davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (GA)

On or about XX/XX/2020 I had to have XXXX to remove my XXXX. On or about XX/XX/2020 I had a payment to come due and could not pay it due to me being out of work from my XXXX. So I spoke to one of the ladys at One Main in XXXX, SC about my payment and what I needed to do about it and she told me that I could do a partial payment on the payment that was due as to which I did. Then on or about XX/XX/2020 I had a payment come due with the same company so, I spoke with them on this matter and they granted me a partial deferment payment on my account. Then in XXXX of XXXX I was still not able to work all that much due to the pain that I was going through and what money I did make I had to pay other bills to keep from going under. I did go back and see my doctor and they sent me to a XXXX were I found out that I have XXXX XXXX which is why I am still having problems. The XXXX that I seen that found the XXXX XXXX has put me on light duty work for an unspecified amount of time.Then on  XX/XX/2020 I received a phone call from my doctor telling me that I needed to go be tested for COVID-19 because one of the ladys in there office tested positive for it. Now I am out of work until I get the results back.So I have not been able to pay on my account for 2 months because of not being able to work that much and other bills needing to be paid also. Also my bank account has closed due to it being compromised so I have no way to pay my bill online. This whole time they have been calling me about this sometimes after XXXX XXXX, and I have informed them of the situation. Well on XX/XX/2020 I received another phone call after XXXX XXXX and spoke again with one of the ladys at the XXXX, SC office about this issue and she informed me that I needed to let some of my other bills go to pay them or my account was going to be turned over to collections. They are asking me to pay {$410.00} immediately but, I do not have it because I am out of work now, and do not know when I am going to be able to return to work due to this.
Consumer complaint received 2021-08-06
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Removal of Fraudulent addresses To Whom It May Concern : On XXXX/XXXX/2020 I received a copy of my credit history report from Transunion.That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX  XXXX, Fl XXXX
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I reached out to XXXX/comenity about a bill i received on XX/XX/XXXX and XX/XX/XXXX. I had been in contact with another bank because I recieved notice that a new account had been openend with XXXX under my name. 

I told the bank I hadn't used the card in years and last time I tried to use it, XXXX had told me it wasn't actice anymore. 

I let them know I hadn't used my card and i didnt make any purchases with XXXX XXXX 's at that time. They told me they'd open a case for the charges. I asked of I needed to do anything on my end like file a police report and they said it wasn't necessary to do that. 

Just recently I received a bill saying the charges will still active and being billed to me. I called the bank back and all they said was their investigator said that XXXX XXXX 's said the card was physically there and the charges were being billed to me. They said they'd resubmit to see of anything comes back different but that they didn't think it would change the results. 

They never reached out to me to verify my picture to see if it matched anything or my signature. They also never contacted me afterwards with anything relating to the fraud case they created.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-18
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-04-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX, I opened three business accounts with Bank of America. I was told I would be able to transfer money between the three accounts, etc. The issues I have with them are : 1 ) The very first check I deposited into one of the accounts, they held the funds for 10 days, telling me that it was customary because my account is new, and that they were getting information from my customer 's bank that the check may bounce. 

2 ) The second check I deposited, they also held for over a week. 

3 ) I could not, and still can not, transfer any funds between my three accounts. When I try to do so, the bank says I don't have any accounts to transfer between. When I tried to set up one of the accounts as another BoA account to transfer to, the message is that I am the owner of the other account, so I can not do that. So, I wrote a check from one of the accounts to transfer funds to another. I was then told the funds would be held for 8 days, because they are getting info that " the check may be returned!!!!! '' This, despite the fact that I am staring at the money in my account, and they have already initiated the deduction from the payment account. 

I have had many bank accounts in XXXX, and I have NEVER ever had any bank not provide service it claims to provide, and a bank that holds on to my funds for over a week every time. 

I believe that I am being discriminated against, because I am an XXXX. I can not imagine what other reason there would be to hold my funds for well over a week. Can it possibly take that long to clear a check? And how can a bank say my own check could be bounced ( which makes their first message that my customer 's check could bounce, very suspect ). I would like to know why the bank gets away with holding on to my money for no reason, and why the bank can disallow me from transferring funds between my own accounts. 

I have emailed my " relationship manager '' multiple times to complain about this, but she has not bothered to respond to my emails.
Consumer complaint received 2022-05-02
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. (VA)

This Company XXXX is in violation This Credit bureaus stated my account was properly investigated but how is it that possible if the open date is inaccurate, the date last is inaccurate and the reported is no accurate. This is ground for removal they Als violated my rights under 15 USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 Section 604 A section 2 It also state a consumer reporting agency can not furnish. A account without my written instructions
Consumer complaint received 2022-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

in accordance with fair credit reporting act XXXX  account AD ASTRA SERVICES # # XXXX ... . COUNTY OF XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX # XXXX ....XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX, has violated my rites under 15 usc 1681 section 602H states i have a rite to privacy 15 usc 1681 section 604H section 2 also states a consumer can not fernish mynaccount with out my writen consent XXXX XXXX secured loan. on XXXX i filed a dispute with all 3 credit beruaes and 2 of the 3 changed my account to debt included in XXXX XXXX bankcruptcy and the account still increases by {$18.00} every month even thought 2 out the 3 report it as included in bk i have disputed many times and nothing has changed only 2 have made it bk on there agency All account numbers are partials.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

Regarding Dispute XXXX. 

Citibank is in blatant disregard of Regulation E and has not provided my account provisional credit related to a credit card dispute, within 10 business days. On XX/XX/2021, Citibank sent me a letter stating the following : " A review of our records indicates while investigating your dispute, we inadvertently issued two conditional credits for this charge. To correct this error, an adjustment to reverse one of our credits will appear on a subsequent statement. '' The above statement by Citibank is inaccurate and I was not issued two conditional credits in error. I have two charges for {$820.00} to XXXX XXXX XXXX on my credit card account and neither is authorized. 

I have tried to resolve this error with Citibank on numerous occasions through contacting them by phone and email. Each representative I have spoken to on the phone has advised they also agree the provisional credit should be reapplied and they'd get it corrected. 

My contact with Citibank is outlined below : On XX/XX/2021 - Called Citi to as when provisional credit would be re-added and was advised it would be corrected. 

On XX/XX/2021 - Emailed Citibank to follow up on error. 

On XX/XX/2021 - Called Citibank and again was promised the error would be corrected. 

On XX/XX/2021 - Emailed Citibank stating the error has yet to be resolved and if the credit was not received, I would file a complaint.

After four attempts to rectify this issue, Citibank has not applied a provisional credit to my account and is in blatant violation of Regulation E. Citibank has shown a deliberate disregard for Regulation E and their dispute department is either understaffed or undertrained.
Consumer complaint received 2021-01-25
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I did not authorize these items XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours Sincerely, XXXX XXXX
Consumer complaint received 2022-12-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent my legal tender of payment to Capital one. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They closed my accounts and blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note and the only signature on it. Capital one is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have paid the entire balance of a credit card, and the payment is cleared through the bank. The cash is already sent to the credit card company from the bank. The payment is being withheld from my available balance and there is a woman who has contacted the credit card company saying she has the authority to make decisions for my accounts, stating that the card should not be allowed to be used. The entire balance is paid with no withheld money from the form of payment to the credit card payment processing center. I have never had an issue with payments, and my available balance is normally for use the day of my payments. The person withholding the available balance is an XXXX XXXX XXXX XXXX. The bank has been abusing me and I have been a victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp. (FL)

I have 4 different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a XXXX balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.