davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to non-affiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for NAVY FEDERAL CREDIT UNION to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Consumer complaint received 2022-01-17
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. (NJ)

This company did not receive my written instructions to furnish the following accounts on my consumer report. They are violating the Fair Credit Reporting Act by furnishing information on my consumer report without permissible purpose. This company is an elaborate mechanism which has a need to insure they're exercising their grave responsibility with fairness to the consumer. I have not been treated with equity/fairness. These accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have requested from transunion XXXX XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering
Consumer complaint received 2022-07-18
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. (NJ)

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2024-03-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolios Recovery is selling deceptive information to XXXX and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. Portfolio Recovery did not receive any authorization from any court to collect this debt.
Consumer complaint received 2022-01-17
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. (NY)

XXXX I made a complaint with CFPB on XX/XX/XXXX and this information is still on my report. The XXXX account has many inaccuracies but comes back verified and updated. It is missing payment history as well as the ND shows in one of the data files. I've been disputing this account since XXXX, I provided what the account looked like on my credit report in XXXX and the account has been updated and verified and is completely different. It shows that the source for verification is unreliable. I have asked Experian to provide me with the source of where they are verifying these accounts and they failed to do so. 

The account was allegedly open in XXXX and there are no data fields for XXXX represented on the updated and verified report.
Consumer complaint received 2022-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I don't have anything on my credit except numerous of accounts from one company ( ARS ) that has been on there for years, I have not ever received anything about these alleged debts, and many of them even with the same account numbers,
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (CA)

Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, XXXX and Equifax make it exceptionally difficult to access your report. XXXX gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from XXXX and Equifax through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that XXXX and Equifax are closely aligned on their individual sites, and with XXXX XXXX. XXXX initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from Equifax even though they said they had already given it to me. Now, the only way I can get a report from XXXX and Equifax is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that XXXX and Equifax intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At XXXX, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX is selling deceptive information to Transunion and XXXX to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2022, I called American Express to request moving {$5000.00} of my credit from my card ending in XXXX to my card ending in XXXX. Instead, the representative did a balance transfer of {$260.00} between my cards. I have since called American Express four separate times and submitted at least three cases ( # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), the latest being an escalation on XX/XX/2022 via customer service supervisor XXXX. In over a month, American Express still has not corrected this unrequested balance transfer. Indeed, the last time the back office saw my case, they sent it back " because there was no credit on the account. '' Or, perhaps it was because on my second call, I did eventually manage to successfully move my credit lines between my two accounts. The letter I received recently states that I am not allowed to move my credit more than once every 30 days. Who knows what the actual reason is? This is unbelievable. American Express altered both my accounts without my consent and now they are not correcting the issue. Tomorrow, I will have to pay an extra {$260.00} out of pocket to my card ending in XXXX and I am furious. I want them to undo the balance transfer immediately and if necessary, refund me {$260.00}. Please note that American Express and I have recorded these conversations and they know full well that I never requested any balance transfer.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, during the process of attempting to purchase a vehicle, the dealership conducted a routine credit check. To my surprise, they informed me of negative entries on my credit history. Given that I had no prior reason to suspect issues with my credit, this revelation prompted me to investigate further. 

Utilizing the XXXX XXXX application, I meticulously reviewed my credit history. It was during this review that I discovered several accounts had been opened under my name, using my address and Social Security number. Alarmingly, these accounts had already been closed but were showing outstanding balances. 

This unexpected discovery in XX/XX/XXXX marked my first awareness of potential identity theft and unauthorized financial activities conducted in my name. 

( 1 ) Bank of America : Open Date : XX/XX/XXXX - Amount {$5900.00} ( XXXX ) XXXX  XXXX : Open Date : XX/XX/XXXX - Amount {$3400.00} ( XXXX ) XXXX  XXXX : Open Date : XX/XX/XXXX - Amount {$3000.00}
Consumer complaint received 2024-05-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (IL)

I purchased a {$15.00} Google Play Gift Card from XXXX and now I am having trouble using the XXXX XXXX. I have contacted Google, provided them with the necessary information and I still can not activate the XXXX XXXX
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

Hello, my name is XXXX XXXX. Email : XXXX Please release my money it has been over 3 months and all disputes have been resolved. Please also restore my business account since I only sell my own XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-01-17
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. (AL)

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, Experian and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, Experian and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, Experian and XXXX reports that they have verified these accounts are in fact mine. Who at XXXX, Experian and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, Experian and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) fraudulent inquiries on my credit file.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I'm responding to the CFPB complaint that your company responded to requesting additional information. 

