davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I appreciate your time in addressing the removal of fraudulent items from my file resulting from alleged identity theft. However, there are still remaining items that require attention. As a victim of identity theft, I am requesting the removal of these items from my credit file, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates their removal no later than 4 business days after XX/XX/XXXX. This issue was previously addressed in my previous correspondence, and I am reiterating it here along with my new FTC report # XXXX. Furthermore, the information provided regarding these items was still unknown to me, and items from other bureaus have already been removed, raising doubts about their accuracy. Please remove the following items resulting from alleged identity theft : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. The referenced addresses, do not belong to me and are non-mailable addresses. I am unable to receive mail at these addresses. I only have one certified mailable address that belongs to me, and that I may receive mail to. The certified-mailable address that belongs to me is : Certified Mailable Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NJ)

Subject : Unauthorized Charges on My Credit Card On XX/XX/2023 I discovered a transaction on my credit card statement that were made without my permission. These charges are as follows : Transaction Date : XX/XX/2023 Amount : XXXX Description : Apple XXXX XXXX Add additional unauthorized transaction of XXXX on XX/XX/XXXX at Apple Online Store that I blocked.

As soon as I noticed these unauthorized charges, I took immediate action by contacting Apple Goldman Sachs customer service team. I spoke with [ Customer Service Representative, who was extremely helpful in addressing my concerns. During the call, I provided all the necessary information regarding these unauthorized charges and was assured that the matter would be thoroughly investigated. 

I would like to emphasize that I did not authorize these transactions in any way, and I request a full investigation into this matter to determine how these charges occurred without my consent. 

I take the security of my credit card account very seriously, and I hope you will take the necessary steps to rectify this situation promptly. 

I appreciate your prompt attention to this issue and your commitment to ensuring the security and integrity of my credit card account.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2020, in which I am charged for amounts up to {$800.00} from the period of XX/XX/2020 to XX/XX/2020. On XX/XX/2020 my account balance was {$1300.00}. The last major transaction I made was a airline ticket which brung my balance to a remander of {$840.00} on XX/XX/2020. ANY TRANSACTIONS AFTER XX/XX/2020 is fraudulent..I sent all information in letter included with police report 3 times ( once myself and 2 from a XXXX  XXXX  I'm with and I was told they declined my disputed but they still hold to my STATE TAX RETURN AND HASN'T RELEASED IT Even in the letter I have evidence from the police and a statement from the company how didn't possession of the card on the dates of the transactions
Consumer complaint received 2023-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My home mortgage was recently transferred to Newrez. I received an email inviting me to create an online account so I could manage my mortgage. My first attempt to create an account appeared to fail. During my second attempt I received a message that I already had an account instructing me to sign in. The site did not recognize the password I had created. When I attempted to reset my password, I was directed to XXXX XXXX XXXX. I called Newrez. They told me XXXX is a related company but were unable to explain what happened or resolve the issue.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, XXXX XXXX, a website hosting company, posted charge on my Sears credit card using credit card information stored previously without my consent. I tried to contact the merchant but got no response. The credit card issuer declined to investigate the improper use of my credit card information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX, PORTFOLIO RECOVERY, and XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX XXXX XXXXXXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd ()

Hello Dear Sir, I am reporting this incident that happened to me with a broken heart.I am a XXXX  by profession. I live in XXXX, XXXX. 

On XXXX XX/XX/, my wise.com account which I used to receive my remittance dollars through XXXX  was hacked and more than {$72000.00} USD was stolen from that account. 

I have reported this to Wise.com bank. They started an investigation. But, after 8 months of waiting period and investigation, they weren't able to recover any funds. Also, they refused to reimburse or refund me my stolen funds in their final response. 

Sir, I need your assistance to recover my funds. It was a big amount of remittance stolen from me through a cyber-attack. My phone was hacked somehow which I used to receive XXXX. I haven't received any OTP for making those payments. The Bank is making me liable for this and they even didn't try to track the money, where it goes. 

I have all the documents and invoices of my payments and wise account transaction histories. These are the transfers that made from my Wise account.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (GA)

I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX  Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (AZ)

I have tried for 3 months to cancel my life insurance policy and my company was sold and may be sold again I could not find a phone number for my policy the company that was drafting me and I then called Chase and they gave me the wrong phone number for the insurance company, I then stopped the draft and reversed/disputed the most current payment from the Insurance company and Chase gave me the funds back than a month later took it out of my account again. I called Chase to ask them why and all they said was to bad that is our decision. They would not give me a reason why. I have a right to cancel my policy and I have been trying for months to do that and could not get ahold of anyone and Chase gives me the wrong number and they don't want to help me. XXXX at Chase on XX/XX/23 at XXXX hung up on me and would not help me. Was very rude. I don't understand why am I paying for a policy I didn't want and couldn't get a hold of the company to cancel. I called Chase twice to ask them what to do. 
It's not fair and not right.
Consumer complaint received 2024-02-07
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. (LA)

THIS COMPANY IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORT ACT 15 USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY .XXXX  XXXX  SOLD MY INFORMATION TO A THIRD PARTY WITHOUT MY PERMISSION..
Consumer complaint received 2024-02-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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 2023-07-08
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: Resurgent Capital Services L.P. (CA)

Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (FL)

I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX  XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX ) XXXX  XXXX, XXXX XXXX XXXX XXXX Number XXXX XXXX ) Paramount Recovery System XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 charge. 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 the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Consumer complaint received 2024-02-02
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. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX DEPT OF ED/XXXX Account number XXXX XXXX  XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-18
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: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, I decided to apply for an American Express XXXX XXXX XXXX credit card. Prior to applying, I did a lot of research about which card to get. I was planning on making a big purchase ( pre-paying my insurance for the year ) and so I was specifically looking for a card with 0 % XXXX for the first XXXX or XXXX  months. The American Express XXXX XXXX XXXX credit card offered not only that, but also a {$250.00} bonus after spending {$3000.00} in the first 6 months. 

I eagerly applied. When I did, I received a notification that American Express needed a bit more time to process my application, which I assumed was normal. A little while later, I received an email from American Express letting me know that my application had been approved. I received the card shortly thereafter and started spending. This past Thursday, XX/XX/XXXX, I realized that I had spent over {$3000.00} on the card but had not received the bonus. I reached out to inquire as to when I could expect the bonus and was told that there was no bonus on my account. Not only that, but I would not be receiving the 0 % APR for the first 12 months. 

I was told that, because I had received another offer on an American Express card at some point in the past, I was not eligible to receive a promotion on this card. That makes sense and seems reasonable. However, my issue is that I was never notified at any point in the processfrom the time I applied, to the time I received a confirmation email telling me I was approved, to the time I received my card in the mailthat I was not eligible for the promotion. When I reached out to American Express, I was gaslit and told that I had in fact been informed. ( As an aside, I am a CEO of my own company and I read each and every document that I come into contact with thoroughly. I am 100 % positive that I was never informed of this information. ) I asked the representative to prove it by sending me the documentation showing that I received this notification. Surely, in the year XXXX, that would be easy to pull up for an advanced, highly profitable credit card company? He refused. I asked if he could honor at least the 0 % XXXX, given that I had already spent money on that card anticipating having time to pay it off. Again, he refused. 

I believe that American Express used a deceitful practice to not inform me of my ineligibility. As I told the representative, if I had this information when I applied, I wouldve canceled my application and applied for another credit card. ( There are several out there that offer 0 % APR for the first year. )