davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

The company Navient is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NE)

American Express sent my card to an old address, therefore it was returned to them. Around the same time, I had changed bank accounts and forgot to switch over funds to the bank account before the payment was pulled. The payment was attempted twice, then returned. I then got a notification that the account was closed. And despite my excellent payment history, and explanation to multiple customer service agents, they still refused to reactivate my account due to my FICO score, which should not have even been pulled again in the first place since I had already been approved, and had the card for a year.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I wanted to open a high yield savings account after we made proceeds from a XXXX  home sale so we could grow that amount to help purchase our dream home in XXXX  in a couple of years. I researched various banks and products and decided that the CIT Savings Connect best met our needs with 4.6 % APY and mobile banking/check deposits. I applied online during lunch today, XX/XX/2023, during XXXX weeks of military duty from my govt computer. I entered all the information and submitted all of my sensitive data including occupation and Social Security number, etc. Seconds later I got a screen saying, " Unfortunately we are unable to open an account for you at this time. Thank you for your recent application for a CIT bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No other explanation at all, and I have phenomenal credit -- around XXXX currently. XXXX XXXX XXXX I called the CIT customer service and she told me that it typically happens if there was a work computer or VPN involved. Itold her I used my .mil computer and she said that if I used my phone or personal laptop it would accept it. A few minutes later I did exactly that -- and got the same error message. Again with no explanation.
Consumer complaint received 2023-06-10
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. (AZ)

I recently sent a letter asking for a fraud alert to be placed on my consumer report. This letter is due to the fact that several fraudulent inquiries forgot to be removed. 
Please remove this inquiries I am no liable for. 
XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX I have attached the identity theft copy. 
Thank you for your help in this matter.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

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 U.S. 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. I 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 I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

today at XXXX XXXX on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.
Consumer complaint received 2024-10-31
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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 2023-08-03
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. (NY)

In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. 
I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. 
I sent two letters, one with instructions and the other about the soft inquiries, see attached files..
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices.

PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit

le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA
LLC to provide FULL DISCLOSURE OF YOUR PROCESS.

I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I pay my acount in full with comenity bank, after pay them in full they went back and starting to charge me interes on XXXX  balance account, my account was set on outo pay but they also starting to charge late fees on interes charge on XXXX balance account. This had affected my credit because they reported this to my credit report, and event after I ask to close my account they refuse to close my account and continue charging interes on XXXX balance account.
Consumer complaint received 2024-10-31
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. (NC)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over a year ago, I decided to take charge and purchase a home for my family and was told by close friends to pull my credit reports ( which I had not checked or done for several years prior ). Once I pulled my FICO scores and checked my XXXX with XXXX XXXX I was shocked to see such a low score and delinquent accounts under my name and social security number for my TransUnion report. Over the course of several back and forth disputes done following the full dispute process and submitting identity theft and police report and having it approved, I got most of those fraudulent and delinquent accounts off my TransUnion report. However, two charge-off accounts by XXXX XXXX XXXXXXXX and XXXX XXXX , both of which I have never opened a credit card with. Both those accounts were opened fraudulently, without my consent or knowledge and used and destroyed my financial reputation without me even knowing. I am frustrated beyond explanation as I have continued to send disputes to TransUnion to delete the accounts from XXXX XXXX XXXXXXXX and XXXXXXXX XXXX as they are not mine and I have supplied plenty of relevant and supporting documentation in order for those fraudulent accounts to be removed as it is identity theft and I have sent TransUnion that identity theft report prior and they have done absolutely nothing to delete the information and block it from being re-reported according to FCRA laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XX/XX/XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (FL)

On XX/XX/XXXX I added {$200.00} to account to cover an XXXX purchase. {$31.00} came out which should have left a balance of XXXX. The balance reflected {$43.00}, which is incorrect. I made multiple attempts to contact Cash App to correct this issue. I was told they had technical difficulties between XXXX and XXXX where transactions were approved but the amount wasnt taken from the balance. This isnt possible considering this is a prepaid account. You can only use the card when money is available to spend. The company has provided no documentation to clients to make them aware that there were any issues with the app. Agent disconnected the call when I requested to speak with a manager. I never keep money on this card and only add money when Im making a purchase. I will add the amount to cover the purchase, and Ive been doing this since this account was created. Theres no reason my money shouldve been taken out of this account. I want a refund and then I want to close this account permanently. This is fraud.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 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 2023-08-11
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. (MI)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
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: Global Lending Services LLC (MD)

On XX/XX/2023, I requested documents from Global Lending Services and I have not received a response for the request. The letter is as follows and will be attached. 


I am requesting information for Account XXXX XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. 

Respectfully, ( My name )
Consumer complaint received 2023-06-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX - ) XXXX Balance : {$530.00} ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX, XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I went to a car dealeships to inquire about a new car. The sellers told me they they going to do a soft pull on my credit. they did a hard inquiry on my credit and also did a couple if days after. This cause my credit to show too many credit inquiries. This inquiries were not authorized.