davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$15000.00} ; XXXX  XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reach Financial LLC (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase MileagePlus credit card, and Chase claimed that it offers trip delay insurance, but Chase has not honored its commitment to the user and repeatedly disconnected my calls to its customer service line. 

On XX/XX/, I submitted a claim on the website ( XXXX XXXX XXXX  ) as directed by instructions on Chase website. The website states that I should hear back within 5 business days. 

On XX/XX/XXXX, I have not heard back so I called its customer service line XXXX to ask, and was told it would take another 5 business days with apologies. 

On XX/XX/XXXX, I still have not heard back so I called again and was told it would take another 5 business days. 

On XX/XX/XXXX, I still have not heard back so I called again and someone tried to connect me to an examiner. After more than an hour of waiting on the phone, I was connected to someone, and 2 seconds later, the customer service represented disconnected my call without an explanation. 

On XX/XX/XXXX, I tried calling again. First at around XXXX PT. After 10 minutes of holding, I was connected to someone. After hearing my complaints, the customer service representative abruptly disconnected my phone call without an explanation. 

One important reason I chose to hold the Chase card and pay an annual fee and use it to pay for my flight tickets is this special trip protection. If Chase does not plan on actually processing claims, then it is definitely a false advertisement.
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I've never been a Best Buy cardholder with Citibank and I've corrected them on this issues in the past but they keep calling my phone number asking for someone else. I've told them to remove my phone number from their system and I've been told I need to contact 'someone else ' to get that handled... I'm sick of getting these phone calls and I've had to block them. 

I just received a phone call at XXXX XXXX from XXXX but they've also called from XXXX ( XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX ) and XXXX other times from the same number repeatedly over the last XXXX I want them to remove my number and quit calling me for someone else 's debts. It's excessive and I have to keep my phone muted to avoid their calls going off while I'm working.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-05-17
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims. The following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

I have no money and requested a fax number or email to submit my dispute timely. That not being provided with other factors I will not burden this complaint with and resulting in me holding a dispute letter and unable to financially take action that would assure receipt by Continental Crefit Control by XX/XX/2023 or they move forward against me. They have XXXX recordings or more where I state I dispute and am 100 % not financially responsible AND as a XXXX copay XXXX member in CA am not allowed to pay for those services. 

As stated, I am a XXXX XXXX recipient with a XXXX copay. I have no money and XXXX XXXX along with those from XXXX, XXXX and CA XXXX do not believe XXXX was ever billed, and a subset of those mentioned including XXXX, XXXX think the codes were potentially changed but I dont have anything else in that. I spoke to XXXX at CA XXXX he said this should be simple ..a XXXX conversation. 
Note : All services I receive are fully authorized before received and I double check 10 % of the time to ensure no issues.
Consumer complaint received 2023-07-05
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (GA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

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/2022 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, there 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 2023-01-01
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. (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. 

Account name : XXXX XXXX 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 XXXX XXXX XXXXXXXX : 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 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 2023-01-01
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. (AZ)

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXXXXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt. 
XXXX out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXXXXXX Balance : {$1900.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-21
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. (NC)

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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-01
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)

From XX/XX/XXXX through XX/XX/XXXX, American Express blocked at least 15 of my attempted uses of my American Express credit card, with ABSOLUTELY NO stated reason each time!!! I wasted HOURS because I had ABSOLUTELY no way of knowing, in every instance, of why each attempted charge was NOT being approved!!! In every instance, it was not until HOURS LATER that American Express texted me that I had to approve EACH of these charges because they " deemed them to be suspicious ''!!! That was/is ABSURD and LUDICROUS : all of these attempted charges were with large, well-recognized, established main-line vendors or merchants!!! There was absolutely NOTHING suspicious about ANY of these attempted charges!!! In every instance, I had to use a different card, requiring that I re-start the purchase ( including on-line forms ) from scratch, wasting hours of my time from running my self-employed business!!! American Express will try to tell you that there was some " fraud alert '' on my card that required them to do this. That is a BLATANT LIE!!! Not only have I not reported ANY fraudulent usage of my American Express card ; I did NOT even have a single disputed charge during this 3-moth period!!! Another reason I did NOT deserve this INSULTING treatment is that I have been with American Express for more than 15 consecutive years, building up an EXCELLENT credit rating with them during that time!!! XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-01
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. (NY)

Experian is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( experian ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX XXXX experian website and system is saying already in dispute.not me!!!!!
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-01
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. (CA)

I sent TransUnion a dispute letter on XX/XX/2022 regarding inaccurate and incomplete information being reported for my XXXX XXXX  Auto Installment Account and XXXX XXXX XXXX XXXX # XXXX. I circled all the months that are incomplete for the XXXX XXXX Account. See attached. For XXXX XXXX, there are 12 months that are reporting that I paid {$0.00}, which is entirely incorrect. TransUnion sent me dispute results but it is unclear whether or not they updated the disputed payment history. When I tried requesting my free annual report, it directed me to an online version of my credit report which makes it difficult to determine whether or not they updated the disputed information. I also need to know if all my Fraud Alerts are removed because I have been attempting to remove them!
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have repeatedly over the last year contacted Bank of America telling them I have NEVER set foot in a BoA. I don't know how or who opened an account in my name but after repeated attempts it would seem they have once again opened an account in my name. Can you PLEASE set them straight? I fear my identity is being misused, and they aren't doing anything about it.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX