davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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)

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

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 Delete immediately !
Consumer complaint received 2022-09-07
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. (MS)

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (AZ)

I recently signed up for a new credit card from Chase Bank co-branded with XXXX XXXX. The card came with a promotion that requires a minimum spend of {$4000.00} within the first 3 months in order to receive the promotion. I have been using the card exclusively to reach the spend goal and also switched all of my automatic payments over to this card to help reach the required spending. Today XX/XX/2019 at approx. XXXX XXXX XXXX time, I went to make a {$3.00} purchase at a coffee shop and was embarrassingly informed that the card was declined. I called Chase at approx. XXXX XXXX XXXX  time to inquire why the charge was declined. During the call the rep from Chase also informed me that an automatic payment was declined. The reason for the declines according to Chase was that Chase put a temporary hold on the account. Why? I was told it was a random hold. This was never communicated to me so that I could make alternate arrangements for the automatic payment and nor was this communicated when I signed up for the card. Had I not called I would not have known about the declined automatic payment and been charged a late fee and an insufficient funds fee. Additionally, the rep informed me that Chase puts random holds on accounts from time to time. So basically, I should never set up auto payments with their card. Also I am taking a chance of another embarrassing moment of having the card declined at a merchant. I have had automatic payments set up with XXXX XXXX XXXX and XXXX and NEVER, I repeat NEVER experienced anything like this. Very discouraging business practice when you want people to use your card. 
Also, very poor customer service by their senior phone rep.
Consumer complaint received 2017-06-14
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. (TX)

XXXX XXXX has ever XXXX credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized XXXX XXXX to inquire about credit. XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX XXXX Last Reported by XXXX XXXX XXXX, 2017 + XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (KY)

Nelson Cruz & Associates, a collection agency continue to wrongly call " my number '' and leave messages for another person. They use in-state id 's when calling to confuse. A XXXX called on XX/XX/2022 at XXXX am. A XXXX called and left a message on XX/XX/2022 at XXXX pm. XXXX XXXX called and left a message on XX/XX/2022 at XXXX & XXXX pm. These were all calls for a " XXXX XXXX ''.
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: eCon Credit LP (CA)

I noticed  Nationwide Acceptance Corporation app ear on my credit report today  XX/XX/2017   . I have no outstanding medical bills with my insurance carrier. I have attempted to contact this company via certified mail and via phone at the numbers listed on their website contact information. ALL TELEPHONE NUMBER ARE INVALID. Also noting there are two variations of an address as well from my credit report versus the company website. It is my belief this is a fraudulent company attempting to obtain money from me and falsely reporting information on my credit report.     Telephone Numbers Listed NOT IN SERVICE :  XXXX   XXXX  WEBSITE :  http : //www.nationwideacceptance.com/contactus.aspx
Consumer complaint received 2022-03-03
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. (MI)

These Inquires have been made to my account fraudulently and without my knowledge Remove these ( 5 ) Fraudulently inquiries from my credit report that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUSIVE Action For XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-01-23
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I was reviewing my credit report on  XXXX  web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith   XXXX   in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of   XXXX  , and the charge was made on   XXXX  , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that  XXXX  did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST HERITAGE CREDIT LLC (TN)

I called : Creditor Contact Details :   FIRST HERITAGE    XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX , (  XXXX  )  XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my  credit score . I will pay them immediately. Thank you very much.   Your quick response would be greatly appreciated.   Sincerely.    XXXX   XXXX
Consumer complaint received 2017-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NC)

Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for this?
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted XXXX, Experian, and XXXX and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : 1. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 4. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 5. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) 7. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MS)

I sent the gift card to someone and they can't be able to redeem it. 

I emailed XXXX, the credit card and the Giftcards.com They won't help me with my situation. In attachment document... I have proof that there is no XXXX XXXX gift card. 

on XXXX XXXX account. 

Then Giftcards.com response was send her a card so she can redeem it. 
I told them that we aren't going to redeem it, we want our money back. 
They won't refund.
Consumer complaint received 2022-03-03
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. (MI)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-03
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: CITIBANK, N.A. (FL)

Dear Sir / Madam, - On XX/XX/XXXX I purchased tickets at XXXX with a Mastercard Credit Card ( ending XXXX ) I used to own for an amount of {$170.00}. 

- On XX/XX/XXXX I received a Fraud Notification for the same credit card, and as a consequence of it, my financial institution ( Citibank ) provided a replacement with a new numbering. 

