davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (SC)

Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > 50 combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.
Consumer complaint received 2024-02-12
Product: 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 (AZ)

Follow up to complaint XXXX. The company stated that they would deliver relief in the form of a check, but we have not received any communication from the company at all. The .PDF file attached to the original case, mentioned above, contains a shipper tracking number, but when that number is looked up on the shipper 's web site, the correspondence was delivered to an address in New York state, not to my home address which was correctly listed in the .PDF.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under USC 1681 Sec 602 States i have the right to privacy 15 USC 1681 Sec 604 a2 It also states a consumers report agency can not furnish an account without my written instructions. Under 15USC 's 1664b a creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

This letter is to file a complaint against Ally Bank for the way it has handled my EFT dispute which has gone against the procedures outlined in Reg E and the EFT Examination Checklist which is provided in the REG E policy statement provided by the CFPB website. 
On XXXX, I disputed several charges appearing in my XXXX through XXXX statements. I was sent an email and a letter outlining what the bank was going to do and what they were not going to do. 
Chief complaint is that Ally Bank has issued me a provisional credit based on the wrong dates and the wrong amounts. 2nd Complaint, when I brought these errors to their attention by phone call and 3 emails, I have been ignored with no contact at all and when I tried to reach the dispute dept through customer service, customer service, after speaking with dispute dept, informed me that, the dept does not need to speak with me and that they will write to me when investigation completed. I Asked customer service what if I needed to give dispute dept information that may help in their investigation, I was told that I could send an email through the bank message system.

3rd complaint is that the bank never demonstrated nor offered to demonstrate that these unauthorized transfers would not have occurred had notice been given within the 60 day period. They only said that I did not notify them within 60 days of the statements in question.

This dispute is based on Unauthorized transfers not involving loss or theft of an access device. The Timing of Consumer notice to bank is More than 60 calendar days after transmittal of the monthly bank statement on which the unauthorized transfers first appeared which was the statement dated XX/XX/XXXX. maximum Liability for Unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution which in this case would be 60 days after XX/XX/XXXX and before XX/XX/XXXX which is date I notified bank. So my Max Liability would be transfers form XX/XX/XXXX to XX/XX/XXXX approximately. The bank should have sent me within 10 days of my notice to them a provisional credit in the amount of {$5200.00} which corresponds to the unauthorized transfers in the XX/XX/XXXX statement through XX/XX/XXXX. The bank sent me provisional credit from XX/XX/XXXX through XXXX in the amount of {$1100.00}. Again, when I tried to inform them of their mistake I was ignored totally. 
And 4th complaint, Today on XX/XX/XXXX, I was sent an email from them restricting my account access because the account has a negative balance of {$82.00} dollars which I was thinking would be resolved when they deposited the correct provisional credit. 
I am sending copies of all my emails and documentation I sent to them to aid in their investigation.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I already filed a complaint. However, the Comenity Banks response is unacceptable and false. I attached Comenity Banks letter of response to me. Regarding the XXXX account, I have attached the documentation from my bank that disputes Comenity Banks claims. Regarding the XXXX account they have totally missed the problem. The checks for the XXXX accounts were dated XX/XX/2023. The USPS tracking data shows the checks arrived at Comenity Bank in XXXX, TX on XX/XX/2023. Yet, Comenity Bank did not process my checks until XX/XX/XXXX. So, Comenity Bank processed my check nine days after receiving the payment. They then applied late fees to my account on XX/XX/XXXX and XX/XX/XXXX. I attached a copy of the checks with date stamps, the USPS tracking data that shows when the checks were delivered and my billing statement.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > 50 combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (GA)

They said they were closing my account the last time i spoke to them two weeks ago and still nothing. They are playing around to make money off my transfer. They already know that transfer was not Fradulant. Thats why they are not communicating with me. The bank in XXXX XXXX, CA has already cleared that transfer so they have nothing to loose but gain off their transfer. Wicked
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (VA)

My father passed away XXXX. One of his banks is PNC. Myself and my sister were POD. I notified them of his death. Took all the necessary paperwork in and they refuse to give me my share of his money market, savings, cds. anything that is rightfully mine.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NH)

