davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (IA)

CreditKarma said I had 100 % outstanding approval odds for a Personal Secured loan for {$10000.00} for XXXX. It instantly denied me and put a mark or whatever its called on my credit. I feel as though I was guaranteed this loan by the way it was advertised and feel I should not get hit on my credit for this. Its in a way false advertisement of a loan offer. I would like my credit fixed from this hit if possible. Typically someone trying to get a somewhat small loan like this is because something has come up to where they need the money now and will pay it off later. An emergency. In which I was told 100 % outstanding approval, but got denied. I learned my lesson about CreditKarma and would like to have this hard hit removed. XX/XX/2024. This occured on this date.
Consumer complaint received 2021-01-21
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: DISCOVER BANK (OH)

The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

The Account : DISCOVER FINCL SVC LLC # XXXX
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NV)

on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.
Consumer complaint received 2022-08-13
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. (NC)

In a accordance with the fair credit reporting act XXXX XXXX XXXX XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section XXXX causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-21
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: AMERICAN EXPRESS COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica (MI)

I HAVE CONTACTED COMMERICA BANK AND WITHOUT AN CARD ENTERED MY SSN AND STATED MY LAST FOUR CARD NUMBERS ARE XXXX. CONTACTED DIRECT EXPRESS ON XX/XX/2021 AS ESCALATION AND PROVIDED CHECK NO. XXXX XXXX AND WERE TOLD I WILL RECEIVE CARD 7-10 DAYS. I CALLED LOGIN SERVICE PUT IN MY SSN AND STATED MY LAST FOUR ARE XXXX BUT SPOKE TO TWO REPRESENTATIVES INCLUDING XXXX VERY RUDE NOT TO TRANSFER ME TO SUPERVISOR. THEY SAID THAT THEY COULD NOT LOCATE MY ACCOUNT. IT APPEARS XXXX SSA ARE STILL GIVING MY BENEFITS TO XXXX XXXX XXXX XXXX AND XXXX CARD.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (KY)

I am a XXXX XXXX in XXXX Kentucky. I applied to become a XXXX to earn extra money. I was denied due to a credit check from Checkr. I would like the information from this report to find out why I was denied. 

My life depends on my background check. If I have bad information on one I need to know so I can clear it up. I have done nothing wrong. I have never been in jail or have any criminal records.
Consumer complaint received 2022-08-13
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

Last year XX/XX/2019 open bank account other one open in my name that just opened need be close I need fix my credit sores on my name is an way you can help take off The charges that were made to my account but I never did them
Consumer complaint received 2022-08-13
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX  XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WA)

In XXXX of XXXX automatic payments were set up to pay XXXX XXXX XXXX XXXX for 12 months to pay an ambulance bill outstanding for XXXX. Because Im retired and on a fixed income I asked if this amount could be lowered. They agreed but said there would be fees. They sent me the paperwork which I filled out and sent back for a lower payment of XXXX. In XXXX I received a precollection notice stating that my payment hadnt been made. All this time theyd been receiving the initial auto pay of XXXX as the lowered amount hadnt been processed. I called back to find out what happened and a young man looked up my account, apologized and agreed that my new amount had indeed been processed and was now {$51.00}. I modified my auto payments based on this call. Since then Ive received a collection notice and phone call saying I wasnt making payments. I refused to argue with the collector in XXXX of XXXX but then received another collection notice on XXXX XXXX. I called back XXXX XXXX and was told my auto payments had been denied.
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (PA)

I found on my credit report from Equifax that XXXX XXXX  XXXX XXXX  did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, Equifax had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me XXXX. Then they called and said because they noticed I was a federal employee that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2022-08-13
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)

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated My Right..

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In the process of trying to qualify for a deduction of my student loans, The Department of Education transferred them to XXXX. My credit report now shows double the entries for the same loans on my Experian credit report. I have disputed the entries twice, the last response being today XX/XX/, with no changes made. Their refusal to investigate and resolve this error have caused my debt-to-income ratio to falsely increase.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (TX)

Kingston Data and Credit International Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Tel XXXX Fax XXXX www.kdcii.com Please be advised that your overdue account with XXXX XXXX ( XXXX XXXX TX ) has been placed with our company for collections. This is an attempt to collect a debt and any information obtained will be used for that purpose. We request that you call us upon receipt of this letter toll free at XXXX to speak with our office and make payment arrangements, or pay online at www.kdcii.com/payments. 

