davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (CA)

I recently submitted a claim with the CFPB, asking that they look into the information that Transunion is reporting. This was probably the laziest " investigation '' I have come across! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, the disputed items still remain inaccurate and unverified! I demand a reinvestigation and I do not consent to E-Oscar! Transunion obviously has no respect for my privacy! Transunion never addressed not responding to my disputes upon confirmation that they were received via XXXX tracking. Transunion did not address my right to privacy being violated by XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Transunion never addressed how these companies obtained my nonpublic personal information such as my social security number and other personal details which I did not provide them with or consent to them having! Transunion did not address how XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never gave me the opportunity to opt out of consumer reporting. If I established a relationship with these financial institutions, where is the adequate clear and conspicuous disclosure notice that was allegedly signed upon establishing the relationship!? Transunion did not address how the information is inconsistent with other major credit reporting agencies. Who is right, who is wrong? If Transunion can not provide me with physical proof establishing 100 % accuracy of their reportings, they ned to delete the information! Lastly, Transunion did not address the incorrect payment data for XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, Do not delete these two accounts, just update the payment information to on-time, being that I did not miss any payments! Overall, updating information is not proof of an investigation! There were serious claims that they did not address or provide me proof of.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I had a business credit card with American Express. My business experienced some financial hardship and struggled to make the minimum payment for 4 months. I experienced extremely aggressive calls, and I'm not clear whether they from American Express or a debt collector, but I had to block communications because the callers either could not or would not discuss my business ' recovery plan and a new payment plan. I continued paying the card even though I could not always make the minimum. 

I'm happy to say the business started to recover. Because I had to block phone and email communications from American Express and companies representing them to avoid harassment, I sent communications to American Express by letter starting in XX/XX/2019 to attempt to resolve the account. 

American Express then put the business card on my personal credit report with a negative status. In XXXX I was served papers by XXXX XXXX XXXX filing a lawsuit against me personally, and it was filled with incorrect information including an incorrect balance. To me, this is escalated harassment. 

I contacted XXXX and negotiated settling the account. I specifically requested removing the business credit card account from my personal credit report. My business completed payment swiftly, by XX/XX/2019, but American Express still has not removed the account from my personal credit report. American Express incorrectly reports the account as settled in XX/XX/2019 and has changed the status to be even more negative. It has been 4 months and the negative report has devastated my credit score. 

I have tried to resolve this both by filing disputes with the credit bureaus and by sending letters directly to American Express ( both to the company 's credit bureau department and the company 's headquarters ). I keep receiving obtuse replies that the account status is updated with the credit bureaus. ( The account shouldn't be listed with the personal credit bureaus at all, that is the problem. ) I don't receive any direct responses to my specific request to meet the terms of our settlement and remove this business account from my personal credit report. 

I acted responsibly in my business and my thanks is a personal credit score that will not recover for 7 years, causing significant personal financial hardship. 

All of the letters I sent to American Express and other details are available if needed.
Consumer complaint received 2020-03-07
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. (VA)

I am a victim of identity theft. As a result of this happening to me I have had to deal with the aftermath of it for the past 3 years. ImDespite numerous attempts to resolve this matter, Equifax has done nothing but continuously report this fraudulent medical bill on my consumer file. When I contact them they say there is nothing they can do but file another dispute. Equifax has failed to positively verify these fraudulent accounts. And have ignored every attempt Ive made to resolve this matter. Please see attached documents of 2 separate police reports & detectives contact information. Equifaxs willful negligence and repeated violations has caused me emotional stress. Ive had to take off from work to deal with this. Equifax just refuse to do their job and follow the law. XXXX  and XXXX  has removed this and blocked this fraudulent account, however Equifax continues to report it.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DC)

Hello, I opened a XXXX XXXX XXXX credit card with American Express in XX/XX/2019. As a promotional offer for opening the account, American Express offered XXXX XXXX XXXX points after spending {$4000.00} within three months following the account opening date. This spending requirement was completed XX/XX/2019 in accordance with the terms and conditions outlined by American Express, and XXXX XXXX Points appeared on my XX/XX/2019 statement as points 'earned this period '. 