It seems that my Venmo account was hacked approx. 2 weeks ago. I have contacted Venmo on numerous occasions over that time period. The time I actually talked to someone, they said there was " Suspicious Activity '' with reguards to my account, they gave no other details, and that it will be reviewed by their fraud team and that I would hear back from them via email with in 24 hours, that was 5 days ago. My recent contact was with them today and now they say that the fraud team will contact me within 10 to 13 business days! I need this account to run my business! It's not my fault it was hacked, it was Venmo 's, yet I'm being treated like the hacker!
Consumer complaint received 2023-12-18
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: NAVY FEDERAL CREDIT UNION (NY)

I've contacted you all before about applying for a loan with Navy Federal Credit Union. I do not have a problem explaining it again. 
I applied for a loan with NFCU. My credit score was amazing, my income was steady and above average. NFCU had no reason to deny me so they went back XXXX yrs and told me they could not approve the loan because I had a discharged bankruptcy in 2007. 
The representative even laughed at me when I told them this is not right, over XXXX years. 
I am now hearing and reading that the color of my skin my be the reason NFCU has denied me. 
This denial has caused me a lot of problems
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I am a responsible XXXX  with licenses in good standing and bank account ( s ) with Chase in good standing. I have been a victim of identity theft at a time I was hospitalized with XXXX XXXX many years ago. My fico score is XXXX as of XX/XX/2024 on a possible score of XXXX to XXXX, I do not have late payments on any of my accounts, some of which date back twenty to thirty years, I have less than 1 % utilization on my personal credit cards. I received a letter delayed in the mail, on or around XX/XX/2024, in which Chase, in a letter dated XX/XX/2024, capriciously and arbitrariliy and discriminatorily, denied me a simple credit card to manage my finances and consolidate my expenditures. In this letter they stated I have XXXX fico score ( on scale of XXXX to XXXX ), yet still could not approve me even for a modest starter credit card. When I called the number on the back of the letter for explanation XXXX, I was told the Reference No. XXXX was already " archived '' and she was unable to provide any specific information to address point by point to correct and inaccurate records, in regards to the letter stating a vague " a prior credit card or deposit account was closed by Chase '' as the reason for the denial. This was after I had already put chase on NOTICE that I was a victim of fraud and for them to disregard and disassociate any potentially adverse accounts from my name on the basis of that fraud. I have also been an authorized user of Chase ( XXXX XXXX ) and have never been late and managed my authorized user account relationship responsibly.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Company has continued to report the paid and closed account incorrectly to the credit bureaus. Based on previous complaint through CFPB, Genesis Credit Management has expressed written confirmation all reporting for XXXX allegedly owed debts will be removed from all three credit bureaus. However, company has removed from XXXX and has not fulfilled obligation to remove from remaining XXXX credit bureaus knowing the debt is invalid.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. When I checked as usual, these unexpected discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might just be a glitch, but the inquiries remained. I am extremely frustrated and request that the documents Ive sent be thoroughly reviewed so I dont have to face this issue again.
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have contacted Equifax about inquires on my consumer file. The only response that has been provided is the generic " been verified ''. This company refuses to give any details of what was provided and how was the information verified. Equifax has a know data breach of the American peoples personal information yet this company is still able to provided false information. Equifax assumed the responsibility to report information for the consumer no law was passed for this action but yet this company has the ability to operate with impunity. There are multiple inquiries on my consumer report over 2 years old and Equifax still refuses to do what is right by the law.
Consumer complaint received 2024-11-08
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. (OH)

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 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 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

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 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

My social security number was compromised, resulting in the unauthorized opening of a bank account with Chime banking in my name. Additionally, my XXXX debit card was used to make an online purchase without my authorization, prompting the fraud department to intervene and issue a new card. As of now, I am uncertain of any further activities conducted using my social security number.
Consumer complaint received 2023-12-15
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. (PA)

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 has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U5 Code 1681b - Permissible purposes of consumer reports [ a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer 1 am demanding the deletion of the accounts listed immediately These accounts are XXXX XXXX and XXXX XXXX XXXX.. 
there are also inquiries that should be removed because they are unauthorized inquiries which includes XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX.. 


Also there is an address that should be removed as well XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX Please remove these accounts and inquiries With kind regards Thank you XXXX XXXX