davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America immediately upon finding fraud purchases on my account, on XX/XX/2022. The fraudulent claim number is XXXX. 

I was given provisional credit on XX/XX/XXXX, that included credits for fees related to the claim in the amount of {$2700.00}. 

I received a letter dated XX/XX/2022, which is 64 days after the provisional credit was applied, notifying me that the {$1200.00} of the provisional credit and any related fees that were credited are going to be removed on XX/XX/XXXX. 

When I called to inquire about why, I was told it was because I didn't report the fraudulent claim in a timely manner. 

Doesn't a bank have 45 days to investigate a fraudulent claim and respond? Not over 60 days? 

Obviously, this is a large sum of money that I was not expecting to be taken from my bank account. 

I've written a letter to Bank of America Fraud department and also to the CEO of Bank of America.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-12-26
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. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (OH)

Experian is refusing to show my auto installment loan correctly gor upwards of 6 months. It shows the account inactive despite being paid every month and therefore robbing me of my experian XXXX credit I deserve for timely payment. I can not add the account and they have made no effort to correct it for 6 months including today. It is unfair for certain consumers to benefit from XXXX features and others not able to get credit for timely payment.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-06-23
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I have sent more then one complaint and still nothing. I reached out to the advocacy group on AES web site and i got in a short statement to bad. I have letters out to them today. I have a letter to my attorney general in my state. I was reading their response and it said to call XXXX XXXX XXXX. You may also contact them via mail at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Well this place has no idea why they still get call about AES to them. So as of today I am going to have to drop my health insurance and house insurance in order to pay the payments which i am behind on. So by doing this i risk a fine and even more. How do they expect me to live? I even have proof this has effected me mentally. this is a joke. i regret going to school
Consumer complaint received 2022-05-01
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. (DE)

In accordance with FCRA XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-11-30
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-05-01
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. (GA)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu *4603 after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (TX)

This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection. 
Enclosed may be additional evidence to support my claim. 


Sincerely,
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (PA)

accounts is still on my credit report they are not mine want the accounts removed account name : XXXX account numberXXXX balance : {$580.00} want the accounts removed account name : XXXX XXXX XXXX XXXX account XXXX balance : {$560.00} $
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

From the beginning Intercontinental Capital Group ( ICG ) loan officeXXXX misrepresented, over promised and made false statements. I began the refinance process with ICG in XX/XX/2021. The loan XXXX was dishonest about the amount of out of pocket expenses I would have if I went with the lower interest rate. He stated I would only have to pay {$400.00} for an appraisal ; however, after receiving a quote there was an additional {$15000.00}. I was specific in my questions regarding upfront cost and the loan officer XXXX XXXX lied. A few weeks went by and XXXX continued to contact me apologizing and expressing interest in getting my business. I decided to give him an opportunity however I needed everything in writing. The amount of unprofessional, poor business practices and lack of integrity I received from the two of you Ive the past month equates to one of the worst business experiences Ive ever had. Before deciding to do business with ICG, XXXX flat out lied to me regarding about rates and my upfront cost. This should have been my first sign that this organization has shady business practices. XXXX was well aware of my current issues with my mortgage company as I explained this on multiple occasions before and after having my credit run and signing the application to move forward. XXXX, you were also well aware of these sand challenges as XXXX claims to have shared these with you but lord Importantly I not only shared the same info, provided written documentation, statements and other info. You both reassured me that there would be no issues moving forward and that ICG would refinance my loan. XXXX, you repeatedly dropped the ball and provided partial information and failed to properly review documents that I sent. Even in our last communication both you and XXXX chose to place blame on my mortage company instead of taking responsibility. XXXX my last conversation with you was a compete low. You said that you agreed with me and that XXXX had dropped the ball. You even went as far as to say you would ensure XXXX communicated with you directly to help move the process alone. The next communication from you is a cowardly email suggesting theres nothing else ICG could do to assist me and again placed blame on my mortgage company. This is flat out unprofessional and one of the worst business practices Ive ever experienced. This is extremely concerning and you both should be held accountable for the poor, unethical business practices. I cant imagine how many other customers you two have failed and lied to while throwing your hands up as if you dont have to be held accountable. If this is representative of ICG this is extremely unethical and in certain goes against the guidelines. The both of you should be ashamed. 


- XXXX XXXX
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OR)

Hey there, Reference # for this case : XXXX. I tried to reach out to US customer service but was transferring to oversea call center, and no one could really help. 

I received a target offer in my business mail to apply AMEX platinum business card and applied at XX/XX/XXXX. It was not instant approved and I called the next day for review. During the review process, I explained my company is a single member LLC ( liability limited company ), and I chose company structure to be " sole proprietor '' so the tax ID is the same as my personal SSN. However, the rep ( XXXX call center ) told me LLC should be a " corporation '' instead of " sole proprietor '' so he changed that and approved the card. 

Not long after I received the card and found I can't activate the card due to " corporation '' required a separated tax ID, and the only solution I was offered is to cancel and re-apply. However, there will not be target offer to reapply the same card. I was on the phone for this issues multiple times and could not even get a US personnel on this. In short, my credit card application was XXXX  by AMEX representative. Benefit lost and time wasted and no one taking responsibility. I am with AMEX since XX/XX/XXXXand I demand an answer to this matter. 

Thanks, XXXX
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

Chase account closed as I was a victim of check fraud from someone posing as a XXXX XXXX someone who identifies as a wealthy older woman who takes care of younger men financially. Checks were sent to me via email in which I was told to digitally deposit them where I found out they were fake the unfortunate way by my accounts closing.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NE)

I was denied credit from the XXXX XXXX XXXX XXXX XXXX XXXX which told me that Experian did not report a credit score for me. Further, I have tried to obtain my credit report from Experian and Experian has asked that I provide personal information such as my birth certificate and bank account which should not serve as bases for credit. 

My right to privacy is being violated.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (MI)

Ive been applying and applying over and over for a long time since the original day of Apple wallet Apple Pay originating I have been denied every single time and I just its gotten to me it hurts my feelings and I dont like it
Consumer complaint received 2021-11-30
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. (GA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX account opened fraudulently. Email with police report and FTC report not accepted. Multiple phone calls never answered. Messages left never responded to. 
Takes at least a week for any email response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I have repeatedly requested Equifax remove these inquiries. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized these inquiries, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-01
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: SELECT PORTFOLIO SERVICING, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose