davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Students who live with their parents do not have credit history, the parents pay all the bills. 

EXPERIAN Identity Verification Pass if you have Credit History or Fail if you do not have Credit Score?? 

EXPERIAN DISCRIMINATION TACTICS WILL BE REPORTED to Federal Trade Commission and The Consumer Financial Protection Bureau Experian ways of doing business is shameful and greed driven. 

Experian sells credit reports. 

A person with a clean background and clean criminal history does not make much money to Experian as credit history andcreditscores isn't it? 

All lenders, Banks, credit cards, loaning companies, etc pay Experian good money for credit scoresandcredit history isn't it? 

So if a person does not have a credit history Experian does notmakemoney isn't it? 

When Experian processes Identification Verification services for employment and Experian see you do not have a credit history, they fail your report to force you to get credit cardsandgetdebts. 

In other words, this intentionally manipulating reports to fail people and force them to get credit cards, loans etc to be profitable in thenearfuture. 

CLASS ACTION LAWSUIT > MORE THAN XXXX XXXX AMERICANS DO NOT HAVE CREDIT HISTORY, EXPERIAN SYSTEM IS ALREADY DISCRIMINATING AGAINST THEM. 

THIS IS PURE GREED, EVIL, VICIOUS SCHEME WITH PURE INTENTIONS TO HARM PEOPLE AND MAKE THEM PROFITABLE. 

THIS IS PURE DISCRIMINATING TACTICS WITH ONLY XXXX INTENTION, GREED AND PROFITS!!! 

ACCORDING TO US CITIZENSHIP AND IMMIGRATION SERVICES AND THE XXXX XXXX XXXX, THE LIST OF ACCEPTABLE DOCUMENTS FOR IDENTITY VERIFICATION ARE : LIST A Documents that Establish Both Identity and Employment Authorization 1. U.S. Passport or U.S. Passport Card LIST B.- Documents that Establish Identity 1. Driver 's license or ID card issued by a State or outlying possession of the United States provided it contains a photograph or information such as name, date of birth, gender, height, eye color, and address. 

LIST C.- SOCIAL SECURITY CARD WITH A VALID SOCIAL SECURITY # ACCORDING TO THE UNITED STATES GOVERNMENT THESE DOCUMENTS ARE MORE THAN ENOUGH TO PROVE WORK AUTHORIZATION AND IDENTITY.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (MS)

On XXXX of XXXX, XXXX, I was contacted by a person identifying herself as " XXXX '' from what she called " XXXX XXXX XXXX XXXX '' from telephone number ( XXXX ) XXXX. She directed me to contact XXXX XXXX XXXX law firm in regard to what she called a " pending summons ''. I contacted this number 28 times before finally receiving a response from a young man whose name I did not get. I provided him with the pending case # XXXX XXXX XXXX as provided to me by XXXX. He looked up the information and indicated it was for a credit card debt through Chase bank. I did have a Chase bank credit card. But that card account was closed and has had no further activity on the account since approximately XXXX of XXXX, which places it way past the statute of limitations. I was unable to ascertain if there was a real court case anywhere.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Opened checking account with New Customer promo advertisement. Met all the terms and conditions to qualify for credit of {$300.00}. Called customer service after 90 days with no credit of funds, representative stated they do not guarantee their promotions and refused to apply promotional advertisement. This is US Bank
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My accounts were opened years ago. Then my identity was stolen when I lost my wallet one day. Bad checks were deposited by this person who stole my identity and account was over drawn. I have been receiving letters in the mail for payment for 2 of my accounts. For months I could get a car from banks and now I cant open up a checking account. I have received my XXXX XXXX report and found out about this.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I went to a presentation for a travel company in XXXX called XXXX XXXX. They took my financial information and opened a credit card in my name with XXXX XXXX  for {$10000.00} and immediately removed all the funds. XXXX XXXX  investigated and found it to be fraudulent and I was not responsible.Further, they sent a contract to a company which they own called XXXX XXXX XXXX and and demanded payment of {$32000.00}. I advised them that it was fraud and I was not paying them They attempted to collect from my XXXX credit card. XXXX blocked it. They then sent a report to the credit bureaus including Experian.I was able to contact XXXX XXXX and XXXX who placed a fraud alert on my credit report. XXXX Bank uses experian and put a negative report on my credit report. I contacted experian and they did nothing but keep the fraudulent report on my account. I attempted to contact experian but they made it impossible to correct my report and refused to remove the negative reporting.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (PA)

I had made one deferment for a hardship in XX/XX/XXXX. They never honored in and has had me marked as late for almost a year and now they are claiming I didn't pay XX/XX/XXXX payment I show proof for both XXXX XXXX payment and the deferment and am now getting the run around. They are a predatory lender and needs to be shut down. I can't get a straight answer as to where that money went and they screwed my credit score
Consumer complaint received 2024-04-25
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (KY)