I have reached out to the original creditor as well with this information. I have tried in the past to correct this with your company, and have been ignored until I filed with the CFPB. This will be my last attempt to get this removed. If it is not removed, I will be sending this over to an attorney to deal with.

Pursuant to FCRA 605B I am required to provide an FTC Identity Theft Report ( OR ) Police Report, the demand from your office for a police report violates this law. 

You will find attached to this email the following : Drivers License ( front and back ) FTC Identity Theft Report Renters Insurance showing that at the time, I lived in XXXX XXXX. 
The letter your company posted to CFPB website I have also CC'ed the company, Imprint.

Thank you for your timely attention to this issue. 

XXXX XXXX ( This is a copy of the email sent to the company on XX/XX/year> via email XXXX )
Consumer complaint received 2023-06-21
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: JPMORGAN CHASE & CO. (MD)

I met the {$15000.00} spending on Chase Hyatt Card ( ending XXXX ) this calendar year on XX/XX/2023 statement, to be qualified for an additional free night, but not seeing it 4 weeks after qualifying.

Attached is a screenshot of the year-to-date spending report - the spending amount is {$15000.00}, and if you search my account statement, any return and fees did not exceed {$800.00}, thus I have met {$15000.00} purchase requirement.

Chase online credit card benefits page also the card agreement booklet both say the Free Night Award After {$15000.00} in Purchases - " please allow up to 4 weeks for the Free Night Award to be issued ''. ( relevant language highlighted in the attachment ) The information website link is on Chase.com : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/free-awards? chasewebview=false After I made couple of efforts contacting customer service, here are the different versions of the stories that I have been given so far : 1 ) A customer service supervisor said Chase internal procedure document says this free night " should take 6-8 weeks '' to show up. 
2 ) I did not meet the {$15000.00} spending threshold. 
3 ) This is a Hyatt problem, not Chase problem- of course Hyatt says the opposite so that no one can be responsible for it.

Here are my questions that need to be answered officially from Chase : 1 ) How my spending does not meet the {$15000.00} while the spending report shows it's $ XXXX? Please lay out the math so I can understand. 
2 ) When after all will I get the extra free night? right now? in another 2-4 weeks? 6-8 weeks? Or even longer?

3 ) If the card membership agreement and website says one thing, while the internal procedure document says another, should it be characterized as " False Advertising '' and be brought to Federal Financial Committee 's attention, and even be brought to some class action lawsuit lawyer 's attention? 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXX The XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out my written instructions.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/year>, I applied for a payment extension plan, or skip a payment, for the month of XXXX. I was approved, and required a interest payment of {$170.00} that day, and my next payment would not be due until XX/XX/year>. The payment was processed and my due date was updated on their system. Everything seemed fine. 
My payments have always been auto debited from my checking account by Ally, and since the account stated that my next payment of XXXX ( reduced payment due to interest payment made on XX/XX/year> ) was not due until XXXX. On XX/XX/XXXX, they attempted to debit my checking account the full payment amount of XXXX, and it was returned by my bank. Ally once again attempted to debit my account on XX/XX/year> and were successful, causing my account to be overdrawn. When I called Ally, they stated that I needed to have cancelled my auto billing in order for the payments to stop, which was not stated in any correspondence I was given when accepting the payment extension plan. They also stated that I now needed to wait a minimum of 20 days to receive a refund in the mail in form of a check, since they can not reverse payments. I now have an overdrawn checking account which will incur fees due to this, and they refuse to do anything about it.
Consumer complaint received 2022-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. Equifax needs to take this complaint seriously because they are in violation of the law!
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX