davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (IL)

I have previously attempted to have this agency cease and desist and they refuse to do so. The damages they are alleging were not done by me. I have requested proof on multiple occasions. Also, within the City of XXXX a landlord is required to send a statement regarding charges within 30 days of moving, or no debt can be charged to a tenant. I have requested proof of this statement being sent including but not limited to tracking information, certified letter, etc and have received no proof regarding. The management company that sold this debt to NCAC is no longer in business due to these illegal practices. I have submitted NCAC with photographic proof of no damages and have  requested photos regarding the said damage, receipts for cost of repair, etc and have received nothing regarding.
Consumer complaint received 2023-07-16
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 (NY)

On XX/XX/XXXX, I received an offer from American Express Credit Card to receive XXXX membership reward points if I added an authorized user to my credit card by XX/XX/XXXX and the user spent {$2000.00} on the card within 6 months of opening. 

I added an authorized user on XX/XX/XXXX and received email confirmation of their approval on XX/XX/XXXX. Further, I confirmed I spent well over the {$2000.00} within 6 6 months to qualify for the reward. 

A month after doing so I reached out to American Express to see when my points will be rewarded and was told it could take up to 8 weeks.

After not receiving any points within 8 weeks I followed up around XXXX of XXXX and had a customer representative open a case to review. I never heard back from American Express on this so I called a customer service representative on XX/XX/XXXX, who told me the case report said I was not eligible for the offer because I added the authorized user after XX/XX/XXXX. Since I know that is not the case ( and have email prood ), I requested to open a new case and attach a copy of the email approval on XXXX as proof that I qualified for the offer. 

On XX/XX/XXXX I followed up on my new case with a representative who told me my case was reviewed and the outcome of the case was that I never had the offer on my account that I claimed to have. 

I am getting really frustrated because I keep getting different information every time I call, and feel like American Express is trying to avoid giving me the reward I deserve. 

When I call their customer service line, I am only able to have a representative open a case for me, rather than review it live. The team that reviews these requests is back-office which makes it impossible to get a clear answer. 

Please help me get the points I deserve. Thank you!
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NY)

After recent payments have been sent, the pattern of money paid to the company and money applied to the account shows where there is no explanation of where it has gone. Regardless of other missing payment, the most recent since XX/XX/XXXX shows an urgent notice for {$450.00}. Since this notice, it is very clear that {$70.00} has been paid, then {$100.00} has been paid. Total {$170.00}. That leaves a {$280.00} balance for the {$450.00} past due. Instead of a {$280.00} past due notice, there is a {$320.00} past due notice, with no explanation regarding the {$45.00} missing after sent to Bridgecrest. This has been an ongoing issue for about 24 months. There have also been attempts to steal this vehicle, abuse at the dealer, and problems with the emergency service inside the vehicle. With notices sent in email saying it is a government owned auto. It is not. There is a problem with the accuracy of payment history and repo attempts regardless of payments made on the car. Disputes regarding ownership, identity.
Consumer complaint received 2022-05-22
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: Thaxton Investment Corporation (SC)

I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score
Consumer complaint received 2022-05-22
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: Sunset Management, Inc (SC)

I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score
Consumer complaint received 2022-05-22
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. (IN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX Unknown person caused Citibank to wire {$500000.00} from my Insured Money Market Account payable to one XXXX XXXX. On same date I made face to face contact with my local Citibank Manager who filed a claim for fraudulent wire transfer. 
Citibank in a letter dated XX/XX/XXXX denied my fraud claim. Instead of blaming the wrongful transfer on their own lack of robust cybersecurity and protection protocols, Citibank asserted that customer must have provided account information or authorization for transaction which turned out to be a scam. 
I have provided an affidavit of Unauthorized Online Wire Transfer to Citibank and a letter stating categorically that 1. i did not provide my banking information to anyone 2 I have no knowledge, participation or benefit in any such scam As of today XX/XX/XXXX Citibank has not refunded my money {$50000.00}.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporter act XXXX 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 XXXXXXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused serve XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-02-16
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. (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.

