davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

On XXXX, XXXX XXXX, 2022, I received an email purporting to be from Experian, notifying me that the email address / user name associated with my account had been changed. I did not initiate the change, and I did not recognize the new email address. 
I attempted to log on to www.experian.com, but my user name and password were not accepted. The email they sent invited me to click a link for their Membership Support desk to report the problem, but I did not want to click a link in an email that might itself be fraudulent. ( I did send an email to XXXX, but not via that link. ) I also called the number listed on their website, but was unable to get to the Fraud Dept. or past the automated menu at all. Finally, I found a membership customer support number and called that, and I spoke with a woman who asked questions to verify my identity, and who reestablished my correct email address / user name. I changed all the relevant passwords and placed a fraud alert on my account. 
However, in the hours since that time, I have received further suspicious emails purporting to be from Experian, and I have tried contacting their Fraud Dept. by phone over a dozen times, but I have been unable to reach anyone. It is exceptionally difficult to locate an option for freezing one 's credit on their website, and when I finally found and filled out such a request, it was denied. Ultimately, I tried several more calls ; their automated service hung up on me several times, said it was not possible to connect me to a representative or specialist a few times, and generally made it all but impossible to take control of or even report a possible urgent identity theft problem. 
By sheer persistence and by navigating the automated menu in a variety of ways, I finally heard an option to freeze my credit report with Experian, and I said yes. I was given a confirmation number, but I was also told they would send an email with the necessary PIN number for managing the freeze. I have not yet received that email! 
By contrast, I logged on to both XXXX 's and XXXX 's web sites, and I was easily able to place a freeze on my credit report ; I received immediate email confirmation of having done so. 
These companies have FAR too much control over our lives to be so lax, so inattentive, so unnavigable in the face of fraud and identity theft, which are some of the most pressing problems American consumers face. Experian should be censured, or better yet put out of business for practices like this.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (CA)

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Consumer complaint received 2022-04-08
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)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 renortinoadency can not furnish a account without mv written instructions
Consumer complaint received 2018-07-10
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. (GA)

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX  National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any  organization who uses my name without my consent, and committing fraud.
Consumer complaint received 2022-01-24
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. (NY)

I have reviewed my consumer report and still find that unauthorized inquires are still being furnished on my report. I did not give written consent to Experian for these transactions to be furnished which is identity theft. I have complained about this multiple times.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed. Credit bureaus Experian, XXXX  , & XXXX  won't remove them even after I disputed them.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I have contacted the credit bureaus Equifax, XXXX and XXXX requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


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Consumer complaint received 2022-01-24
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: AMERICAN EXPRESS COMPANY (MI)

Sometime in late XXXX or early XX/XX/2021, I applied for the American Express XXXX XXXX XXXX card. They had an offer on their website for 90,000 miles, in addition to some other benefits, by spending a specific dollar amount within a 3 month time frame. The card was approved and I began using it on XX/XX/XXXX and also paid a {$250.00} annual fee my first month. 

I had not seen my bonus miles show up so I messaged them on XX/XX/XXXX to inquire. I was told that the bonus offer was denied based on my welcome offer history with American Express and another financial institution. The representative also stated that I should have been informed of this at the time of application, they knew that I was not informed and they apologized for me not being notified. I was not informed of this at the time of application. I had even called them shortly after I applied and was approved and the employee had clarified the bonus offer. A transcript of this correspondence containing 3 screenshots is attached. 

AMEX should have notified me right away as they know I applied for that offer on their website. I feel this is misleading. I have also spent over {$15000.00} on this card in the final 3 months of 2021 so AMEX has made good revenue on our activity. Of course I am frustrated by not receiving the rewards I was expecting but more importantly feel like they neglected to inform me of the situation, which added to the frustration. 

