. It was advertised that this card is eligible for it. However, it's a false advertisement and this function does not work. I called to customer service to find when approximately the issue will be fixed and they said that it's known issue, there is no currently resolution or estimate when it will resolved. I mentioned that the only reason I opened this card is to transfer to another airline account, on that customer rep said that I can use the miles on capital one travel website. This is fraud... I opened a card which affected my credit history for nothing. I can't open another similar type card now because my credit got hurt and they making money by luring people into services they don't provide. I wasted the time to buy better price tickets because I was hoping to move the miles and now I have to pay higher price.
Consumer complaint received 2023-03-03
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)

I discovered that the same accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MO)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-11-26
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. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$87.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-15
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)

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Hi My name is XXXX XXXX. I have an American Express Serve account. I also have two subaccounts with them. On XX/XX/XXXX my husband ( one of the subaccount holders ) stayed at the XXXX in XXXX XXXX and checked out the XXXX. The XXXX charges {$150.00} for incidentals. Serve also put an extra {$12.00} hold bringing the total to {$170.00}. The {$150.00} hold was released by the hotel when he checked out. It is now XXXX XXXX and Serve has not returned the money. On XXXX XXXX I had a conference call between the hotel and a Serve rep. The hotel rep explained that the hotel does not need the money and the money should be returned to my account. The Serve rep responded by saying that they would not return the money for 30 days, we won't get it back until the XXXX day. 

I had a hotel stay at the XXXX XXXX from XXXXXX/XX/XXXX-to XX/XX/XXXX. My deposit was returned on the XXXX. Their treating the main account holder and the subaccount completely different. I really need this be resolved. If theirs anything you can do please let me know. 

Thank you XXXX XXXX
Consumer complaint received 2017-07-31
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: CITIBANK, N.A. (CA)

COMPUTER SCAM EVENT I was working on my desktop computer when a pop-up SECURITY ALERT took over control of my monitor!! The ALERT stated that the computer was infected with a XXXX virus [ this was the first LIE in this drama ] and I must call the phone number displayed in the alert to have it removed ( there was no way to remove the alert my computer was frozen ). It further stated that if I shutdown the computer, the security team would take control of the computer to keep the virus from infecting their system. I complied and called the toll free number. The person who answered the phone identified himself as XXXX and his security firm, XXXX ( he mentioned they were similar to the Best Buy firm XXXX XXXX who I am familiar with ) was working for XXXX as internet security contractors [ this was the second LIE in this drama ], He told me he would have to gain access to my computer to be able to scan the hard drive and remove the virus and repair any other illicit issues. There would be a fee for this service ( I think he mentioned {$99.00} ). I agreed and he took control of the computer. Scans appeared to be taking place and then terminated XXXX came back on the line and said that the virus had been removed and some other repairs had been made as well [ this was the third LIE as I later found out there never was a XXXX virus to begin with!! ]. He went on to say that his firm provided computer security protection/repair for $ XXXX/year for as many devices as were located at my address, but went on to offer security protection for two years for only an additional {$100.00}. This is how the credit card FRAUD/SCAM charge appeared in the amount of {$210.00} on my Citi Card. Just before terminating the phone conversation, XXXX said to me ; dont bother calling XXXX as they dont want to be bothered with issues their contractors deal with. It was this statement that piqued alarm bells and caused me to call my son-in-law who is an IT supervisor with XXXX XXXX XXXX in XXXX. CA. He told me ; XXXX, you have been SCAMMED!! get your computer to Best Buys XXXX XXXX as soon as possible theres no telling what the Scammers may have done to your equipment!!.
Consumer complaint received 2024-03-25
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. (NV)

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX  XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX TRANSUNION : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX
Consumer complaint received 2021-01-09
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: CITIBANK, N.A. (LA)

I have Filed a dispute in regards to incorrect items on my XXXX  credit Report. it has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 2024-03-25
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX