davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
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: Credit Plus Inc (NJ)

I am a victim of an old creditor ( XXXX XXXX ) running my credit without my authorization. In addition, when I disputed the claim the banks response was that I gave a verbal approval, based on past relationship. The initial request from XXXX XXXX ( XXXX XXXX ) to refinance my mortgage happened on XX/XX/2020. My response was no, because at the time I had additional obligations that may have prevented me from exploring this. He asked me if I could send him some bank or pay information and I declined to respond. What XXXX did not know is that at the time of the call, a team member from my job was in the room, heard the entire conversation, and the denial of running my credit. On XX/XX/2020, I received a credit alert from my credit profile that a hard inquire from Credit Plus ( XXXX XXXX  ) had been pulled. I immediately emailed XXXX and asked him to explain why this has occurred and my objection to this unauthorized action. He never replied to the email ( see attached ). On XX/XX/2020 I also reached out to a Consumer Law firm to get advice on how this could occur and ask for support in the matter. Several days of no response from XXXX XXXX and then on XX/XX/XXXX, an erratic message from XXXX stating that he knows I wasn't sure, but you were ok with me checking and that a refinance looked good. On XX/XX/XXXX, he called again begging for me to work with him. I never spoke to XXXX anytime other that the call on XX/XX/XXXX or XXXX, which was initiated by him, stating that I am unsure and I would get back to him on what I decide. XX/XX/XXXX, I wrote a dispute statement to Credit Plus to fix this error, as my efforts with the credit bureaus weren't successful. XXXX responded with false claims that I gave verbal approval, as stated earlier. I am truly disappointed about the power merchants have in reviewing and running a consumer profile at leisure. Then to send this fabricated statement back in response is a second violation of my rights. Please assist me in removing this authorized inquiry from my profile.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Hey, on XXXX I order 3 stethoscopes form home Depot for my school, in same day they send me an email that one of the 3 items have been canceled, after one week they sent me another email to go to Home Depot and pick one of the 2 stethoscopes, and that second one wont be arrive until late XXXX ; because I needed it on that semester ; I called and I canceled the order ; the sales representative ensured me that order been cancelled. At the end of the month I went to Home Depot and I paid for the one I picked up ( the only one I received ). After 3 months they sent me a letter stating that third stethoscope the one I cancel it wasnt cancelled and they kept charging me XXXX $ fees every months. I called the credit card company /Home Depots for hours and days trying to resolve this issue ... no one seem to care. now they asking to either pay or they will send it to the collection agency. I felt I have been scammed ... paying for something I didnt received. I am very responsible person I pay woman I paid my dues on time and work so hard for my money .I have the emails/ payment to back up everything I said ... .. please I need help resolving this matter.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification. 

They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX. 

Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action. 

They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ). 

Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ). 

Thank you for your help in this matter! 
XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I am reaching out in response to an account error that has impacted my credit score greatly. I am currently in the process of buying a home, so my credit is very closely monitored at this time, which is how I received notification of this error on XX/XX/2020. 

In XXXX this year, I called the XXXX visa card customer service to set up automatic billing. I was transferred to another employee because the initial employee said he did not have the ability to set that up for me. The second person said she was able to set up automatic billing for me. She helped me pay my balance down and set up my payments using the card I have on file. 

I found out yesterday from my credit report that the payments showed 3o+ days late as of XXXX. When I reached out to the XXXX Visa card customer care line, a gentleman let me know that the automatic payments were only set up for the following month ( XXXX ), but not set up for payment past that month. However, the employee that I spoke to in XXXX communicated to me that they had in fact enrolled me in the automatic billing, so I assumed the funds would continue to be auto-debited out of my account as they were for both XXXX and XXXX. He suggested that the employee must have " miscommunicated '' to me. On XX/XX/XXXX, I ended up paying off my entire balance because I can not risk an error like this happening again. 

This error has dropped my credit score 15 points, and I am closing on my new home in XXXX, so I wanted to reach out to try and resolve this issue. 

I spoke to several employees to see how we can mediate the issue, but all three suggested that they could do nothing, so I wanted to escalate the issue for mediation. 

Thank you for your time.
Consumer complaint received 2023-04-18
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. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2021, XXXX XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-19
Product: Credit card or 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 (WA)

I have a BlueBird American Express Prepaid Debit Card. Log-in would not accept a saved username and password on a card I have had for 10 years. We changed the password, used it, and then it locked us out permanently holding my minor child 's money ( MY MONEY ) essentially XXXX. I have tried changing the password, I have tried opening a new account, but it doesn't port the money over. There is no customer service to call because it's automated and it only asks me to activate my card as if it is new and it's over 10 years old. I do not have a 4 digit number to give them to activate it because it is not new, then the automated service simply hangs up on me. There is no chat feature, and there is no email contact. This is not a credit card. I have not defaulted on anything. I need to get into my child 's account. They are keeping me from MY MONEY with absolutely no way to reach them. This is my child 's chore money and her card. Don't they realize this is illegal?
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (SC)

My credit card was stolen back in XXXX.. They refuse to send me a paper copy so I can dispute the charges. I have tried but they will not even discuss the account without the pin. They will not send the papers for me to dispute the charges and they ruined my credit! they closed my access to log in to try to dispute the charges!
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XXXX, I called personal line credit about payment was due on the same day. I told them Please Do not take any funds out of the accound because there no funds in the checking account. After they agree to not do that. The next following day they did take out XXXX dollars out for the payment told them not to. 

At the same time this new account was made for reburisment funds for fruad insident. It was not made to pay bills or anything else that has to do with banking. Now the account reads negative XXXX dollars that Wells Fargo inform
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX furniture # XXXX, XXXX XXXX XXXX  : # XXXX, 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 a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX. Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023, XXXX reported my account as 30 days past due while still in XXXX ( i.e., they reported XX/XX/2023 as 30 days late while still in XXXX. Not sure how an account can be marked past due within the same month that the past due amount is reported. This was disputed with all three credit reporting bureaus ; XXXX and XXXX found XXXX reporting to be incorrect, and thus, my credit report was changed. However, Transunion, after providing the same dispute information and proof provided to XXXX and XXXX, TransUnion still finds and reports XX/XX/2023 as 30 days past due. However, they have my account status for the account markets as Current, Paying as agreed. In XX/XX/2023, XXXX received a payment on XX/XX/2023 ; therefore, regardless, a payment can not be marked 30 days past due when within the same month the payment is due. Transunion 's unwillingness to change this account 's payment history demonstrates an unwillingness to protect the integrity of consumer financial reporting. Further, it demonstrates their unwillingness to side with the consumer due to having financial incentives with financial institutions such as XXXX, which incentives them for siding with the institution over the consumer ; how is it that 2 of the three credit reporting firms found reason to change the credit report, whereas Transunion does not when provided the same information as provided to the other reporting companies.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act : 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  XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

This is the third time this year that my checking account was hacked. First time happened back in XXXX of 2023 then the second time happened back in XXXX of 2023 and the third time was today XX/XX/2023. M & T needs to improve their security because the same account shouldn't been hacked 3 times within a 6 month period. I have multiple accounts with M & T including a business account and next time my account gets hacked I'll be taking my business somewhere else.
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-11-23
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. (FL)

There is an address that keeps reappearing on my credit report. There also keeps appearing medical bills that have gone into collection. It belong to someone else with the same last name as me with a similar birthday and likely similar social security. I keep disputing it with the credit reports, most recently equifax. They keep taking it off only to put it back on again. I have contacted the collection agency, i have contacted the original billing people. They have told me that it is not them reporting my information. They pass on the correct information because they don't even have me in their system and have given me the information they do have, which is for someone else. However equifax keeps attaching this persons info to my report. They will not responsibility for their continual mistake. I don't know what else to do except to have to check my report continually and keep disputing. Do I have another option. I have not checked the other credit reports to see if they also have inaccurate info.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closes my college account, which Ive been using for 10 years, for no reason. Im working in an investment bank and having a healthy financial life. This account is the only checking account I have. I did not do anything suspicious. If closed, it will bring a lot trouble to my life. I have to complain Chase on closing my account suddenly.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act : XXXXXXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX # XXXX ). XXXX  XXXX acct # XXXX. XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX acct # ... XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX. acct # XXXX has violated my rights.

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

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.