davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-06-29
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. (NJ)

I accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my right. 

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.
Consumer complaint received 2021-01-18
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. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

The accounts are not mine. I am a victim of an identity theft. REMOVE ASAP!
Consumer complaint received 2021-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (CO)

Additional payments to principal. In discussing this with Prosper they stated that if I wanted to apply extra to the loan and only have it go to principal it needed to be made the same day the monthly loan payment was applied and it needed to be done prior to XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2021-01-18
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: Exeter Finance, LLC. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. EXETER FINANCE CORP Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I submitted my dispute letters over 30 days the company have failed to respond also the company is in violation of many federal laws. I did not give written consent for these inaccurate items to be placed on my credit report. 15 USC 1681. I have submitted my FTC report and company had failed to acknolegde that fact that this is an violation that shouldn't be taken lightly. This is a violation of section 605b fcra.
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

Dear I made a XXXX  TRANSFER request from XXXX XXXX XXXX to XXXX XXXX, XXXX on XX/XX/2018. The fund was with held at XXXX XXXX  ( XXXXXXXX XXXX- JP MORGAN CHASE , NY ). When Remittance Bank is asking for status enquiry, there was no reply from them. Even the beneficiary bank got only XXXX  message but no funds transferred to them till now. I am attaching XXXX COPY.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MD)

I have an American Express Platinum Card. One of the offers is if you spend {$30.00}  or more, get {$30.00} back from XXXX ( up to 2 times total of {$60.00} ). There are offer terms - Offer valid for purchases made online at wineinsiders.com only. Excludes voucher purchases, taxes, and shopping costs and promotional offers through XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I added the offer to my card. I went to XXXX to see if there were any additional coupons I could use. Then I went to XXXX to place my order. I used a promo code I found on XXXX. 

Order placed on Monday, XX/XX/XXXX. The transaction posted on XX/XX/XXXX as XXXX CA. I messaged or chatted with American Express on XX/XX/XXXX. I was told that I was ineligible for the offer because I visited one of the sites above. I checked my history on my XX/XX/XXXX where the order was placed and I did not visit one of those sites. I also have a friend who did the same exact thing as me and she did not visit the sites listed above in the offer. I also XX/XX/XXXX this and found several articles and XXXX comments of people who were told they were ineligible for the offer. I think if that many people have issues with the offer - there is a problem. 

American Express told me I visited a site - I did not. They can not see what sites I visited. American Express told me I could get the offer if I placed another order without going to the sites mentioned above - but the last thing I want to do is give XXXX any more money. This offer is deceptive and is set up in a way to get people to spend money and not let them get the offer. 

XXXX is not listed as an exclusion - and a reasonable person is not going to look at the url 's to make sure when they click on something promo is not added. Although - in my case, my history verifies that promo or other words were not added. 

I asked American Express to remove the offer so others are not deceived. I also asked for this to be reported formally as a complaint. 

Here are the links to articles : https : XXXX XXXX : XXXX
Consumer complaint received 2021-01-18
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. (OH)

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. XXXX XXXX, Equifax, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX. # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (AZ)

Im accordance with the fair credit reporting act XXXX  account 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NM)

Attempted to use XXXX XXXX Account to check for fraudulent activity and have been locked out of my on-line account. 

Spent XXXX hours on phone with XXXX different representatives. 

Resolution : Account on-line will remain locked from XX/XX/2023 until up to XXXX  months for the new cards to arrive. 

I can understand locking the purchasing status of the card in this situation but they will not allow me access to the on-line account. I am on Paperless Statements so I have no way to see what might be going on.
Consumer complaint received 2023-06-29
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)

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 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 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 or 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 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-01-18
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. (NJ)

Hello, i recently check my credit via XXXX and notice that there were a few accounts on my credit profile that was done by fraud. I am a victim of identity theft. Ive reached out to the creditors regarding this advise me to reach out to the credit bureaus. I've sent mails via USPS certified back on XX/XX/2020 and i called a week ago and they told me they didn't received anything. I think this is some type of stall because the tracking number said delivered. These accounts are not mine. I have attached the FTC report and my driver license below
Consumer complaint received 2021-01-17
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX and XX/XX/XXXX, a fraudulent charge of {$39.00} appeared from the company XXXX. I have never had any business with this company and other individuals online have reported this same issue of unauthorized charges from this company appearing when they have never purchased anything. I tried calling this company but there is no real consumer service, just a recording where you are disconnected. The card issuer seems to be in this scheme with them as for both disputes, I was told I was responsible for the charges. I have also had this card replaced, reporting it stolen. I contacted agents twice at the card issuer and was told it would be handled but clearly they lied to me. When did American Express become an enabler of credit card fraud? They treat their loyal customers as the criminals, not scam merchants with a long online history of engaging in this fraud.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I purchased 2 XXXX cell phones and when I got home I did not get service at my house. I retuned them to XXXX XXXX the next day, which I have on video. That was within the time allowed in the contract, therefore I do not owe this money. I never used the service and returned the product.
Consumer complaint received 2021-01-18
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. (IL)

Transunion ( reported as XXXX/XXXX # XXXX* ) : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.
Consumer complaint received 2021-01-18
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)

XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 2021-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I entered the Chase Bank located at XXXX XXXX XXXX in XXXX Il XXXX and immediately went to the first inside ATM located in the back of the Branch. 
I entered my card and pin number. And tried taking XXXX out of the account. 
The ATM digitally took the funds from my account but did not disperse the funds. I received an ATM receipt stating : We aren't able to give you cash right now. 
Please call us at XXXX I went to the teller showed her the ATM slip and she assured me the funds would be reimbursed in my account within 24 hours. Sounding reasonable I left.

Since the 24 hours, I have called this number, and my bank 's number multiple times. 
I have also visited the bank on multiple occasions and spoke with the Branch Manager on my last visit. 
The branch manager was no help as she laughed at me telling me there was nothing she would do about it. 
I asked her repeatedly not to discuss my problem in the open doorway and if we could take the issue into an office for further discussion. I asked her if we could call Corporate together, but the more I tried speaking to her the more she insisted upon snickering as she said nothing I can do. It is currently past 10 days and this matter is still unresolved. I filled a Police Report. 
XXXX is the report number with the XXXX police department.