davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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)

I got an American Express XXXX XXXX credit card on XX/XX/22. Terms stated that I would get 1.5 % cash back on eligible purchases each billing period. I did not receive cash back for the first billing period as of XX/XX/22. Called American Express about issue on XX/XX/22 and got multiple conflicting responses from different customer service representatives so it is not clear if or when I will get the promised cash back ( representatives are XXXX, XXXX and XXXX ).
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-02-23
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IN)

On XXXX DISCOVER CARD claimed I authorized a DIRECT PAY when I asked REP for single payment and a change in BANK only Discover Access My Account Account number ending in XXXX Dear XXXX XXXX XXXX, Thank you for your participation in the DirectPay feature of your Discover it Card account. 

Please accept this letter as confirmation that your enrollment in XXXX has been canceled effective of the date of this letter. If your request to cancel your enrollment in XXXX occurred after XXXX XXXX on a scheduled DirectPay payment date, that XXXX payment was not cancelled only the future XXXX payments were cancelled. Please begin making your card account payments in accordance with your statement. 


We're glad you're our Customer and we want to make sure you have the most rewarding relationship possible with Discover it card. If there is anything else we can do to help, please let us know. Knowledgeable Account Managers are available to assist you, 24 hours a day, 7 days a week by calling XXXX, or you can always visit us at Discover.com. 


Sincerely, Discover Card Customer Service https : //www.facebook.com/discover https : //www.twitter.com/discover
Consumer complaint received 2022-05-24
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. (AR)

On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.
Consumer complaint received 2022-05-24
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. (AR)

On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.
Consumer complaint received 2022-05-24
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)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-24
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)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-24
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. (MS)

BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.
Consumer complaint received 2023-11-01
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: JPMORGAN CHASE & CO. (PA)

Yesterday, I received an email from Chase Credit Journey ( XXXXchase.com ) as we have a mortgage with Chase and the email indicated that there was a lender that recently checked my credit report. When I logged into our Chase mortgage account to see the details associated with the credit inquiry, it was clear that the inquiry was done in response to someone who was fraudulently filing a credit card application with JP Morgan Chase to open a bank card using my information. 

I immediately contacted the JP Morgan Chase card department to report the application as fraudulent. JP Morgan Chase denied the application as they believed the application to be fraudulent. I am in the process of submitting a FACT Act Request from JP Morgan Chase to dispute the fraudulent credit inquiry from my credit report. I have placed fraud alerts and disputes with the three main credit bureaus : XXXX, XXXX, and XXXX.
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (IL)

Experian lists an account XXXX XXXX that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and 2 late payments are wrong. I have submitted dispute letters to Experian several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.
Consumer complaint received 2022-05-24
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: The CMI Group, Inc. (TX)

Credit Management LP reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
Consumer complaint received 2022-05-24
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. 

In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! 

This is abuse of power and this federal violations has hurt my ability to obtain credit.
Consumer complaint received 2022-05-24
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. (PA)

Experian is reporting an account on my credit profile that I did not give written consent. 
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

Experian opened my dispute on XXXX XXXX, 2022 and completed the dispute on XXXX XXXX, 2022. This seems impossible to believe they did a proper investigation. I still have not received any documents authorizing my consent to have this reporting on my credit profile. 

In addition, XXXX XXXX  has not provided any documents with my signature. This is a violations of my federal rights!
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Patenaude & Felix A Professional Corporation (WA)

I was sued for an open credit account in XXXX XXXX XXXX XXXX. I am not a XXXX XXXX resident. The contract has an arbitration clause. When I answered, they asked the court for an exparite motion to dismiss as they were not pursuing the lawsuit. 

This is after I had already filed an arbitration case with XXXX. 

I have a couple of concerns about this debt collection firm and XXXX XXXX - their client. 

Are they going after people in a different county to garner an easy default judgement or to strong arm a person to contact them to make payment arrangements via the filing of frivolous lawsuit -they know that they have waived their right to arbitration when they wrote the contract with the arbitration clause. But are using a system that they bar consumer from using. The filing of a lawsuit by an attorney is threatening to people and is an unfair advantage over other law-abiding debt collectors who do not violate the contact their client wrote to collect money. Their lawsuit is a breach of the contract they wrote. 
Upon filing my motion for dismissal or compel arbitration, they sent an expatriate motion to dismiss the lawsuit by saying they were not pursing any legal action at this time. The case is XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached the amended complaint I sent to XXXX. 

They did the same thing in XXXX XXXX case : XXXX My biggest concern is that people are being strong armed by an attorney or flat out having their checks robbed of ill-gotten gain from a national corporation and their questionable attorneys who breach the contract with every lawsuit. They volunteered to cut the courts out via an arbitration clause. They should have to live with that choice. My hope is that the state would look into the hundreds of cases filed by this group and return the ill-gotten gains back to the consumers along with an injunction stopping them from filing any frivolous claims in a court room. They choose to use the arbitration venue and they should be forced to use it from here out.
Consumer complaint received 2022-05-24
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. (TX)

XXXX dealership ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. XXXX XXXX XXXX is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.
Consumer complaint received 2022-05-24
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. (PA)

On XX/XX/2021 I disputed an alleged bankruptcy that is reporting on my Experian report. The agency did not make sure the information reporting was accurate according to federal law and my rights as a consumer have been violated. Attached is the document I received from Experian on XXXX XXXX, stating that the information is accurate. I never received any information regarding the status investigation prior to this date, nor was any information requested of me to verify which information is accurate and which is not. I have already found numerous inaccuracies regarding this item, such as the reference number used, and the knowledge of information Experian purchased from a third party without my consent for the agency to do so. Additionally, Experian also stated that the company has reported the information. Attached is a formal letter from the company, which Experian claims the company verified the information. Experian has caused me a great deal of stress regarding this issue. My privacy and my ability to be approved for credit have been violated.
Consumer complaint received 2022-05-24
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. (NY)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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. (MD)

XXXX, Equifax and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.
Consumer complaint received 2022-05-24
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)

XXXX, XXXX and Transunion are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX 's XXXX, XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.