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 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was trying to buy concert tickets on XXXX, and I found someone by the name of XXXX. Through direct messages on XXXX, XXXX showed proof of owning XXXX tickets. We agreed on {$250.00} per ticket, and I wired her yesterday ( Sunday, XX/XX/2022 ) {$500.00} using Zelle. After wiring the money, XXXX requested another {$170.00} to cover XXXX XXXX XXXX purchasing fee. I told XXXX that I would not wire the {$170.00} until she sent me the tickets. XXXX refused, so we agreed that I would send {$100.00}, XXXX would transfer the tickets to me, then I would pay the remaining {$75.00}. After sending XXXX {$100.00}, she continued to refuse to transfer the tickets. I then messaged her the next day ( Monday, XX/XX/2022 ) and asked her to return the {$600.00} I had sent through Zelle, to which she did not respond.
Consumer complaint received 2024-02-16
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)

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-02-16
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. (TX)

I wish to dispute the following information found on my Experian credit report. 
I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Consumer complaint received 2022-12-17
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. (NY)

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2024-02-16
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. (NY)

I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX Report : Bill was never submitted to insurance even though insurance information was provided to hospital. Additionally the amount owed is {$22000.00}. The collection agency ( Rash Curtis ) has ballooned it to {$35000.00}, stating interest has been accumulating. Yet other hospital bills with other collection firms/companies have never charged interest fees. Responsibility lies with the hospital and insurance. Someone needs to investigate Rash Curtis for bullying tactics with harassing phone calls, pressure tactics as well as personal threats. 

On the XXXX report they have bumped the total yet again, to {$35000.00} and added another False claim that a separate charge of {$50.00} is still owed to the same hospital and has bumped that total to {$75.00} with no information provided as to why. 

XXXX report is {$35000.00}. Again this collection company is making up whatever total they want and stating its related to interest charges. I no longer have this particular insurance coverage/plan that was used for this hospital visit as I have changed jobs since then. 

Balance incorrect. Collection agency violating the Fair Debt Collection Practices Act with unfair practices and forging multiple debts. As well as Harrassment and Abuse. They also did a hard inquiry on my XXXX report which said I applied for credit with them, which is false. Again, this is false information and should be removed from my hard inquiries. I did not apply for credit with them. 

Rash Curtis has raised the balance w/o my at consent. Additionally, it seems only their false statements and falsified cost increases are accepted as truths while my information is discarded altogether. The shear amount of harrassing phone calls put so much stress in my life, that quality of living was affected. They called day and night, changed phone numbers over and over again. All while I gave them the same information ... .that the bills need to be submitted to insurance. Additionally, I spoke with the hospital in question to please file with the insurance company/info they obtained from me right from the get go. 

The personal threat of suing me over these medical bills was enough for me to have full on panic attacks. I have recently applied for a home loan and was denied at 1 lenders office due to Rash Curtis and bullying tactics. They also said as long as they legally can stay on my credit reports they will continue by all means necessary as well as continuing to obtain the unpaid debt including suing me. 

There are to many dates to list them all here. I pray that this mean, horrible collection agency and or dirty lawyers be brought to justice. I can't be the only one who has had these types of experiences with them.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX}
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian has not block the credit card company info that reporting on my credit report as XXXX XXXX that has a balance of {$670.00} and this account is fraudulent and I never did business with this company and my information been stolen and I have added a fraud alerts and I want this account blocked..
Consumer complaint received 2022-05-22
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  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy dismissed # 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 a account without my written instructions
Consumer complaint received 2022-05-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 bankruptcy dismissed # 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 a account without my written instructions
Consumer complaint received 2024-02-16
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. (CA)

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.

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 2022-12-16
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. (DE)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting furnish a account without my written instructions.

15 USC 1666B : A creditor can not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-23
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: LD Holdings Group, LLC (NY)

I've contacted LOANDEPOT & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

LOANDEPOT XXXX