davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXXXXXX, XXXX  and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-09
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 (CA)

I am claiming three separate violations of regulation and guidance 1. ) Unfair & Deceptive Acts & Abusive Practices : On XX/XX/XXXX I called to use my point to purchase plane tickets. I was misquote/informed the value of my points. I was told that I had enough point to cover all four plan tickets and that I would have a balance of XXXX points after using points for tickets. On XX/XX/XXXX my points had not been applied to the purchase on the tickets and I was told I did not have enough to cover the purchase. 
2. ) Call Center Hold times : I spent 1 hour and 53 mins on the phone on XX/XX/XXXX attempting to rectify the issue. I was placed on hold for periods of time in excess of 18mins w/o the agent coming back on the line to inform me that I was still on hold. This is a tact employed by call centers in an effort to have the customer become frustrated and leave the call. Additionally, the agent misinformed me on specific facts/circumstance/protcol for accepting my formal complaint. He did not provide a time frame for resolution or review of my compliant. 
3. ) AMEX does not have a corporate compliant email avail to consumer on its homepage. In fact there is no way for consumer to get a hold of them via email outside of XXXX compliant, process or a physical address for mail.
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My family and I had a total of 4 credit cards through Capital One. 
One XX/XX/XXXX, we were alerted to a possible on my wife 's credit card for a {$400.00} cash advance. I told Capital One it this was not from her ... .this cash advance was attempted somewhere in NJ - we are in Southern California . 
On XXXX, we were alerted to 2 other possibly fraudulent charges on my card. One was for {$530.00} - XXXX XXXX and the other was {$320.00} - XXXX XXXX. Both in New Jersey. Again, we are in So. Cal and disputed these charges. 
On XXXX we were alerted to ANOTHER possibly fraudulent charge of {$230.00} at XXXX  in NJ. This was on my daughter 's cc. Again, not us. 
XXXX my son 's card was used for {$26.00}, again, not us. 
Capital One supposedly investigated these after our assurance they were not our purchases. My daughter 's and son 's were deemed indeed fraudulent. The original {$400.00} never showed up on a bill. The {$530.00} & {$320.00} on my card were deemed NOT to be fraudulent. Apparently because they said the actual card was used, and this they consider impossible unless OUR card was actually there. I can assure you we were not there. 
We called many times, wrote a letter, asked to speak to supervisors, and were told the case was closed and we were liable.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc (CA)

I was sent to collection to XXXX XXXX XXXX XXXX by XXXX XXXX. I received a letter from XXXX XXXX indicating that as of XX/XX/22 I owed more than XXXX + interest, but my car was towed on XX/XX/22 and I have proof of that. I sent a letter to XXXX XXXX stating that I never received services from XXXX XXXX on the date stated on the letter they sent me. Then XXXX XXXX sent me a copy of the pink slip, but the date on the pink slip is whited out and written at the bottom sale date XX/XX/22 when I signed off the car to XXXX XXXX on XX/XX/22. Also, XXXX XXXX let me know that the storage fees were owed by law by the others person ( responsible of the accident ) insurance company and I never received any bills from XXXX XXXX
Consumer complaint received 2022-01-28
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. (AL)

The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NJ)

Hello, In XX/XX/2021 I watched a XXXX video that mentioned a company that was offering a XXXX credit line for their company. The payments were made, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XXXX XXXX. In the interest of boosting my credit profile and obtaining a higher score, I applied and was approved for the credit line and made a purchase of XXXX for some custom-made sneakers as a gift for my teenage son. The seller, XXXX XXXX, directed me by phone how to purchase the sneakers and assured me I would have my credit line and sneakers within4XXXX8 weeks. After 8 weeks, I recieved neither the credit line nor the sneakers so I became suspicious and reached out to XXXX XXXX the owner of collectivecon.com and reachable at XXXX and XXXX. He stated in an incoherent manner, there was a supply chain issue. I asked, while that may indeed affect the sneakers, the credit line would not be affected because that is a service and not a product and he hung up on me. I went to Affirm, the third-party loan servicer for XXXX. They said they could NOT help me, even though I received nothing for my money. I explained I RECIEVED NOTHING-and I am protected as a consumer against fraud. This was an fraudulent sale and even my own credit card company agrees it was " theft by deception '' or possibly " wire fraud '' and they are trying to get my money back. I am afraid that my bank will get my money back and I will have a negative on my credit rport for failure to pay for something I never recieved. I am certain I am not the only one. This was a clever scam. Affirm also continued to bill me for an additional XXXX so I am fighting the purchase of XXXX and an additional XXXX for some reason not specified. This is blatantly illegal and I am extremely distraught that I was scammed and no one will help me. This is the USA and not XXXX. This should never happen here! Please help, Regards, XXXX XXXX
Consumer complaint received 2022-11-12
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. (PA)

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account, 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. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX ( XXXX ) XXXX On behalf of XXXX XXXX for 30 In accordance with the Fair Credit Reporting act XXXX Account, 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.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AP)

I started with XXXX, but my loans were then purchased by MyFedloan. I am on an Income-Driven Repayment Plan. I am a  XXXX and wanted to update how many qualifying payments I've made toward the 120 needed for loan forgiveness. My income was so low one year that my payment calculated to {$0.00} per month. For 12 months the balance due was {$0.00}. The companies servicing my loans won't count these 12 months of payments as qualifying payments even though I was enrolled in an Income-Driven Repayment Plan and XXXX at a qualifying government institution. It is my understanding that even {$0.00} monthly payments are supposed to qualify as payments toward the 120 required for forgiveness.
Consumer complaint received 2022-01-28
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. (MI)

Last Saturday, XX/XX/22 I logged in to see my credit score with TransUnion and noticed that they dropped my credit score by XXXX points because I paid off my mortgage in XXXX! Not only did they do this, but they removed other paid off loans that should have stayed on my report, I was 100 % on time with my payments, but that all got wiped out!! Im in my XXXX and recently widowed, I was married for many years and my husband and I took out many loans which were paid off before they were due! I filed a previous complaint, but all they did was avoid the problems listed and didnt answer any questions as to why! So, Ill number the items that need to be addressed and I want a direct response to them, not a lot of skirting around the issue! 

1 ) I want my score brought back up, immediately to where it was!

2 ) I want paid loans that you removed put back on my report that you had no business removing because it shows my credit history! The less it shows, the worse the score, obviously!

3 ) I want my credit history to go back to what it was, you are lying to people that view my credit history when it says only 5 months! Youre slandering me!

4 ) One of your representatives told me that I have credit card opportunities so I should get some credit cards to rebuild my credit! This tells me that you are in cahoots with credit card companies and are pushing people into debt further! 

I am filing complaints with other government agencies because there needs to be an all out investigation done with all of the credit bureaus. I am also filing complaints because I am disabled and a widow, I am being discriminated against.
Consumer complaint received 2023-05-15
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. (IL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!

I have attached an id theft report, proof of identification, proof of address, and social security card for verification.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (PA)

In XXXX of XXXX I reached out to Guaranteed Rate Mortgage Company for my home purchase journey. I was told before they could issue me a pre-approval I would have to pay off a Judgement in the amount of {$5000.00}, which was done. On XX/XX/XXXX I was issued a pre-approval letter in the amount of {$260000.00}. My family and I were so happy and immediately begun our house search. On XX/XX/XXXX we went under contract and signed the sells agreement. On XX/XX/XXXX I paid {$590.00} for the property to get inspected, XX/XX/XXXX I gave the seller a deposit in the amount of {$2000.00}, and on XX/XX/XXXX I paid {$570.00} for the appraisal. On XXXX XXXX I received an email from Gauranteed Rate saying they received all paperwork and has started my mortgage application and to sit tight they will send me details when they had my approval numbers ready to review. Also on XX/XX/XXXX I signed my Loan Package/ Disclosure with Gauranteed Rate. On XX/XX/XXXX I received an email stating that I needed to submit additional documents in order to move forward, which I submitted on the same day. On XX/XX/XXXX I received a text stating that my loan has been submitted to underwriting. On XX/XX/XXXX I received a call from my loan officer saying that they have to withdraw my loan application because of a XXXX flip rule and that he would transfer my file with all my documents to another loan application. On XX/XX/XXXX I received a notice of withdrawal letter. On XX/XX/XXXX I resigned the sales agreement. On XX/XX/XXXX I received an email from my loan officer saying that he received the new sales agreement and in order for me to move forward I would need to pay off my car note ( which wasn't told to us before we went under contract or when we were asked to pay off the {$5000.00} ) judgment ) when I explained to him that that wasn't possible due to my children having covid and my fiance having to take time off of work I was the only one with income at the moment, he then said that without the car note being paid off then its a chance our loan will be denied. We already spent over {$8000.00} based off of me getting an approval and was told we would be going to closing on XX/XX/XXXX. On XX/XX/XXXX have reached out to the Company directly to file a complaint but no one is giving answers on too who dropped the ball. I have emailed the assistant manager, customer success and yet to receive an email back I also left a message and yet to get a response after being told someone would call me back that same day or within 24 hours
Consumer complaint received 2023-05-15
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. (IL)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!

I have attached an id theft report, proof of identification, proof of address, and social security card for verification.
Consumer complaint received 2023-05-15
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of the account which does not belong to me or was opened without my permission. 
XXXX XXXX  XXXX Balance : {$4900.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-09
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. (TN)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2018-03-05
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)

It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and Equifax. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.