I left a debt management program due to receiving settlement offers from the creditors. When leaving the program, any remaining funds are refunded to the customer. I was charged a " settlement fee '' for the exact amount I had in my account plus an additional fee.
Consumer complaint received 2022-10-18
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. (PA)

XX/XX/2015 a XXXX  XXXX account was open fraudulently. I continue to dispute the account off of my experian report and they will not delete it. The XXXX XXXX account is not on any of my other credit reports. I am providing documentation from XXXX  XXXX stating theyre linking the account to me by the address XXXX XXXX XXXX XXXX XXXX Pa XXXX which is not my address and not listed on my credit report. I have also been told by Experian that they will delete the account and it has not been deleted. At this point Experian is allowing inaccurate and wrong information to be reported on my credit report and this is a violation of FCRA. If this account is not deleted immediately my next step will be to hire an attorney and sue Experian as this is costing me thousands of dollars in interest and taking time to handle this.
Consumer complaint received 2022-10-18
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-18
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. (TN)

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group (CA)

I have gotten several phone calls and letters in the mail & even had someone of the courts serve me at my home from a Moore Law Group stating that they are suing me in 30 days if I don't pay {$11000.00} that was owed to another company named XXXX XXXX Department Store with the account number XXXX. When I called the Moore Law Group to find out who they are and where this amount I owed of {$11000.00} came from they told me that, if I don't respond within 30 days then I would be taken to court to have my wages garnish. I do not have an account with XXXX XXXX nor have I ever received products, goods, services, or monies from XXXX 's or Moore Law Group. I have been a victim of Identity theft in the past. This may be a result of that but I don't know who stole my identity.
Consumer complaint received 2022-10-17
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. (VA)

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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 vears.

15 U.S.C. 16815-2 ( 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 2022-10-17
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. (VA)

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 vears.

15 U.S.C. 16815-2 ( 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 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I am writing about a charge that was on my statement and paid that was posted to my Citibank Double Cash account in the amount of {$990.00} posted XX/XX/2023. This was for a software subscription service that was nto provided by the seller. Soon after the amount was paid the provider ( XXXX XXXX, XXXX FL ) shut down his website and disappeared. He did not resond to emails. I notified Citibank and initiated a chargeback of this amount since the service was not provided. The dispute was filed online. It is my undertsanding if the service is not provided I am entitled to a chargeback. Citibank later refused that chargeback which I still dispute. I provided links to the closed wesbite and emails to the operator. As far as I am concerned this is pure fraud. 

This is the website. Shuttered for many months. 
XXXX XXXX XXXX? XXXX & XXXX & XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America XXXX XXXX requested a new credit card with Bank of America to transfer a balance of XXXX to a XXXX interest credit card. I was notified I was only approved for XXXX. I called right away to cancel the request. They did not have my account number yet so i gave my social security number. 

XX/XX/XXXX, XXXX received a letter my account was closed for suspicious activity. I assumed it was closed and transaction wouldn't happen for XXXX reasons. XXXX the agreement was for XXXX not XXXX. XXXX. I requested the transfer to stop XXXX. I received a letter stating my account was suspended for above said suspicious activity ( none noted btw ) Sometime in XX/XX/2023 I received notice a transfer of XXXX was happening. I called to tell them to stop the transfer as it hadn't happened yet and was told there was nothing I could do. The transfer would happen and I would be charged the {$240.00} fee for transfer. 

XXXX XXXX filed a complaint and was told by the representative that I would get my money back. I called XXXX to cancel transfer and they didn't do it. I sent in payment for the XXXX and will be closing the card. I should get my transfer fee back. It should have never of happened.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (TN)

XX/XX/year> Mortgage Assistance request, financials was emailed to servicer. 
Servicer is not reviewing my request even though I have had a change with my finances. 
My debt has decreased, my Hazard insurance has decreased I have cheaper Homeowner Insurance. I am on XXXX I have sufficient income to pay my mortgage Please review my request.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was 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 deleted : XXXX XXXX Balance : {$26.00}
Consumer complaint received 2023-08-04
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. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-20
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX XXXX 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 2023-07-20
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. (AZ)

-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602A States I have rights to privacy. 15 U.S.C. 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-28
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 2018-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (WY)

D & A Services has continued to call my employer when my employer has told them more than once that I am not in the country and not permitted to receive these types of calls at work. I have no knowledge of what this could be about. To the best of my knowledge I have no outstanding debts. When they first called I returned their call and left two messages ; neither were returned. Their continued harassment of my employer is jeopardizing my job. I am receiving these calls from a man who states his name as XXXX XXXX from XXXX