davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and XXXX. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (MS)

I called Direct Express explained that I thought my card had been compromised and wish to get a new card. I explained that I was visiting a relative but wanted the replacement card sent to my home address. I gave them the address. After almost 10 business days I called to find out where my replacement card was. I was told wait 2 more days and then call back. I received the card on the 2nd day of waiting and proceeded to try and activate. That was 3 days ago. I still have not been able to get through to activate. In the mean time I receive a letter telling me they had shut the card down because of activity. How do you have activity with an inactivated card? I have been on the phone for now 4 days and waiting I might add 45 min, 1hr 45 min, 56 min, I hr 13 min, 2hrs 17 mins, and more! I finally get through explain to them that I had received the letter and promptly told that I would have to get an verification code. I explained I had borrowed my cousins phone and couldn't remember the number. I had tried so many times to get them I was panicking that they would hang up and I'd lose my opportunity. Well they asked questions that I might add I find a privacy issue. I couldn't remember one of the answers and told them repeatedly I didn't know and was told its yes or no. Needless to say I picked the wrong one and couldn't even discuss my card. Again 2x today I have tried to call on hold right now as we speak have been on hold for 42 minutes this time. I hate that they have the power without notifying me to shut my card down. I hate that because some person somewhere else tells them I lived somewhere I can't remember that I can't discuss my card but they can shut it down. I hate the fact they will not answer the fricking phone!!!! Here it is XX/XX/XXXX and I have been all week trying to resolve what ever situation they dreamed up and can't get through. My check comes the XXXX. Holiday weekend. Can't get through. What has happened that they have all the say so over my money? This is unacceptable!!! Who the XXXX do they think they are? Please, do something about them this has happened to me numerous times and everyone that has a card I've talked to. I want to switch but told it will take two pay checks, who can wait 2 checks? Please PLEASE! Do something about them.
Consumer complaint received 2023-06-29
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. (TX)

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 : # 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 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 2023-07-02
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: EQUIFAX, INC. (WI)

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXXXXXX XXXX XXXX XXXX : XXXX XXXX2 has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and thus I am submitting this complaint. Someone has used my information fraudulently in an attempt to open accounts using my social security number and my identification. I request that the following item be immediately blocked from my credit report. They must be removed in order to show my true credit history as well as score, as these items should not be on my report to begin with. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ), I demand that the items be blocked immediately. 

Since 4 days from receipt of this communication is your allotted time under Federal Law to block these entries, it should be understood that failure to do so within a 4 day period constitutes reason to promptly delete the information from my file. Refer to ( FCRA 15 USC s 1681i ( 5 ) ( A ) ). Please refer to the following accounts : Equifax Report... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX XXXX credit card which I am unable to use. I have been paying {$100.00} a month for over a year but the amount owed never goes below {$700.00}. I have had several issues with Comenity Bank and I really can't deal with them. I'm XXXX XXXX XXXX and every time that I have called them my XXXX and XXXX XXXX elevates.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (MN)

I was mailed an acceptance offer through the mail from Regional Finance in XXXX Alabama. If I cashed it I accepted the loan money on their terms. I took out an extension and ended up moving to another state. I live XXXX miles away from their office now and have been doing research on the Cesti que act. I know that all loans are already paid. I asked the ladies in the office earlier this week to mail me a remittance or payment coupon, to which both women I did ask, stated they did not mail out statements. This is a violation of USC 1693o-1. I was certain the USC code would mean they have to mail me one of those coupons. I have the address for their headquarters based in XXXX south Carolina, so that's where I am going to send the 1099-A, 1096, and 1040V. But I was wondering if anyone would be willing to check my code listing to see if that code applies to my particular situation. If it does, why wouldn't they be able to send a coupon by mail to my new address.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I used a XXXX XXXX ATM at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serviced by XXXX ) using my US Bank debit card, to withdraw {$900.00} on XX/XX/. The ATM malfunctioned, I did not receive my cash, and then I received a receipt showing money was withdrawn from my account, money that I never received. I went to US Bank first thing the next morning to lodge a complaint. Now almost a week later and heading into the holiday I have not received my money back, nor any word from US Bank regarding the status of my complaint.
Consumer complaint received 2023-07-01
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX , CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The corporation Capital One card company keeps on making me offers on my application for this card the Capital one XXXX card. I apply for this cars twice and I was denied if I keep getting denied and a security was made on that application I can not be denied for my own extention of credit. 

These applications are extension of my credit which can not be denied. I am willing to drop this complaint if the Capital One credit card would reverse their decision and give me my card thankyou.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This complaint is about Bank of America disclosing sensitive beneficiary information by adding it to the addressee line of mailed correspondence. 

I recently updated my bank of America checking and savings account with a designated beneficiary. Subsequently, to my shock and dismay bank account statements arrived in the mail conspicuously displaying the name of my designated beneficiary right along with mine as addressees. From my perspective this unnecessary and unwarranted disclosure of my beneficiary is an outrageous breach of confidentiality. Accordingly, I immediately lodged my objection by email addressed directly to Bank of Americas XXXX, XXXX XXXX. As a result, I was contacted by representatives from the Executive Response Team. Unfortunately, the representatives didnt seem to have a rationale or remedy for the breach. Apparently, their sole purpose for contacting me was to affirm that the beneficiary addition to the addressee line of correspondence is Bank of America policy. 

At this point, I am left with the impression that Bank of America chooses not to acknowledge the potential for harm that could ensue from their unauthorized and unwarranted disclosure of sensitive beneficiary information. For me personally, this willful disregard for beneficiary confidentiality is entirely unacceptable. However, I want to afford Bank of America ample opportunity to reassess the impact of this intrusive policy before I take further action. 

My expectation is that Bank of America will expeditiously review and adjust its operation to actively safeguard my beneficiary information. In particular, taking the necessary steps to ensure that my beneficiary information is not viewable from outside the envelope of any correspondence, and confidentiality is preserved going forward.
Consumer complaint received 2023-07-01
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. (GA)

I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and Experian so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I called Chase about a month ago because I had 3 charges to my account that were causing an overdraft that I didnt make. They told me to lock my card and they would resolve the issue but soon after my account was closed permanently due to suspicious activity and I cant open an account with them or anywhere. They wont tell me why and I quite honestly dont understand whats happening
Consumer complaint received 2023-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

I have had a PayPal account for over 20 years. As of XX/XX/23 I have nearly {$1300.00} in combined my PayPal and PayPal savings account. I had just transferred {$1000.00} to the PayPal savings account on XX/XX/23 and a month later PayPal decided to " limit '' my account and block me from accessing to my own money. 

I was on the phone with four representatives for almost 2 hours to get an explanation. Not only did they not explain why this is happening they refuse to transfer my funds back to my bank. They made an arbitrary internal decision with no warning and no discussion with me before freezing my accounts. This is modern date theft where a XXXX XXXX XXXX company steals from ordinary citizens.
Consumer complaint received 2023-07-01
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX PL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-29
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. (MI)

I received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC (PA)

Previously complained that Celtic Bank/Continental Finance had charged off the account and sold it to a collection company. They refused to send me a 1099. The collection company has gone out of business. They were supposed to delete the account from the XXXX credit bureaus, but they did not.
Consumer complaint received 2023-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing this in response to a recent communication received from Capital One, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to XXXX XXXX XXXX. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to XXXX XXXX XXXX, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with XXXX XXXX XXXX, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted. 

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since Capital One claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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


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

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.