davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2019-03-06
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 (CT)

I applied American express Delta platinum card in XXXX, 2018, for a promotional offer of earning XXXX miles after spending {$3000.00} in 90 days. At the time of application, I did not have this card previously which according to the terms would disqualify the promotional offer. During the application process there was also no pop up window indicating that I am not eligible for the promotion, which I believe is a system that Amex put in place in the past year to let applicants know if they are eligible before deciding to apply.

I met the spending requirements in less than 90 days but did not find the promotional miles posted to my account. After I called Amex I was told that the bonus was denied. The reason they gave me was very vague, just that they have an internal algorithm that makes decision based on account opening and closing history. I went ahead to ask what is the specific criteria but the agent does not seem to know nor willing to discuss. I asked to speak with a supervisor and got the same response. They basically said there is no explicit rules for customers to know if they are eligible, it is completely up to Amex to deny whoever they think should not be given the bonus.

I then asked them when is the decision to reject being made, which they won't gave answer. I also asked if they decide to deny the bonus, why the decision was never communicated to me in any way, because then I can choose to close the account and not paying the {$190.00} annual fee. Promotional bonus offer is one of the important factor to open a credit card, and if that is denied the customer should at least be notified and be given the option to cancel before the annual fee is due. Amex refuse to engage on this question.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-11-12
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. (CT)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2021-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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. (TX)

see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanFlight Lending, LLC (NC)

Mortgage originator XXXX XXXX at Loan Flight- lied to me about rate lock.Verbally confirmed rate lock -theb Sent disclosure showing rate lock with no points. then before closing added 2 points and offered me different rates than what i was approved for and on the original disclosure.
Consumer complaint received 2015-04-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I filled out a house rental application and received a call from XXXX XXXX XXXX saying I was accepted, so he sent over a lease that was signed by him and I signed it and sent back to him. After that he requested I send him a money order of {$1200.00} to his daughter ( XXXX XXXX ) and he will send me the keys. After I sent the money he stopped contact with me and after XXXX days of trying to contact him I called from a different number when he answered I said who I was and he hung up. He stole my money.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2022-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AL)

On XX/XX/XXXX, my Venmo account was frozen after I submitted a payment to my stepfather for a car, I was told to submit documents to prove I was who I say I am. I submitted the documents but then, later on, received an email saying my account was permanently deactivated! I texted Venmo over and over asking why my account was deactivated, I was told that my funds were being held for 180 for loss prevention services! Why would my funds be held for 180 days!! Here it is going on XXXX and my account is still locked and my funds are still being held, I would like to come through you guys as a final step before suing Venmo and receiving my money, Please help me with this as it caused me very hard times since then, I haven't been able to recover and handle my bills on time which has caused so much stress on me, I've even had to go to the doctor!
Consumer complaint received 2021-10-04
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. (MD)

I am a victim of identity theft since XX/XX/XXXX. The information listed in this complaint, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. These accounts need to be closed out by any creditors and collection activity must cease.
Consumer complaint received 2021-02-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

XXXX, XXXX and Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes XXXX Criminally liable. Under 15 USC 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written permission/ consent to report anything on my consumer report. No consent means Identity theft which XXXX  can be held criminally liable XXXX, XXXX, And Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-03-31
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. (NC)

I have a hard inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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 2022-03-31
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: American Credit Acceptance, LLC (NC)

I have a hard inquiry on my XXXX credit report from AMERICAN CREDIT ACCEPT XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

In accordance with the fair credit reporting act 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 2022-03-31
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. (TX)

The credit bureau Experian, are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX.This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian. It was not resolved and deleted from my credit file. They refused to delete this alleged account from my file. I have attached documents to support my dispute showing proof that this debt/ account does not belong to me
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted the XXXX  onXX/XX/XXXX and on the XXXX   or theXX/XX/XXXXto dispute incorrect information on my account.  I received a letter from them that was dated on the XX/XX/XXXX after an agent said he would look into the issue. The letter stated that the information that they reported to my credit report was correct although none of my loans were 60 days late. I then contacted XXXX  twice after, and to no avail.  I was making payments every week, so the loan never had to time to be 60 days delinquent as it was paid before the next month.  Might I add, you can see a copy of my payment information on the XXXX  website.Also, this was never reported on my credit during the months in question, nor was this information reported in the months immediately followingXX/XX/XXXX  I received information in the month ofXX/XX/XXXX, that this was and had been reported to the credit bureaus that month. Also, a letter will be sent on XX/XX/XXXX that contains this information.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (VA)

This collector has called me and made an assertion that I owe a debt, I have no knowledge of.  Now they have obtained my email address and stated the following:Who knows whats next.............Re: XXXXI'm sending this email to discuss an existing commercial business matter.Please call me for further details.Thank You,XXXX XXXXMcCarthy Burgess & WolffXXXX ext XXXXXXXX faxemail: XXXXThis is an attempt to collect a debt by a debt collector.  Any information obtained will be used for that purpose.If you do not wish to receive email messages from McCarthy, Burgess & Wolff, please reply to this email and change the subject line to "Unsubscribe."XX/XX/2018 XXXX XXXX
Consumer complaint received 2018-01-29
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. (MO)

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXXXXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (WY)

XX/XX/22 a credit card at The XXXX XXXX was opened in my name using an old physical address and a current email address. 2 pairs of shoes were purchased online totaling {$46.00} to be shipped to an address in FL. I called customer service on XX/XX/22 and had the card cancelled. I have received confirmation via mail that this account was cancelled. 
XX/XX/22 a credit card at XXXX was opened in my name using an old physical address and a current email address. 2 pairs of sandals were purchased online totaling {$70.00} to be shipped to my old physical address. I called customer service on XX/XX/22 and had the card cancelled. They recommended I report this activity. 
What can I do to prevent this in the future? Can there be a block so there is a holding period prior to approving new credit cards in my name?
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act. 

I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant. 

After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first. 

We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX. 

We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us. 

Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Consumer complaint received 2020-06-22
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: AMERICAN EXPRESS COMPANY (TN)

XXXX charged my American Express card {$2200.00} on XXXX XXXX and did not provide the service. It was a hotel stay at XXXX XXXX in XXXX XXXX, FL I booked the hotel through XXXX   for a stay XXXX XXXX. I heard through a news report that XXXX was taking money and when people arrived at their hotel, there was no room because of no payment. So I called XXXX to discuss my reservation. They put me on hold and hung up on me 3 times. 
Then I called American Express for help XX/XX/XXXX. They assured me Not to worry. However, I still emailed Customer service with XXXX to tell them of the action I was taking through American Express. No response from XXXX. 
AmEx Gave a provisional credit. Then a month ago re-charged my card. I filed another investigation with AmEx, giving them even more evidence of XXXX scam. XX/XX/XXXX AmEx tells me they need more time for the investigation ( 6-8 more weeks ), yet the charge is there and Im paying interest on it. 
I am Worried AmEx is holding out so I will give up. Ive been a member of AmEx 23 years. They are known as the travel card, however I feel other people with different card companies are getting their money credited back. Im a member of a XXXX group called scammed by XXXX, so far on that group page AmEx has refunded no one. 
I also called XXXX XXXX to see how my reservation was listed. She said it was listed as a cancellation by XXXX.