We are a debt collection company. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any potion thereof, this office will obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing, within 30 days from receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

Failure to pay this account or contact us within 30 days after receiving this letter will result in further collection activity. 

If you would like information by SMS text message, text CONTACT to XXXX and we will communicate with you by SMS text message. 

" This communication is from Kingston Data & Credit International Inc., a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Regards, XXXX XXXX - Receivables Manager Direct Line : XXXX Email : XXXX ( XXXX ) Pay By Debit/Credit Card : Call XXXX or go to www.kdcii.com/payments/ Pay By Mail : Kingston Data & Credit International, XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Please call XXXX to report your payment. 


Re : Creditor -- XXXX XXXX ( XXXX XXXX TX ) -- {$1000.00} Date of Debt XX/XX/2018 Current Balance -- {$1000.00}
Consumer complaint received 2020-05-15
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. (PA)

XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXXXXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

US BANK looked into XXXX XXXX XXXX  taking money from our business account credit card- provided a provisional credit and then closed the investigation over me not contacting them fast enough. I appealed and spoke to 'higher ups ' and they still denied to help with the fraud stating it was XXXX who puts the time frame. I had to confirm services were not being rendered. I had to confirm the last date services were rendered to determine when charges should have stopped then reach out to XXXX XXXX XXXX. I needed time to finally get in touch over the phone and then email communications with XXXX XXXX XXXX XXXX and wait for him to not send a refund. XXXX said on XXXX separate dates he put a refund check in the mail. Coming from XXXX XXXX XXXX After the second time- I knew I needed to contact my bank over it being a legit fraud case. It is around {$30000.00}. They did the provisional credit- then reversed it when they said they were closing the investigation and on the same letter US Bank then threatens that if we do not make the payments due on our account they will report us to XXXX reporting agencies. If there is a time limit they knew from the beginning of me reporting this case and they should have never issued the credits as all that did was put the company in a bind and have our XXXX asking a lot of questions. XXXX XXXX XXXX XXXXas blocked us from communication and social media but is still active. I also now know it's XXXX and his Mom and the XXXX would not respond to any correspondence. Now XXXX has changed his company to his name and uses a XXXX XXXX as his picture and not the cartoon picture of him that he used with XXXX XXXX XXXX  but XXXX XXXX XXXX is linked to it. It also no longer says XXXX but now XXXX, XXXX XXXX employees. He is getting away with scamming.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX I opened an account with Ashley Furniture and they used Synchrony Bank. I was not supposed to be responsible for any payments until I received the items. I did not get any items and got charged. On XX/XX/XXXX I went in person to Ashley Furniture at XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) and spoke to the Manager, XXXX. The interaction lasted 38 minutes and 10 seconds and is recorded. In the recording you can hear the Manager, XXXX, state he closed the account under " Manager Approved Exception. '' He also told me to contact their Guest Response Team at XXXX. On XX/XX/XXXX at XXXX I called the Guest Response Team. I spoke to " XXXX '' for 38 minutes and 23 seconds and it is recorded. In the recording you can hear the representative close the account and create a ticket # XXXX regarding the rug that was showing in their system as delivered even though I never received the item. I have file 2 complaints with the CFPB concerning the unethical business practices and inaccurate credit reporting. Both times Synchrony Bank has refused to acknowledge they are billing me for an item delivered to someone else. On my credit report, It is showing the account as " open '' when I have 2 recorded conversations from 2 different people in 2 different departments stating the account has been closed. I received a typed response to my CFPB complaint stating they closed the account on XX/XX/XXXX and listed the account as " closed by grantor '' even though I have recorded conversations on 2 separate days requesting the account be closed. As of today, XX/XX/XXXX, Synchrony bank is still inaccurately reporting to the credit bureaus. I will be pursuing legal actions against Synchrony Bank because of their violations and con-compliance with all applicable laws and regulations.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX