davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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. (IN)

I sent a copy of the letter from the bankruptcy court along with a dispute letter requesting their method of verification to Experian on XX/XX/20 certified mail regarding two bankruptcies that was reporting on my credit report.I also sent another dispute letter on XX/XX/20 certified mail stating the inaccuracies of the two bankruptcies reporting on my file.Experian then responded on XX/XX/20 stating its still under investigation.Then Experian responded on XX/XX/20 stating that the two bankruptcies are reporting accurate.Then Experian sent another letter on XX/XX/20 stating to ask XXXX XXXX for verification on bankruptcies.I reached out to XXXX XXXX they sent me letter on XX/XX/20 stating they could not verify the two bankruptcies and its not showing in their files.I sent another dispute letter on XX/XX/20 certified mail explaining to Experian that XXXX  and XXXX  have deleted both bankruptcies because they couldnt be verified.Then I sent another dispute letter on XX/XX/20 certified mail to Experian with a copy of letter from XXXX XXXX stating its not showing in their file and I asked Experian again for their verification procedure.I also sent another dispute letter to go along with Experian investigation on XX/XX/20 certified mail further asking for verification of the two bankruptcies.Then Experian responded on XX/XX/20 stating the two bankruptcies are accurate and verified.Experian failed to provide me their method of verification which I requested on XX/XX/20.Experian disregarded the letter from the bankruptcy court stating they do not give out information to the credit bureaus.Experian stated to ask XXXX XXXX for verification because thats who they gathered their information from, I did just that and the two bankruptcies could not be verified and Experian ignored that letter from XXXX XXXX also.Experian did not do an investigation they never provided any method of verification or any proof to show how they verified the two bankruptcies.Experian has violated my rights under the Fair Credit Reporting Act and Im beyond frustrated.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (NY)

On XX/XX/2021 I received a letter from American Coradius International ( ACI ) LLC in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give ACI prior consent to any communication with me. ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from American Coradius International ( ACI ) LLC located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give ACI prior consent to any communication with me. 

After I disputed this alleged debt with ACI, ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...
Consumer complaint received 2019-10-31
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 DENIED CREDIT BY EXPERIAN & ALL CREDIT REPORTING AGENCIES, BASED ON UNPAID MEDICAL BILLS. ALL MEDICAL BILLS WERE PAID IN FULL BY MEDICARE PART A, DOCUMENTS EXIST OF PAID IN FULL.. ALSO I AM DENIED CREDIT ON A NON-EXISTANT DEBT ON XXXX XXXX XXXX  XXXX XXXX AMOUNT {$130.00}, THE ACCOUNT WAS CLOSED IN XX/XX/2016, THIS DEBT WAS INCURRED AFTER CLOSE OF ACCOUNT. I AM TOLD I HAVE A DEROGATORY PUBLIC RECORD & OUTSTANDING DEBTS, THIS IS NOT ACCURATE OR TRUE.
Consumer complaint received 2019-10-31
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 (NY)

Responded to an email offer from American Express offering XXXX Membership Rewards for each person I added to my account if they spend {$250.00} in first 3 months. 
I added my son and daughter and they each spent in excess of {$250.00} within the first 3 months of being added to the account. Contacted Amex and they claim that there was a link that should have been accessed at the time they were added. They did not dispute that the terms were met. I find this to be a deceptive practice. I contacted AMEX XXXX and they failed to resolve the issue. Communicated with representative for about one hour from XXXX hrs thru XXXX hrs. Stated they would open an investigation which will take 6-8 weeks to complete. 

This was the email offer I received on XX/XX/XXXX : Add your significant other, an employee or your child ( 13+ ) to your account, and give them access to all the little pleasures and unforgettable experiences that come with carrying an American Express Card XXXX Then, whenever they make an eligible purchase, from a trip to their favorite taco truck to a new set of trainers, youll earn the rewards. 
Earn XXXX Membership Rewards Points Add new Additional Card Members to your account through this email and earn XXXX Membership Rewards points after they spend {$250.00} in eligible purchases on their Card in their first 3 months of Card Membership ( limit XXXX Membership Rewards points. Offer ends XX/XX/XXXX. 

My son has spent {$360.00} and my daughter {$250.00} to date.
Consumer complaint received 2017-08-10
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)

I had my first bankruptcy for a failed business in XX/XX/XXXX-XX/XX/XXXX. My lawyer had me list all creditors including my utilities. I had no issue with paying that, and was never late, I just listed it. I ca n't find the old paperwork for that, but just by looking at the dates gives it away. For XXXX XXXX XXXX way back with my first business, which only lasted 2 years. Just reseach it, I had a medical BK in XXXX but it did n't mention XXXX XXXX  XXXX in that one.
Consumer complaint received 2020-10-11
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. (GA)

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an XXXX XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX, TransUnion and XXXX  about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives
Consumer complaint received 2017-07-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DE)

I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product
Consumer complaint received 2020-11-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Consumer complaint received 2023-01-20
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. (IL)

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : 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  these items above should be removed from my report immediately. 
Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: BHA Services (CA)

BHA Services calls numerous times daily using untraceable spoof numbers. In addition to the hundreds of calls they text and leave voice messages. The person who usually calls is named XXXX ; another caller said " This is XXXX. They always call from different phone numbers located in various states. 

One recent call on XX/XX/2021 was received at XXXX XXXX  from XXXX ( not a real # ) XXXX XXXX left a message to call him at XXXX. This is not the first call received from him before XXXX XXXX  or after XXXX XXXX.
Consumer complaint received 2020-10-22
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: ID Analytics, Inc. (GA)

There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.
Consumer complaint received 2024-05-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/year> at approx. XXXX as trustee I called Synchrony Bank/ XXXX XXXX # [ XXXX ] and spoke to rep XXXX intending to provide CD closure upon maturity instructions ( in response to a maturity mailing which stated CD closure could only be done by phone ). When asked the verification question " What was the model of your first car? '' I answered with the only response I have ever given to that question, but was told that did not match the system so I would be required to receive a text message with a link to a multi-step verification process. The process ( which I was told was new ) was excessively time consuming and was repeatedly roadblocked with MULTIPLE failures -- the DOCUMENTATION OF THESE FAILURES IS AVAILABLE IN THE RECORDING of my conversation with XXXX during the process, which I was told will be maintained by Synchrony. For example : the first text link failed and required a 2nd sending, a video of the process required for the next step would not play ( despite multiple attempts at options to access ), the step of a required video led to a message " This site can't ask for your permission. Close any bubbles or overlays from other apps ... '' when no other apps were open. When I asked if there was an option to do the process with email/online, the resultant email simply said the process had to be done by phone or tablet! When I asked if I could speak to a supervisor, I was told none was available, requiring a request for a callback by one within XXXX hours. The only option available was to be mailed a code ( to be called in to a rep for verification info correction ) which would take XXXX days to be sent plus XXXX days to be received.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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 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
Consumer complaint received 2020-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

I am very upset. My rights are being violated, and I can not tolerate this. This is about a Hyundai Capital America account. Here is the account information : Account # XXXX, opened date XX/XX/2017, original balance $ XXXX. 

This company is violating the California Credit Reporting Act. I am demanding a fair solution to this matter Just want to mention some violatoins that they have committed : - Inconsistent credit reporting across bureaus. 
- Failing to investigate account. 
- Unfait business practices. 

Please send the attached documentation to Hyundai Capital America. 

Thank you very much.
Consumer complaint received 2021-09-15
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.