davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (ME)

Last XXXX ( 2022 ) I traveled to XXXX, and prior to traveling applied for and received an American Express Delta Skymiles card. The offer came with and offer of XXXX miles after purchases over a period of time. I actually canceled the card 29 days after opening the account and never received the bonus miles. 

In the next several months, I continued to receive mail from AMEX offering the XXXX miles deal. In late XX/XX/2022 I decided to re-apply, and after spending the required amount within the time period, I did not see the XXXX miles added to my Delta account. 

When I called AMEX about this, they stated that the XXXX bonus miles are a once in a lifetime offer. 

It seemed very disingenuous of AMEX to continue to send me offers for the card when, in fact, I did not qualify for the offer. 

Reading through the very fine print of the offer online ( now reduced to XXXX miles ), clearly this information is buried and not immediately visible. There is a very small font " Offer and Benefit Terms '' shown just above the 'Apply Now ' button. Here is the language in that link : " You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' The part that is concerning to me is the fact that the final line, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' was not done, as I received no notification of this fact prior to receiving account approval.

The company was at fault for not notifying me that I was not eligible for the offer, so I applied in good faith. After numerous phone calls and letters, AMEX refuses to honor my request to reinstate the XXXX miles I earned, and would not acknowledge the fact that they failed to contact me about not being eligible for their special offer.
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}
Consumer complaint received 2022-08-30
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. (NV)

I have been submitting multiple letters from XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-02-24
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: U.S. BANCORP (NJ)

I hear about scammers draining accounts of innocent people, and to increase my security I went to XXXX website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at XXXX website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into XXXX, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

My name is XXXX XXXX and i have paid off 2 seperate self credit builder loans and now i have a 3rd one that was opened at the same time as the second one that i paid off and its reporting to my credit report as delinquent as 80 days and bringing my credit score down. I called in XXXX to get it corrected and they told me wait 30 days, so i did and now its reported again as delinquent on my account. I called twice toda on XX/XX/2023 to try to resolve the issue and was told that the deliquent account isnt even attatched to my social security number and has a whole differnet social security number, meaning you guys have reported someone elses deliquent account on my credit report and have violated my consumer privacy laws. This will be one of the last times reaching out before i reach out to my attorney again my name is XXXX XXXX, i currently have a secured self credit card open with you guys too the FRAUDULENT acoount you guys reported to the credit agencies XXXX XXXX CAN YOU PLEASE RESOLVE THIS AS SOON AS POSSIBLE? 
thank you
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Consumer complaint received 2022-08-30
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was no Late Payment made for XX/XX/2018. Creditor Capital One reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX keeps changing my payment history. At first it was only one 30 day late from XX/XX/ 2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Consumer complaint received 2017-08-31
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: CITIZENS FINANCIAL GROUP, INC. (PA)

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________

Auto Dealers? XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
_____________________________________________ XXXX XXXX   XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

For many months now I have been working to correct these fraudulent items with the bureau, corporations and whomever else is involved. The information that is being reported was not authorized by me and the information is not correct, yet the agencies continue to report it and am now having to seek legal action to take care of it
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted below. 

Here as follows are items in error : Personal Information Employment Information Please remove the following employer as it is not mine. 

XXXX XXXX Please remove as this isnt mine Attached is my complaint, drivers license, and social security card.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I fell behind on my credit card bills because I was injured on the job on XX/XX/2017. I contacted the credit card to solve it, and they did n't offer any assistance. my account was closed and I contacted them again to arrange payment. They said, if I were to make payment and bring the account current, the account would be reopened. I made several payments, up to 700 dollars and I was told that the account is not going to be reopened. I submitted doctors note, status letters, workers compensation documents, earnings so they can review the case and was still denied. 

It is not fair that they lied and denied my request to open the account and they are reporting it negatively on my credit report
Consumer complaint received 2024-03-08
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. (GA)

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY Account number : XXXX Account name : XXXX XXXX BANKRUPTCY Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

So I was scammed through someone posing to be my landlord. I had contacted them through a posting online in the beginning of XXXX. Then they later claimed they wanted the money through the post office money order. I met up with someone they claimed was a realtor who took my money and id. I was told I could pick up the keys then and I told to get new locks on the XXXX. I was there on the move in day. I found out that the building was owned by someone else. Also that someone else had moved in a week ago. I went to the police to file a report. They told me to check with the three major credit beaureus if there was any credit cards under my name or to inform them. They could only direct me to the FTC, and had me file a case for their detective. Then I went to the Post office but they made me pay a fee to investigate who the check went to. Also they said it would take two weeks to even get my money back. I have to move out soon so this makes it harder as I have to wait and see if theyll even be able to help or give me a not even full but they said a percentage of a refund. On top of this theres a whole secondary process for them to investigate it this further. Then I had to file a case at my bank Wells Fargo but they said because the money order wasnt with them I couldnt get my money back even though theyre the only one I bank with. Its honestly really sad and frustrating the way that the individual must make these leaps and we still have to pay to get our money back even though identity theft and scammers are so commonplace these days. Alongside this I was hoping to get a new numbers for my id, ssid, etc. Attached is the email of the scammer, proof the money was taken, also the contact name they pretended to be.
Consumer complaint received 2023-06-22
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00}, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
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: CITIBANK, N.A. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXX XXXX XXXX XXXX has called my work now 2 times. I have told them both times I am not allowed personal phone calls and work and it is a fire able offense if it is not an emergency. They called the first time Wednesday XXXX around XXXX, and again today XXXX at XXXX. Both times I have told them the same thing. Please make them stop calling before I am fired.