davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (NC)

The Credit bureaus stated that the accounts reporting on my report were investigated but how is that possible if dates, addresses, and names are inaccurate. This is grounds for removal. Furthermore, they have violated my rights under 15 U.S.C 1681 section 602A which states that I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions. 

Also the Credit bureaus took more than 30 days to complete my investigations, here is my certified mail trackings # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (UT)

I received a {$200.00} American Express gift card as a referral bonus from my son 's college housing apartment complex. 

The valid through date was XX/XX/year>, but the online information from American Express says that it can be replaced if expired : https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called on XX/XX/year> to replace the card and was told by two different agents that it can't be replaced and that it expires. I was very frustrated by this, but I decided to make a purchase that day just to use the funds rather than try to get a new one. 

I attempted purchases at XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, as well as attempting purchases through XXXX XXXX  ( which have worked for me with this type of card in the past ). All were declined. I called their customer service line multiple times and was told every time that there wasn't an issue with this card and to try it at a different retailer, but it does expire with no replacement. I finally gave up. 

Not only was I misled about the card not expiring, but the card didn't work during the time it was supposed to work. I'm out {$200.00} and lots of wasted time due to the misleading information on the website since they do not give replacements like they say on the website.
Consumer complaint received 2023-04-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-17
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. (TN)

I've been in constant dispute with the credit bureaus for almost a year now and have yet to get have the inaccurate accounts on my credit report removed. I recently sent in a letter on XX/XX/2022, once again asking them to verify these accounts and have yet to receive a response back. I feel like I am being taken advantage of and have been throughout this whole situation. I've been getting ignored for months on top of months and it is leaving me no other choice but to take these matters to court if the issue doesn't get resolved. Thank you for helping me with this matter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I checked my credit using the XXXX XXXXXXXX XXXX, and I noticed 3 inquiries from a company called Credo. After researching, I found it was XXXX XXXX. They did a hard inquiry on my credit on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 

This is causing damaging effects on my credit. I did not authorize Credo or XXXX XXXX to pull my credit. 

The company can not provide me with information, so there is an error on the part of the company or the credit bureau.
Consumer complaint received 2024-03-06
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: Kikoff Inc. (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has repeatedly called and sent letters to collect on a debt. The debt is over 7 years old and does not show on my credit report. I have asked for the company to annotate in their system that I will not be paying and to stop calling me. I receive 5-8 calls a day from them. I have no intention of paying the debt and just want them to stop contacting me.
Consumer complaint received 2022-06-17
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. (OH)

XX/XX/2021 I notified credit bureaus seeking verification on 3 bankruptcys that has been reported. XX/XX/2021 credit report stated that the verification was verified from bankruptcy court. I went to Bankructy court in person inquiring on court reporting to credit bureaus pertaining to bankruptcy. Court gave me letter stating that the court doesnt not report any information pertaining to my case. XX/XX/XXXX, I sent the credit bureaus a copy of the letter that I received from bankruptcy court stating that the credit reports was untruthful and I asked the bureau to remove inquiries, however they did not. # XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: 21ST MORTGAGE CORP. (CA)

Only document we received says " Consumer Loan Note-Security Agreement and Disclosure Statement Do not Close before XXXX XXXX.Shows amount Financed {$77000.00} annual percentage Rate XXXX % Finance Charge {$83000.00} Interest Rate XXXX  %, Principal and Interest {$680.00}, Est. Taxes and Insurance {$93.00} Estimated payment {$770.00}. Contract signed by Husband and wife on XX/XX/2023. Lender signed XX/XX/XXXX, XXXXOn We made XXXX separate payments on XX/XX/2023 for each in the amount of {$770.00}, Payments made XX/XX/2023, XXXX, and XX/XX/2023 which was for the XXXX payment. On XX/XX/2023 we received a copy of Approval Notice dated XX/XX/2023 showing payment to be {$810.00} loan amount $ XXXX.The amortization they sent us starts Due Date XX/XX/2023 and they claim they can not go back and generate a correct amortization schedule. As of to day no 1098 has been received even though I have requested several times.To date have no correct documentation that gives correct date of loan, correct terms, a correct amortization schedule or a 1098 form showing amount of interest and fees paid for 2023 so I can complete my tax returns for 2023.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (AR)

All the information on the account to see if I could figure out who was scamming me.turns out the phone number on the account was my mothers, XXXX XXXXand she opened an account without my acknowledgment.The same number on the account thats is now putting my credit score down and making me in debt, is the same phone number linked with my mother XXXX XXXXsadly the only person I know to have all my personal information like that.
Consumer complaint received 2023-04-05
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (TX)

Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA
Consumer complaint received 2022-06-17
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. (MN)

The unverified accounts indicated below continue to report on my credit report despiteseveral written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Consumer complaint received 2023-04-05
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. (MT)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$4400.00}
Consumer complaint received 2022-06-17
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. (OH)

XX/XX/2021 I notified credit bureaus seeking verification on 3 bankruptcys that has been reported. XX/XX/2021 credit report stated that the verification was verified from bankruptcy court. I went to Bankructy court in person inquiring on court reporting to credit bureaus pertaining to bankruptcy. Court gave me letter stating that the court doesnt not report any information pertaining to my case. XX/XX/XXXX, I sent the credit bureaus a copy of the letter that I received from bankruptcy court stating that the credit reports was untruthful and I asked the bureau to remove inquiries, however they did not. # XXXX
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My debit card was skimmed a few weeks ago. The perpetrator used my card to withdraw money by using the cashback from XXXX XXXX times and the ATM. The total amount withdrawn sums up to roughly {$8600.00}. I filed numerous claims to Chase regarding all of unauthorized transactions. I also filed a report to the XXXX Police Department. 

All of the claims resulted in denial, due to the fact that the debit was in my possession and that the card and pin number was used. I have evidence proving that I was not at the location at the time the debit card was illegally used. I also have a rare history of using my debit card to withdraw money from the ATM and have NEVER used it at a XXXX location. I did not shop at a XXXX using my debit and my credit card as well. 

I also did not receive any fraud alerts of these repetitive transactions that occurred. Yet, Chase is not considering any of the above.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

I took a trip to XXXX XXXX and booked a hotel only they never had a room for me. I received nothing so I'm asking for the charge to be reversed back to me. 

XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX - {$120.00} These charges I've discovered now and I have no knowledge of these cahrges being made by me because I've never heard of these places : XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX {$51.00} XX/XX/2022 XXXX XXXX, XXXX, XXXX - {$520.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX - {$69.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$160.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - {$100.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$210.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$50.00} XX/XX/2022 XXXX XXXX, XXXX- {$40.00} XX/XX/2022 XXXX XXXX, XXXX {$23.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX {$200.00} I ask for all these charges to be reversed back into my account as I did not receive anything from any of them. My card number must have been stolen and used. I feel so much of my money has been stolen. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-17
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: United PanAm Financial Corp. (PA)

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 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting Act, Dept of XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX AND XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXX, I deposited a personal injury settlement check in-person at a Chase Bank branch . I was told that the check processing would begin on the next business day, XX/XX/XXXX, and I was given a number to call to ask to have my check hold released. I called the number on XX/XX/XXXX and was told that it was too early to have the check hold released, and was told to call back the next morning if I did not yet have access to my funds. On the morning of XX/XX/XXXX, I did not yet have my funds, so I called the phone number once again to inquire about having my check hold released. I was told that the issuing bank ( XXXX XXXX ) had put an alert on the check, causing the hold to remain until XX/XX/XXXX, and that Chase could not override the alert. However, the representative advised me to contact my attorney 's firm to see if someone there could contact XXXX XXXX  directly to have the alert removed. I did just that, and XXXX XXXX  released the funds to Chase that same morning. Once my attorney told me that the funds were released, I called Chase back to ask again about having the check hold removed. After being told the hold could be removed by XXXX representative on XX/XX/XXXX, and again by another representative on XX/XX/XXXX, this time I was told the hold would remain until XX/XX/XXXX. I asked if the hold was going to remain even once Chase received the funds, and the Chase representative said yes. This made no sense to me as the check was a cashier 's check and the funds were coming from a client trust account. I also asked for more information regarding how Chase verifies check funds that are sent to them, and the representative said she could not tell me that information. Lastly, I asked if part of the funds could be released while I waited for the hold to be removed, and my request was denied. Overall, it's been a very frustrating few days as I was told by XXXX Chase representatives that the hold could be released once the funds were verified and received, but then I was later told that the hold was not going to be released. Now I have to wait until XX/XX/XXXX to receive my long awaited settlement funds, even though Chase has already received the funds on their end.
Consumer complaint received 2022-06-17
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. (MS)

In Accordance with the fair credit reporting act XXXX  account number - XXXX account name XXXX XXXX XXXX XXXX XXXX  XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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 2022-06-17
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. (MS)

In Accordance with the fair credit reporting act XXXX account number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (VA)

I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.