I really enjoy the quality of the company and the card benefits but it bothers me that this happened. I have referred many other people to apply for this card as well and I continue to use it as my primary card. The reason I applied for it is a family member recommended it as they use it for frequent travel and we plan on doing more traveling now that our kids are older.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-08
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. (MO)

I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has not fulfilled its legal duties to fix an erroneous account on my credit report. I was taken advantage of due to malpractice. Several laws were broken under the FCRA by XXXX. XXXX has caused me financial injury and defamation of character. I can not apply for a job or a loan to help my business grow because XXXX has not taken any action to solve the disputes. It has been over 60 days now and still I am waiting on them to correct the mistakes so I can proceed with my life. There has been a security freeze and fraud alert on my credit for the past 4 years. This account has been on my credit too long due to XXXX not following the FCRA laws diligently. I hope this dispute gets resolved soon so I can get back to providing for my family and support my further childs birth.
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I filed a ftc report and police report on some i told them that its was identity theft they refuse to delete off my credit.
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Minto Financial dba Minto Money (CO)

On Friday, XXXX I called XXXX XXXX for a payoff amount and was given the total of {$720.00}. At that time I authorized payment for {$720.00} to payoff and closeout the loan. 

On Monday, XX/XX/10 the loan payoff was deducted from my checking account as well as a " regular payment '' of {$230.00} which should not occurred due to my loan being paid off. 

I used the online chat and called minto money requesting the extra payment to be refunded and both channels refused a refund because the {$230.00} was my regular payment. 

XXXX XXXX should have cancelled my XX/XX/10 regular payment when I called on XXXX for a payoff amount and processed a payment.
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (FL)

Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX AF inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (MO)

On XX/XX/2021 I opened a checking account online with Axos Bank. On XX/XX/2021 I transferred {$2000.00} from my account at XXXX to Axos. On XX/XX/2021 I began a transfer of {$2000.00} from my account at XXXX and attempted to cancel this transaction on XX/XX/2021 but it went through to Axos. On XX/XX/2021 I closed the Axos account and asked to have the funds sent to my address on file with the bank. Instead they sent the funds back to XXXX and XXXX. At that time neither XXXX nor XXXX showed receipt of the funds. After numerous phone calls and emails between myself, Axos, XXXX and XXXX, Axos emailed saying they had contacted the Federal Reserve and were given trace numbers confirming the funds were transferred ( that email is attached ) .Vanguard was able to confirm the receipt of the funds with the Federal Reserve trace number but XXXX was not. I tried to contact the Federal Reserve but after going through several federal agencies including the Dept. of the Treasury, Bureau of Fiscal Services, I was told my only recourse was to file a complaint through this agency. I have asked Axos to find out what account the Federal Reserve deposited the funds into at XXXX but they did not respond to my request.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

On XXXX, I didn't give XXXX XXXX permission to obtain a copy of my consumer credit report.

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 2022-01-24
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. (FL)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2021 the attorney handling the refinance of my home sent a check in the amount of {$7400.00} to my Barclay Credit Card ( XXXX XXXX ) to pay it off. 
I have proof that the check was cashed on XX/XX/2021. 
The payment has not been applied to my account. 
I have reached out to Barclay credit cards starting on XX/XX/2021 and have provided them with a copy of the cashed check and everything else they have asked. 
I have been checking in with them on a weekly basis and have not had any resolution. 

This was a large payment and I am extremely frustrated that after 5 weeks of trying to have this resolved- I am not any closer. 

Can you please help me?
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

ON XXXX -- 2022 I DID NOT GIVE XXXX XXXX XXXXXXXX PERMISSION TO OBTAIN MY CREDIT REPORT 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 2022-08-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AXOS FINANCIAL, INC. (AZ)

I received a statement from Axos on XX/XX/XXXX for collection of a 2nd mortgage that was paid off in early XXXX of XXXX. We ( XXXX and I ) received a payoff letter and XXXX mortgage paid it off. I don't understand why this is happening after a year and 6 months.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to consumer reporting agencies ( TRANSUNION, XXXX, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.