- As a consequence of the COVID pandemic, the show I had purchased the tickets for was Postponed ( not Cancelled ) and after getting in touch with XXXX, they claimed that they could not refund the money until the show is rescheduled or cancelled. 

- Finally, in XX/XX/XXXX, the show was rescheduled and my tickets was cancelled, and XXXX refunded the money to my original method of payment, which was the Mastercard Credit Card ( ending XXXX ) that I do not longer have as I was victim of fraudulent activity and received a replacement card. 

- XXXX claims that the funds were released to Mastercard between XX/XX/XXXX and XX/XX/XXXX and Mastercard did accept the funds. They are even open to provide the evidence of having released the funds and Mastercard having accepted them, but they claim they can not provide directly to me but only to Mastercard due to data protection issues, but Mastercard is not providing any contact or fax number to receive the evidence.

- I have been talking to Mastercard multiple times, sometimes they claim they have not received the refund, some others they claim that I will receive the refund in my next billing cycle, but month after month, I never received the funds.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Filo Mortgage, L.L.C. (FL)

On XXXX XX/XX/2022, I started the home refinance process with FILO Mortgage. Seventy-five e-mails from XXXX through XX/XX/2022, with FILO mortgage XXXX All e-mails had the same message this loan application is progressing it is approved while at the same time asking for numerous repeat information and documents previously provided. On XX/XX/2022, I was notified by FILO Mortgage it had requested a new credit report a second report from the initial credit report obtained with the start of the process. This was conducted without my approval ( a clear violation of the fair credit and reporting act ). The results of that report indicated a change from the first request and based on that unauthorized report, On XX/XX/2022, I was notified that the loan application was being cancelled, FILO mortgage was cancelling my loan application based on the unauthorized credit request. I am in the process of filing a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission and will work with the XXXX XXXX XXXX. The whole two-month experience with FILO mortgage has left me with one conclusion. In my judgement, Filo Mortgage is a company that one should be very leery about doing business with. In my view they clearly have poor case file management and unqualified individuals working the refinancing process.
Consumer complaint received 2022-09-07
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. (FL)

I am a natural person Im a living human being I have rights under 15 USC 1681 XXXX is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts this may be a case of identity theft which happened during the XXXX data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I disputed XXXX / XXXX and XXXX XXXX they removed XXXX XXXXXXXX but that made my credit score go down ever more when it should have went up since the identity theft account was removed the I'm also still waiting for the XXXX  account to be removed as I think it's been over 30 days police report has been submitted to them already but they dropped my score when in fact it should be rasing after the false accounts was removed
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Golden State Collections LLC (IL)

I am being  XXXX  hit on my credit report from this account - State Collections and also the judgement/ I called State collections and talked to    XXXX   XXXX   on   XXXX   17   @  XXXX  and she said " We only collect the payment and the judgement is a different thing and that it wont only come off or only be seen by one hit unless its paid in full ''
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX, XXXX, I received an email from XXXX that funds has been used from my account to buy cryptocurrency thru Coinbase. I called the support number in the email to reach out to XXXX, but was connected with the hacker. He convinced me that I needed to close out my XXXX XXXX  savings account so he could install more security protection. On XXXX XXXX, XXXX, he transferred {$15000.00} to Coinbase account he opened in my name, XX/XX/XXXX transferred {$49000.00}, XX/XX/XXXX transferred {$48000.00} and {$50000.00}, and $ XX/XX/XXXX transferred {$59000.00} for a total of {$220000.00}. My total life savings. I am XXXX XXXX XXXX, single woman, who lives alone. I can access one Coinbase wallet that only shows my sending info for the two-step id to the account. No money is in that wallet. The second wallet, where the money went is gone to my view. However, a recent phone call to Coinbase, I was told they could see the transfers in and out and declined to tell me where the funds were transferred and by whom. 
Can you help me?
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a XXXX month membership to XXXX XXXX  that I used in XXXX, 2021. In XXXX I tried to book an appointment with the masseus that I had before and she was out sick ; I said I would cancel my membership and they said I could not. I have written letters to the credit card company to no avail. XXXX XXXX finally agreed to cancel most of the membership with the exception of XXXX, 2021. I have called and sent letters to the Credit card company- they are to blame ; they are now charging me {XXXX  plua interest and penalties and late charges. I paid the XXXX} because the credit card company sent my name to XXXX. I canceled my credit card.