davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
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. (TX)

I am asking Experian to reinvestigate this inaccurate ac

c HBoun t under 15 USCS 1681i ( A ) ( 7 ) discretion of reinvestigation procedures. I'm requesting that Experian show how this account is verified, and provide supportive documents, disclosures, contract agreements or terms addition agreements, that this alleged account is in fact accurate and that I am the legal owner of this said collection. 

XXXX XXXX XXXX XXXX  Fail to do so, this account must be deleted, if not Experian has violated my consumer rights under 15 USCS 1681s-2 ( A ) ( 1 ) ( B ) ( I ), further violate it under 15 USCS 1681 ( B ) reasonable procedures.

I request an urgent rectification be taken. I look forward to a resolution and subsequent correction of my consumer report.
Consumer complaint received 2023-06-08
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AE)

I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the mentioned entries contain inaccuracies in terms of reporting, including erroneous amounts and dates.
Consumer complaint received 2023-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history
Consumer complaint received 2023-10-08
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: SYNCHRONY FINANCIAL (VA)

XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I deposited a Cashier 's Check from the XXXX  XXXX XXXX across the street in the amount of excess of $ XXXX. The teller did not catch that the check was missing an endorsement and went ahead and deposited my check. XXXX  XXXX XXXX paid this invalid check and Citi closed my account or " fraud ''. They have held my life savings for nearly 60 days. 

I keep getting different answers to if I will get my money back and nobody at Citi can provide any assistance. 

I have not been provided any documentation outlining the reason for the account closure and have not been provided a method to get my funds back. Citibank and stolen my money to invest and gain profit.
Consumer complaint received 2023-10-08
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. (AR)

Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and Experian are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}
Consumer complaint received 2023-10-08
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. (AR)

Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, Transunion and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}
Consumer complaint received 2023-10-08
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I selected dining as the three percent bonus category for my XXXX  cash rewards card. 

However, multiple purchases made from XXXX to XXXX did not receive the 3 percent bonuses. 

I have called the banks customer service line many times but none of them were able to provide a clear answer. 

Some said the system is experiencing backlogs while others said the bank failed to identify the correct category at the time of purchase. None of them helped me resolve this issue
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

Purchased XXXX from coinbase.com on XXXX XXXX XXXX with my XXXX XXXX account. Tried to trade in XXXX XXXX, was locked out of my account. Filled support ticket ( # XXXX ) no resolution just bot emails. I was forced to refile support ticket ( # XXXX ) in XX/XX/XXXX due to the complete lack of customer service. I did further authentication and brought my account to the highest security settings, as per what it said in the coinbase help page. 2 days later i received an email saying i was no longer eligible to use the platform! They said i can transfer the XXXX to the coinbase fiat wallet then transfer to my XXXX account. I am hesitant to do this as many other users have said they WILL NOT release funds. I posted on XXXX in XX/XX/XXXX directly to the coinbase support thread, as some users said this would expedite the process, i was replied to by another coinbase bot saying my case was being reviewed. I have since received coinbase support emails ( XX/XX/XXXX ) saying that my issue has been resolved, case closed, my account is being restricted, and that i am being kicked off as a user. My only option is to covert my XXXX to usd and transfer it to my XXXX account. This is unacceptable and my XXXX btc must be released. I have lost untold amounts of trading revenue during this last bullrun of crypto due to my account being restricted.
Consumer complaint received 2023-04-28
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. (CA)

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XX/XX/2022 Experian This is not right! I received a credit report from you and there are some companies that i'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!! U S Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report Respectfully, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (NY)

Due to the fair credit reporting act I dont recognize these unauthorized hard inquiries has to be removed immediately from my credit report. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe these may be acts of Fruad but I do not wish to place any freeze on my account at this time I only wish to have the inquiries. Please delete them off my profile.

Attached is my proof of insurance utility bill and my identification
Consumer complaint received 2023-10-08
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. (NY)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, my car was broken into and my docments was stolen I have attached a police report made by the following companies XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2018-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I was attempting to buy concert tickets via my bank Chase and a transfer service XXXX. I was purchasing 2 tickets at XXXX $ each for a total of XXXX XXXX I did the initial transfer and then was told by the scammer that he accidentally declined it. I requested to see confirmation but he said it was a " pop up '' and he didn't have it. 

Reluctantly I sent another XXXX XXXX he stopped responding, and I have since tried to get any sort of identifying information from both chase and XXXX. Both have said there is nothing they can do for me. They initiated a claim and said they could send out a letter. 

There is identifying information about this individual that they have available to them but refuse to provide to me based on company policy in turn protecting the thief who stole from me when, within their power, they have the ability to find out what bank account this was transferred to and then the name associated with that account. In other words they can find out who stole from me but are withholding this information as well as declining to reimburse me for the money that was stolen. 

Chase Claim Number : XXXX This person who stole from me has identified themselves as " XXXX XXXX ''
Consumer complaint received 2021-07-26
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)

On XX/XX/2021, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. Two days later, my husband met with the same car salesman ( XXXX ) in search of a used truck. After running his credit, it became clear that his payments would be incredibly high due to his poor credit score. Someone, either my husband or the car salesman, suggested having me as a co-signer in order to reduce the amount of the monthly payment. Please keep in mind that I was not present and did NOT provide any authorization. Allegedly, my husband told the salesman that he was interested in running the numbers IF it did not require any additional inquiries into my credit. Supposedly, the salesmen informed my husband that my credit information was already on file so there would be no need to run it again. However, this turned out to be untrue because I was unpleasantly surprised to discover 17 hard inquiries on my credit report. XXXX XXXX of XXXX refused to correct this error on their part, stating that it would be my responsibility to contact each individual bank to request an investigation. That would amount to hours of phone calls and months of waiting. I called the credit bureaus and was provided the same answer. That I would need to contact each bank individually. I did absolutely nothing wrong here. I was clearly taken advantage of and nobody is taking ownership of this wrongdoing. My credit score is very important to me. Please, can you help correct this issue.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my bill in full with capital one in XX/XX/XXXX. They then froze my account and demanded that I upload my ID, which I did via their link to my phone. Then they asked me to call them, which I did, immediately. The operator asked me to call my bank and use the phone to log into the account I used to make my payment on a three way call. They expected me to put my pin number in over the phone with the operator from the other bank on the line.. As far so I know they will never ask for your pin, correct?. So I refused to do so. They kept my card frozen until I complied. They did not return my payment, it was not stopped. Then the next month, I had no access to my account whatsoever I could not even sign in to my online account with capital one the account was locked.. there is no way I could have used the card again. But XXXX, XXXX, XXXX all my '' payments '' were on time. I could not log into my account to even check the payment options or to set my balance, no access whatsoever. Then this happens.. 

Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 150 days past due as of XXXX XXXX  120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX. 

How is it psst due if I could not sign in to my frozen account which was clearly paid off in full XX/XX/XXXX, I also asked them to close my account after the first month after I paid off my balance in full. They refused to close it for me. I asked them multiple times to please close the account. They would not. Now they are trying to say I maxed out the card at XXXX dollars and charging interest?! when I haven't used the card since XX/XX/XXXX after it was paid off in full and they refused to close it.
Consumer complaint received 2023-10-08
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. (VA)

XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American express is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but American Express keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.