davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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. (TX)

ACCOUNTS > XXXX XXXX XXXX XXXX | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > COLLECTION XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ XXXX
Consumer complaint received 2022-04-25
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)

Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below.

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-29
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : 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 2021-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

XXXX posted duplicate purchases in error when delivering a damaged XXXX XXXXXXXX weight set. XXXX  refunded the purchase and only removed one errant charge. The other errant charge in the amount of {$620.00} remains. It also incorrectly reduces my credit limit was does not allow for larger purchases as a result.
Consumer complaint received 2020-07-22
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-04-08
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. (PA)

Hi, my name is XXXX. I am not going through a third party to report this. I am writing to delete the following information in my file. These items are causing me to not be able to build my credit, as well as not allowing me to buy a house. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I was offered care credit while at a dentist office for a procedure. At the time of the procedure the receptionist came to me while I was in the dentist chair and told me that I could apply for a credit card that would help me pay for the dental services that my current health insurance would not cover. I was not offered any information regarding the process of care credit, interest rate etc. I signed up online and would pay each month. Then out of nowhere without any notices I started receiving fees on top of fees with outrages amounts. I contacted the company and they told me it was nothing that could do. My monthly payments increased and an outrage interest was processed onto the account along with fees. It has been a few years since Ive opened this account. The account was then closed without any papers received from the company. They did not make me aware even though I was still making payments. I am now in debt with the company and I am still making payments on the closed account. The company has charged off the account and Im still making payments in full. I do not know what to do about this because I am paying way more money than what I initially agreed to. Ive done my research since this has happened and see it has happened to so many others. Care credit is deceitful and a scam of a company.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

In XXXX, 2020, I was on a XXXX XXXX, with my husband. I applied for a MasterCard to purchase a ring and earrings. On XX/XX/2020, at XXXX XXXX  I purchased the two items ... .however, 20 minutes later I actually returned the ring because it was too SMALL on my finger. The clerk said that if I returned the ring, she would then recharge me for the ring, BUT {$100.00} LESS, so that when I returned home I could take my ring and have it sized. The first transaction was for {$4400.00} ... ..the ring was {$1400.00}. At XXXX XXXX, on XX/XX/2020, I was recharged for this same ring, {$1300.00}. This is background and this is not in dispute. HOWEVER, WHEN THE VERY FIRST BILL CAME IT STATED THAT MY TRANACTION AMOUNT WAS FOR {$5000.00} ... ... .... {$700.00} TOO MUCH. I DIDN'T PURCHASE ANYTHING ELSE AND THEY HAVE NEVER PROVIDED ME WITH A STATEMENT SHOWING THE PURCHASES. I HAVE  REPEATEDLY ATTEMPTED TO CLEAR UP THIS MATTER WITH THIS COMPANY TO NO AVAIL. I HAVE REPEATEDLY ASKED FOR A BILLING STATEMENT FROM THIS FIRST MONTH, SHOWING THE PURCHASES. AGAIN, TO NO AVAIL.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  INQUIRY, XXXX XXXXXXXX XXXX INQUIRY, XXXX XXXX XXXXNQUIRY, has violated my rights. 

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 2020-08-31
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit report act XXXX XXXX  Account number XXXX XXXX XXXX XXXX has violated my rights 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 2020-07-22
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-22
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received a small business XXXX loan from the XXXX for XXXX on XX/XX/XXXX, to help my small business get back on track into my capital one 360 bank account. I attempted to move XXXX, on Tuesday XX/XX/XXXX to my accountants account which is my mother. I received a email that, my account has been restricted for withdrawals and I need to call in and verify information. I called capital one to verify all information needed, I verified all information and questions asked, Then I was informed that my account was turned over to a investigator that I needed to provide my business EIN number and I provided that information. I have been a account holder with capital one since XXXX and have never had a problem. My account is still restricted for withdrawals which means, I can't access my account at all I have no funds or can access any of my funds and all of my funds are in that capital one account. I have a capital one 360 not a saving account there should be no restrictions on my account. I am very disappointed in capital one.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2021 I received a letter with a debit card for a checking account opened with Chase Bank. The problem is that I never opened this account or have any accounts with Chase Bank. I contacted the company and explained the situation. They put a hold on the account, basically froze it, and put me in touch with their fraud dept. They started a fraud claim and told me to file a police report locally, file a report with the FTC. and report it to all 3 credit bureaus. I am in the midst of doing all these things now. I am not sure how my information had gotten hacked and have no lost or stolen cards, home or car thefts, or online hacks.
Consumer complaint received 2021-04-08
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. (AZ)

XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-07-22
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. (CA)

I need to filed a complaint about my citi master card, i contacted them and told me to send the necessary paper work and i did step by step but they still have denied it. education that i had never received they guarantee for me to get my money back. The company is been shut down by the FTC. I paid for this training and paid it off the credit as well. i will like to get my money back.
Consumer complaint received 2020-07-22
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. (GA)

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX XXXX TU & XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX The following items are reporting incorrect status. Please correct the following items : XXXXXXXX XXXX XXXX - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$0.00}
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (WA)

Since XX/XX/2020 PayPal prepaid MasterCard has erroneously blocked my access to my funds. I have been traveling abroad since XXXX of 2020, exclusively using my PayPal Prepaid MasterCard without issues. 

I always notify PayPal Prepaid MasterCard prior to, when/where I will be traveling out of the U.S. to, so that they can anticipate seeing transactions from said country of travel. I have already authenticated my account years ago, however, PayPal Prepaid MasterCard has blocked my access now that I've arrived into a different country. They are now requiring that I authenticate my account again. I've already submitted my approved forms of ID and documentation according to their list of approved documents. I was able to produce a letter from a state agency as requested in their documents list and they still refuse to relinquish the block off of my account for my usage as I'm still abroad, but now in a financial emergency, and I have been in this debacle with PayPal Prepaid MasterCard for over a week. 

They have held onto my money relentlessly and refuse me access to my money, even after I have complied fully to their prerequisites, assurance of releasing the blockage off of my account. 

I'm reaching out, as I need an intervention from another entity to get the resolve of returning my money to me as soon as possible, and allow me to successfully close my account of 3 years with PayPal prepaid Mastercard agency for good. Thank you.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

- In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

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 - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights.

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 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AZ)

Lender requested Escrow. Assigned The Money Source ( TMS ) TMS handles and collects escrow. 
Property taxes for my residence were due XX/XX/2020 with Delinquency date XX/XX/2020. Interest accrual due XX/XX/2020. 

TMS did not respond to email requests and online documents uploads showing Tax payments are due. I am unable to reach the customer service by phone due to excessive wait times.
Consumer complaint received 2020-08-31
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 (NC)

I applied for the American Express card on the website and there was no pop-up and mentioned I am eligible for the welcome offer on XX/XX/2020. The welcome offer is XXXX delta points after spending {$3000.00}. 

In XXXX I called American Express and verified I am eligible for the welcome offer and because of the XXXX, they extend spending time from 3 months to 6 months. 

After finished spending in XXXX, American Express told me it should take them 4-6 weeks to process the welcome offer and the last day I should receive the welcome offer is XXXX XXXX. 

I just called them today ( XX/XX/2020 ) to check on the welcome offer, but American Express told me I am not eligible because of the welcome offer from a different XXXX XXXX. 

I paid a {$190.00} annual fee and didn't receive benefits. I didn't receive a welcome offer after spending money, and American Express didn't tell me I am not eligible when I applied for this card and when I finished spending this card. As a consumer, I feel insulted and tricked by American Express.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (CA)

I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Transunion on XX/XX/year> And asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter? I also attached evidence According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: INTEGRAL RECOVERIES, INC. (WY)

I have received a collection notice from Integral Recoveries of XXXX, XXXX  alleging that I owe {$160.00} to Colorado Dept. of Revenue acct no XXXX for period ending XX/XX/XXXX however, I no longer live in XXXX  and filed my tax return in timely fashion with a REFUND owed to me for XXXX that XXXX  still has not paid. I was forced to retire in XX/XX/XXXX, moved to XXXX  in XX/XX/XXXX, and XXXX   took money out of my pension because they claimed I was still working in XXXX. XXXX  continued to collect tax on my pension in XXXX in violation of law but when you waste so much money as XXXX  does, then you have to harass former residents. I have never hired Integral Recoveries and owe NOTHING. They are threatening to harm my credit record which is an illegal shake down of a senior citizen, and they are fully aware of the lawless behavior of XXXX  under the direction of XXXX XXXX, former director of Colorado Dept of Revenue. Colorado has a part year exemption for income that should have applied to my pension and they FAILED to do so. I owe XXXX  NOTHING. The alleged debt does NOT detail how the debt was calculated but is clearly in error. I am requesting that Integral Recoveries cease and desist immediately, and that they be forced to pay me for my time used to respond to their false allegation of not less that {$150.00}.