Neither the XXXX Points associated with the promotional bonus nor the points associated with the everyday spend have posted to my XXXX account. Attempts to resolve this issue with American Express have been unsuccessful. 

The XX/XX/XXXX statement that shows the XXXX points earned is attached. Please let me know if you require any additional information. I really appreciate your help. 

Best regards, XXXX
Consumer complaint received 2020-01-14
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MN)

I was told by XXXX that my mortage was denied because I have a credit score of XXXX. I was told this twice and then told I can look at my score on there website. It was a XXXX. I was told that it was denied because 5 mos ago my home equity payment was late after a male at XXXX told me in XXXX that my loan had already been paid for that month. I need clear information on my credit score and when my payments are due. 

Also I have been trying to correct an XXXX payment for a long time now and they will not work with me. I made an order and put it on my debit card. Several months later I got a statement from Chase card services saying my payment was late. Now they are charging me double the order. I am upset they put it on a chase credit card I never used so they can charge up fines instead of taking it out of my bank account.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

Reporting - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2020-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account on my credit report named XXXX XXXX XXXX  and for more than six months allready Im disputing this account on XXXX, Transunion and XXXX. I am requesting true these three agencies that XXXX XXXX XXXX provide Signed contract or agreement between me and them, also I requesting documents that shows that XXXX XXXX XXXX  had any right or my consent to sell this account to another company ( in this case to XXXX XXXX XXXX ) and provide them all my confidential information as Social Security Number, name, birthday, adress etc etc. TILL THE MOMENT TRANSUNION, XXXX  AND XXXX  HAS NOT PROVIDE ME WITH ANY VALID DOCUMENT OF MY REQUEST AND CLAIMS THAT THIS ACCOUNT MEET THE FDCPA RULES
Consumer complaint received 2023-11-30
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681b ( a ) ( 2 ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/XXXX I attempted to purchase XXXX XXXX through a website called XXXX. When attempting to check-out my payment would not go through. I tried two separate debit cards, and a credit card. None of which went through with a notice saying charges could not be complete. I was asked for all of my information, name, address, and card info. The total was just under {$150.00} including shipping. 

The next day I had a charge of {$130.00} to my debit checking account by a vendor of the name XXXX from Kentucky. The website I used the night before was marked for fraud all over blogs with similar experiences and the site was removed within the day no longer existing. I disputed the charge with seemingly no issues with Chase. This charge approved in my account on XX/XX/XXXX despite my instaneous reporting. I called Chase again, and this time the instant charge was reversed back into my account case had been opened. 

On XX/XX/XXXX my account was overdrawn with a re-reversal of the {$130.00}. I spoke to 6 different chase representatives before someone admitted that my address was sufficiently proven by this merchant, and that I had received services to my address on file, therefore case is closed without subject to re-opening. There was a tracking number issued to my name and address. I requested this proof they have on file, and am still waiting for this information. They said the bank can not do anything for me considering this is sufficient evidence that I used this merchants service, and because I have no proof of doing so or proving not doing so, it is no longer subject to dispute on the banks behalf, there is nothing they can do.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (IN)

On XXXX I closed my Destiny credit card account number ending in XXXX with Genesis Card Services. On XXXX Genesis Card Services mailed me a letter confirming the account is closed. Today, XXXX, I received an email stating I have a new monthly statement available for account number ending in XXXX. Until today, I have not received any mail or emails from Genesis or Destiny. When I called, I was given an excuse that makes XXXX sense to me. The agent stated that the card was about to expire and the new account number was for the new card. The account was opened in XXXX of XXXX and was less than a year old. When I told the agent that what they were telling me made no sense, they said someone would be calling me back and hung up.
Consumer complaint received 2020-03-07
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. (OH)

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate. 

My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co 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. also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act Convergent, Fingerhut/Webbank , has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX / XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA (CA)

I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it. 
I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

The credit bureaus ( XXXX XXXX and Equifax ) have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you