davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

i went get a car loan and the company applied to several companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Incorrect reporting, Not correct social security number, with this Capital One reporting. The other credit Bureaus have been informed and removed the reporting yet XXXX  still remains as negative, false and wring information Capital One debt, is not associated with this Social Security number
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

I never received a clear information regarding the policy of the card. Salesperson at the store was not knowledgeable about the term of the credit card the store offer. I totally mislead about the option of the policy. Their agent told me I can requested a credit limit increase after few months without need a hard inquiry in my credit score.  So after applied for the credit increase was no sign of hard inquiry pull for the card. In addition the credit limit increase wasnt reflecting the amount I requested. I have a very good credit and I care about it. What this company have been doing to customer is no right and should be fix. I want a credit limit increase to average corresponding to my income or the hard inquiry on my credit remove.
Consumer complaint received 2023-03-02
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. (AZ)

I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to Experian and that one was, XXXX XXXX XXXX XXXX  and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXXXXXX XXXX XXXX XXXXXXXX accounts with XXXX and one account with Experian and XXXX XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with experian
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-02
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. (IL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: LoanCare, LLC (WA)

XX/XX/XXXX-XX/XX/XXXX we were in a modification agreement for our home. We made all payments as requested and responsibly per agreement. Then in XX/XX/XXXX I received a notice of trustee sale foreclosure. We then obtained an attorney and won the case due to the loan care servicing center not honoring their original modification agreement and intern they would correct our credit score rating as they indicated we were delinquent on our payments so we would be able to refinance our home. Since then I have worked with our attorney and filed several complaints against the in accurate information reported on our credit reports stating delinquency without success and now are facing another foreclosure incident. We also lost a small business operating under a rental agreement due to the Covid medical situation which has put us into a financial burden. If this had been originally fixed we would be able to refinance and continue making payments please help us obtain the correct information so we are able to refinance and remain in our only resistance.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-03-04
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. (MI)

XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached two statements proving I paid on time and extra and request they remove tthis late payment and update it to current.
Consumer complaint received 2022-07-17
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 ()

I signed up for PayPal to receive payments for my online Business and also pay for my stuff using the same platform. On the XXXX of XX/XX/2022, I added my credit card details to my PayPal account and was charged {$1.00} for adding my card and was still charged {$1.00} to verify I was the account owner the verification money was never returned to my card of PayPal Merchant XXXX. I gladly provided the files required all was fine then I clicked on the home page I saw my account has been permanently limited. I feel misjudged and I really want my account back
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX, I made a transaction with a company called XXXX XXXX. The company stated in order for me to receive a refund, I needed to cancel the service within 3days. Service was cancelled the same day and the company agreed to refund me the amount of {$380.00}. I filed a dispute on XXXX in regards to a charge of XXXX from a merchant XXXX XXXX APARTMENTS. I filed a dispute because the merchant stated in XXXX they will refund me the amount and i should wait 30days. After waiting until the end of XXXX and not receiving the check, I contacted Webster Bank to inform them of the situation and told them I would like to dispute the transaction because the merchant stated they will refund me and never did. 

Webster Bank initiated the dispute and provided me with provisitional credit. 

In XXXX I received a call from XXXX XXXX stating they will not be refunding me anymore because they received documents from Webster Bank stating I was disputing the transaction. Mind you I have back and forth emails between the merchant and I. Merchant kept lying to me stating they were mailing me a check and didn't. 

On XX/XX/XXXX, {$380.00} was debited from my checking account from Webster Bank in regards to my dispute. They stated my dispute was denied because I didnt provide the documents they requested. I informed Webster Bank that I never received any documents from them because I am currently not at the address they sent the documents to. I explained to them I go to school in a different state, ( TEXAS ) and I am currently in Texas until XXXX. I told Webster Bank I wasn't aware they were sending me documents. I proceeded to update my mailing address after I gave it to them previously. I requested they reopen the case since I never received the documents they sent me. 

On XX/XX/XXXX at XXXX I spoke to XXXX in the dispute department she informed me the dispute that was reopened was denied because I didn't send the information the first time they requested. I informed her again that I never received the documents! She proceed to tell me there's nothing she can do and I need to contact the merchant. The merchant told me because I disputed the transaction, they can not send me the check anymore. But the same Merchant previously lied and told me they already sent me the check back in XXXX but NEVER DID. 

On XX/XX/XXXX I faxed Webster Bank informations between the merchant and I. I faxed them email of me requesting my Money from the merchant and the responses from the merchant as well.

Now {$380.00} is missing from my account and the Merchant is refusing to refund it now and Webster Bank IS TELLING ME there's nothing they can do!
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-03-02
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. (TN)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Consumer complaint received 2023-03-02
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. (CT)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2021-06-03
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

I got a Best Buy card in 2017, I was offered for a 0 % purchases for 18 months so I got 2 articles, since I was told that I was going to finish my payments on time to avoid any interest. I set up my monthly payment at that moment and 3 years after I found that Im paying interest charged not sure when since Im not able to access the statement. I was not able to get information or any details when I called, I spoke to a supervisor and no information was provided so I havent used the card, Ive never received any statement or call or letter and I have a debt of XXXX in interest
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have on multiple occasions reached out and disputed a collection listed on my credit report with convergent outsourcing Inc as well as XXXX   and XXXX. The two credit bureaus keeping sending me back that the debt has been deemed verified but it is not. I have absolutely no idea about this account and it can not be verified as mine by the credit collection agency. I spoke to a representative at Convergent Outsourcing named XXXX in attempt to verify this collection. I advised her that it is not mine and I have no idea about it. I asked her to send me a copy of a contract or legal document bearing my signature. I was advised by her that they don't have anything with my signature or anything to validate the account is indeed mine. She said they were just tasked to collect and are doing so. She went on to advise me that she did not need to validate any information to collect a debt. I then contacted the credit bureaus back for the third time to advise them of my conversation with the collection agency. I advised them that they can not validate my debt so therefore how could the collection agencies. They advised me to call the collection agency to deal with it. Mind you not on three previous attempts I mailed dispute letters to both XXXX  and XXXX  to disputed with no resolution. I am entitled to a complete and accurate credit report and this collection violates that. I am asking for assistance in rectifying this as it is not my account.
Consumer complaint received 2022-07-17
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

CARE Credit credit card. Used only for XXXX/XXXX  etc. offices : When I was at XXXX XXXX office and was told that I needed XXXX XXXXXXXX in both XXXX  and had to pay before XXXX date, the XXXX  staff explained to me that if I could not pay the XXXX in cash I could apply for Care Credit credit card and if I paid all of the Promotion ( s ) on time I would not be charged any fees or interest charges. The first month bill I was sent to my home there was a so call card Security fee {$39.00} & no interest charges for that month. I then proceeded to call the XXXX # I was told that I could not request to remove the charge $ I then asked for a supervisor and instead of being transferred to one, very rude. I took the bill to the doctors office and XXXX XXXX staff ) who opened the account for me told me she would call the bank. XXXX call me back and she said she talked to a supervisor and not to worry. That never happened. I have charges every month.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (GA)

I had received a debit card from citi bank and it didnt work for a while and I called support to see what was wrong with it after a day or two my wallet is stolen and my card was in their and atm withdrawals were made that obviously look fraudulent and I opened a case about it to get my mine replaced I reported the card stolen Ive done everything I know to do and my case keeps getting denied and Im in dire need of my money being replaced it has put me in such a finically stressful situation please can you help me in any shape or form.