davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-21
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Contacted company by phone to get a copy of original debt. Statedthat I would be directed to a manager. Spoke with manager and requested copy of original debt. Was told the process of setting up a payment arrangement. I stated that I did not want to do that and that I need a copy of the original debt. They proceeded to repeat the process of setting up the payment arrangement. So essentially I need to pay them prior to getting a verification of debt which is against the law. They stated that they would send a copy of original debt but it has notbeen recieved.
Consumer complaint received 2019-12-21
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. (TX)

On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to Experian, XXXX  and XXXX letting them know that a creditor XXXX  is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, Experian, XXXX, and XXXX  are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions
Consumer complaint received 2019-12-21
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I was alerted by my Chase Amazon credit card that my card had been shut down due to suspicious activity. I immediately signed in to my credit card account to find the following : XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX XXXX Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX TOTALING- XXXX After finding these fraudulent and unauthorized charges I contacted Chase card services to report that, these were not my charges. After speaking with Chase, I contacted Amazon and XXXX XXXX. At which time, I was told the charges, from both companies would be removed. And, they were ... UNTIL ... I learned today XX/XX/XXXX, that I had been re billed for these previously removed unauthorized charges to my Chase Amazon Visa. I was also not informed in any way by Chase Amazon Visa that these charges were being rebilled or why, I just happened to be going over my XXXX statement and bam ... there they were AGAIN all {$360.00} of fraudulent charges complete with interest!
Consumer complaint received 2023-01-16
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: Opportunity Financial, LLC (NV)

XXXX In connection with the collection account with Opportunity Financial, In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, 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 by such agency of ( 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. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.
Consumer complaint received 2019-12-21
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.
Consumer complaint received 2024-03-13
Product: Credit reporting 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-05-12
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: ALLY FINANCIAL INC. (LA)

my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I just opened an account with Citi in XX/XX/2019. In XX/XX/2019, just 3 months later, I logged onto my account to transfer a balance from another credit card to the Citi account. I was surprised to learn there was a payment overdue and late charges were added. I called Citi customer support and asked about the two charges and late fees. The two charges were linked to a "XXXX" account and I haven't had a XXXX account in years so I was suspicious of this activity and mentioned it to the representative. The representative seemed to understand my situation and tried to waive the late fees and issue a new credit card but was unsuccessful so he gave me a number to call and transferred me to the other department. This representative was also unsuccessful in trying to waive the late fees and transferred me to yet another dept. All I got from this call was a computer-generated message saying "fees cannot be waived" and the call disconnects. I filed a complaint with CFPB XXXX and the response XXXX XXXX was confusing. as a disclaimer was on the second page of the letter, leading me to believe that the letter was never signed by a representative of Citi. When I reviewed the letter again I noticed the representative's signature on page 3 and I also noticed her response was in regard to a "discrimination" complaint. Clearly Ms. XXXX never read my complaint as it was about possible fraudulent charges and subsequent late fees, but since Ms. XXXX mentions "discrimination" I would also like to file a "discrimination" complaint. Ms. XXXX goes on to say, "During our investigation into your concern about discrimination, we found our action on your account was consistent with other customers in similar situations". Unless Ms. XXXX can prove that Citi has a verifiable history of Senior Citizens that had potential fraudulent activity on their account and were never notified about monthly payments within the first 3 months of service, then I allege Citi discriminated against me because of my age. I was never notified of monthly payments, I do not have a XXXX XXXX account and the activity appears to be fraudulent. Despite being informed of my situation Citi has done nothing but charge late fees and I believe I am being discriminated against because of my age.
Consumer complaint received 2023-01-16
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. (IL)

This is my other 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
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CT)

