davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (FL)

I try to resolve this account with the collection agency. Professional debt mediation. 
i request verification of debt of this account the belongs to XXXX XXXX XXXX. 
on or about XXXX of 2019. I never received any response. 
I never owed this company any money and further more the original creditor sold the complex to another company and is no longer the original owner of this complex
Consumer complaint received 2024-04-09
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-27
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. (TX)

In accordance with the Fair Credit Reporting act this company, XXXX XXXX XXXX Account # 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane to me.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I signed up with Experian to check my credit score. I never opted in to their marketing emails, and yet I get 1-3 per day. I've tried to unsubscribe online no less than 6 separate times, and still the emails keep coming. I've called the phone number shown on their website, but it's impossible to get a live person on the phone. I've tried to opt out by logging in to my account, but there is no option for that. I believe that it's a conflict of interest that the company that reports my credit score is continually trying to sell me products and services to improve my credit score. They are engaged in some very shady practices, and they should be investigated.
Consumer complaint received 2021-03-20
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. (NE)

Holiday in vacation club has been reporting missed payments for a timeshare loan that I am not on nor responsible for on my Experian credit report. This is my parents loan. I have sent them a debt verification letter and have not received a response in over 30 days.
Consumer complaint received 2023-06-17
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. (GA)

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 The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXThe account does not belong to me XXXX XXXX The account does not belong to me XXXX  XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 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. 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`
Consumer complaint received 2023-06-17
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. (NC)

According to the FCRA this company XXXX XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-02
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: Affirm Holdings, Inc (NJ)

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  fraud department and they recommended to file this complaint here
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint Issue : American Express Platinum credit card # XXXX In XX/XX/2022, I obtained an American Express Platinum card and paid an annual fee of {$690.00}. The terms at the time of my application clearly stated that if I had never previously held a Platinum card, I would be eligible for a sign-up welcome bonus upon meeting the basic spending requirements. The phrase " One person per card per lifetime '' was explicitly mentioned in the terms during my application. 
By the third month, I had not only met but significantly exceeded the spending requirement of {$6000.00}. I reached out to American Express customer service, and they assured me that the sign-up bonus would be credited to my account promptly. However, six months later, the bonus was still absent. Upon contacting American Express again, they informed me that I was ineligible due to having opened two different American Express cards ( including a business credit card ) in the past four years, received bonuses ( approximately {$250.00} in total rewards from a card I applied for three years ago ), and closed the account. I filed an appeal, but it was rejected. 
I believe I have been treated unjustly for the following reasons : XXXX. No notification or alert was provided during my online application process indicating that I did not qualify for the sign-up bonus. 
XXXX. The terms during my application clearly stated : " One person per card per lifetime. '' I had never applied for an American Express Platinum card before. 
XXXX. When I contacted American Express customer service in the third month, the representative confirmed my eligibility and assured me that the welcome bonus would be issued immediately. 
XXXX. Despite their claim of my ineligibility for future sign-up bonuses, American Express continues to send me promotional emails or mail for other credit card bonuses. This is misleading and borders on deceptive practices. 
XXXX. I found some people ( online, my friends, etc ) who also had other America Express credit cards even more than mine still got the welcome bonus. That's unfair, you treated people differently.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

Deposited cashiers check of {$1900.00} on XX/XX/XXXX to my checking account at USBank in XXXX CO. Check was immediately cleared and funds available in account until XX/XX/XXXX. On XX/XX/XXXX, the check deposit was reversed without explanation. I realized then that the cashiers check I deposited on XX/XX/XXXX was fraudulent and I was a victim of a scam that has cost me {$1900.00}. 
I reported this fraudulent check and scam to USBank fraud liaison department on XX/XX/XXXX in an attempt to catch the perpetrators and recover lost funds, but to date ( XX/XX/XXXX ), I have not received any response from the bank.
Consumer complaint received 2021-03-22
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: LEXISNEXIS (TX)

I have contacted LexisNexis numerous times to have two Bankruptcies XXXX and XXXX deleted from my LexisNexis report. I have sent LexisNexis letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I sent the letter on XX/XX/XXXX LexisNexis never responded. Because they took more than 30 days to respond these Bankruptcies must be removed from my LexisNexis report.
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I filed for a reissue of my student loan refund on XXXX XXXX XXXX XXXX  and was told it would take 4-6 weeks. Once that occurred and no check was reissued I was given a new time frame of 8-10 weeks. It has been now 11 weeks, and was now told there is no time frame and it is unclear when my check will be reissued.
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 — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (FL)

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Santander, XXXX XXXX XXXX ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (VA)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY These OPENED AND CLOSED accounts should not be furnished on my consumer report as they are in VIOLATION. Ive submitted proof of Identification and Ftc Report.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, 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. (PA)

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com.  These inquiries should be removed from my credit report ( s )XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage, 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 2023-01-06
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. (NY)

This is 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 2022-11-27
Product: Credit reporting, credit repair services, 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. (PA)

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ...
Consumer complaint received 2022-11-27
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX Account Zales # XXXX has violated my rights. 
15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX at XXXX westcoast time. I tried to make payment for credit card due date XX/XX/XXXX. ( Capitol One Union Plus ) The system would not accept payment date of XX/XX/XXXX. I called customer service asking why payment system will not allow XX/XX/XXXX as payment date. C/S Rep advised because of East Coast time being XXXX. The payment will only process as XX/XX/XXXX what made my payment late. A {$27.00} dollar late fee was applied to my account dated XX/XX/XXXX. The payment made was dated XX/XX/XXXX. C/S Rep refused to accept payment for XX/XX/XXXX. Spoke with XXXX Account manager refused to reverse late fee {$27.00}.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (CA)

I am writing to express my deep disappointment and frustration with the continued mishandling of my account opening process. Despite our previous discussions and the assurances provided, I find it unacceptable that a several attempt was necessary to address the tardiness in opening my account. 

I had hoped that our initial correspondence would have prompted immediate action to rectify the situation. However, the need for a second attempt indicates a failure to address the underlying issues adequately. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences and a commitment to improving your account opening processes. 

Please treat this matter with the urgency it deserves and provide a prompt resolution. I value the relationship I have with your company and hope to see improvements in your service standards going forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX XXXX Owed : {$16000.00}.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (KY)

I had a XXXX card with XXXX. They switched from XXXX  XXXX XXXX to Comenity in XXXX, 2022. Despite multiple calls, I never received a card. I did, however, get a bill, which I paid off in full. I cancelled the card online but was told that to get a confirmation, I had to provide a fax number... which of course, I do not have! 

I can't even tell you the account number of the Comenity card since the bill only provided the last four numbers... and as I said, I never got a card or any other official communication other than the bill from Comenity. 

Thank you!
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2023 Capital one responded back to a dispute i had about an account that was created under my name fraudulently. They investigated and came to the conclusion that the account would be deleted as well as the inquiry that account made. When i called all the bureaus they stated that they dont have that information and the cap1 is still reporting. The account must be removed now because it does not belong to me. PER 15 USC 1681 B YOU ALL ARE BREAKING THE LAW. I DID NOT AUTHORIZE YOU ALL TO FURNISH THIS WRONG INFORMATION THEREFORE IT MUST BE TAKEN DOWN ASAP!
Consumer complaint received 2022-11-21
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)

Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX  XXXX  XXXX late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]