This Complaint relates to a BaALANCE TRANSFER promotion from Barclays Bank USA through my Miles & More Master Card with Barclays Card. 
On XX/XX/XXXX, I called XXXX and spoke to XXXX. I stated that I wish to avail the % promotional offer, details as attach A. Ms. XXXX validated my credit card account with Barclays and I then proceeded to give her the details of the Receiving Bank where the funds of {$7000.00} should be  transferred to, the XXXX XXXX XXXX XXXX XXXX Elite Visa Card. 
On XX/XX/XXXX, Miles & More Mastercard was charged the Balance Transfer Amount of {$7000.00} plus the 3 % Transfer Fee of {$210.00}. 
On XX/XX/XXXX, I called Barclays and spoke to Ms. XXXX to query as to why the funds have not been credited to my XXXX  Visa card. She stated that Balance Transfers take about 7 to 10 business days to be credited to the Receiving Bank. I retorted that I " was not advised of such delay '' when I spoke to Ms. XXXX on XX/XX/XXXX. I explained that the reason that I took advantage of the Bank Transfer was to obviate the " high interest ( 11.4 % ) of XXXX. A substantial delay in crediting my XXXX credit card puts me on " double jeopardy '' in terms of paying the 3 % transfer fee upfront by Barclays and at the same time paying a " compounded interest of 11.4 % '' with XXXX. It DEFEATS the whole purpose of " taking advantage of a lower interest. 
I spoke to a Supervisor named XXXX ( ID # XXXX ) and requested a copy of the DISCLOSURE indicating the " 7-10 window to transfer funds ''. He stated that he COULD NOT provide me one. I requested him several times and he insisted that he could not provide me a Disclosure. After my insistence, he said that he could READ me the Disclosure but NOT one in WRITING!. I rejected his proposal. 
Both Ms. XXXX & Mr. XXXX denied my request to CANCEL the transaction because of this delay. 
To this writing ( XX/XX/XXXX ), these funds have not shown as credit to my XXXX Visa card, Please see attach B. 
Your assistance in having this issue be investigated and clarified is much appreciated. 
FYI, I am a senior  of XXXX years old on a fixed income who is responsible enough to meet my obligations.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (TN)

Loss job due to medical disability- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - SSDI claim took several months for determination and receipt of SSDI benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss- Please update XXXX and XXXX credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation. And refund me for fees paid/interest assessed for credit product.
Consumer complaint received 2019-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

XXXX XXXX transaction date XX/XX/19 -- Posted 09/05/19-reference # XXXX, account # XXXX XXXX I have no record of this purchase. Checked XXXX account, not listed in " store purchases or online. '' Contacted XXXX- '' We can't help you, contact the Bank . '' XXXX Filed fraud dispute with Bank of America XX/XX/19 Fraud dispute not approved by Bank of America XX/XX/19 Requested detailed document of what was charged through Bank of America . 
Received document, doesn't list which store, just says " general merchandise. '' Call Bank of America, told to go to the store and ask for specific information. 
XXXX Spoke with manager of store, told he has no records and contact XXXX  Customer Relations. 
Contact XXXX  customer relations, told to contact Bank of America.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Subject : Request for Immediate Removal of Outdated Negative Information Under FCRA Guidelines Dear Sir or Madam, Upon a recent review of my credit report, I have identified an inaccuracy that is impacting my financial health and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the duration of negative information on consumer reports as outlined in Sections 605 ( a ) and 623. This concerns a charge-off by XXXX XXXX XXXX for an account that was closed on XX/XX/2017. 

Account Information : Creditor : XXXX XXXX XXXX Account Number Ending In : Please Review Attached Documents Charge-Off Date/Date Closed : XX/XX/2017 The presence of this charge-off on my credit report beyond the seven-year limit mandated by FCRA 605 ( a ) has unjustly affected my credit standing. This outdated information inaccurately reflects my current financial health and legal compliance regarding credit reporting standards.

Action Required : 1. Investigation : In accordance with FCRA 623 ( b ), I request a comprehensive investigation into this matter to verify the outdated nature of the reported charge-off. 

2. Removal of Outdated Information : I expect the removal of this charge-off from my credit report promptly, aligning with the requirements of FCRA 605 ( a ), which limits the reporting of negative information to seven years from the date of initial delinquency.

3. Confirmation of Action : Please provide written confirmation of the investigation outcome and the removal of the charge-off, as per my rights under FCRA 611 ( a ). 

Please note that the recent review of my credit report that revealed this discrepancy was initiated by me and does not reflect any recent update provided by XXXX XXXX XXXX. 

Attached Documentation : XXXX. Documentation confirming the charge-off date by XXXX XXXX XXXX XXXX 

2. Copies of my credit reports indicating the presence of the outdated charge-off.

I trust that you will address this issue promptly and ensure compliance with FCRA standards. Failure to rectify this error within the statutory 30-day response period may necessitate further actions on my part, including seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) and legal advice to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report and uphold the integrity of credit reporting standards. 

Sincerely,
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (AL)

I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to XXXX on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if two different reporting companies are reporting different information for the alleged account? I have not heard a response from XXXX. 
I have also informed XXXX that I did not authorize Inquiries that are reporting.
Consumer complaint received 2023-01-16
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. (CA)

I submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX XXXX XXXX  Owed : {$13000.00}.
Consumer complaint received 2023-01-16
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 submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX XXXX XXXX  Owed : {$13000.00}.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened a Citi Checkings & Savings account with a {$500.00} promotion for meeting certain requirements. I met those requirements for the {$500.00} bonus and Citi closed both my accounts and did not pay the agreed upon bonus.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.
Consumer complaint received 2023-01-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$900.00}
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (PA)

on XX/XX/2022 XXXX XXXX  opened up a collection. 
account number {$2000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX