davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (KS)

A Purchase showed up on my US BANK credit card in the early morning hours of XX/XX/year> in the amount of {$64.00} from XXXX. I contacted US BANK credit card fraud department on XX/XX/year> to let them know I did not make this purchase and started a claim. I requested the account to be closed immediately and send me a new card. US BANK would not close the card till I paid off the {$64.00} and when I did would close the account on XX/XX/year>. US BANK requested more information and always said they were looking into it. I never had a new card sent due to the unresolved matter with the last credit card. I think once I closed the account and US BANK was paid they no longer looked into the matter. I contacted US BANK multiple times and they would say the claim was reopened and someone would contact me in XXXX hours. XXXX BANK also said to contact XXXX and have them reverse the charges. I did try to contact XXXX and you never can speak to a live person on chat and they would not reverse the charge. I did not make this purchase or receive anything from the purchase but did pay {$64.00} for nothing. US BANK was contacted again on XX/XX/year> and the claim is still under review and someone will get back with me.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I have XXXX credit accounts with capital one, mostly because they changed the services after I had already gotten a card with them. I've been trying to keep up but am legally XXXX and have XXXX and XXXX, so I spend a lot of time in the hospital. When I got behind they started calling. Not once or twice but over XXXX times a day, every single day including weekends. I'm exhausted with the XXXX flair up, I've asked them to give me some time to recover. I can't get the sleep I need and I'm stressed all the time. This has been going on for over 3 months, every. Single. Day. What can I do? No matter what I say or how many times I beg them to stop its constant.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Wife went to store to buy groceries for us and our children and her card didn't work. Went onto bank account and there were no cards on file. Called the bank and they have informed me they closed my account but will not provide information as to why and will not allow me to have access to the money I had in it before they closed it. I need to be able to pay my rent and feed my children.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Conn's, Inc. (TX)

To whomever it may concern : I am writing regarding an issue with the way you are reporting this account on my credit file. I have noticed that your company has reported to the bureaus that my account was charged off. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note, or other instrument bearing my signature. 

CONN CREDIT CORP Account Number : XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

CONN CREDIT CORP Account Number : XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE!
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This account has been charged off. However, I did not authorize this company to report this this information on my credit report.

According to 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. 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.

18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OH)

I paid my REI Credit Card bill of {$370.00} to Elan Financial on XX/XX/2022. The REI credit card account was then taken over by XXXX XXXX. XXXX XXXX began sending me a bill saying that I never paid my bill. Ive made calls to Elan Financial and theyve stated that they sent me a refund check that I never cashed and their records show the same. They refuse to reissue a check or better yet, transfer the {$370.00}. I have spent XXXX hours trying to resolve issue with Elan and XXXX. I have cooperated with ELAN and opened investigations and sent all necessary documents and they still refuse to refund my money that they state that they are holding and there is nothing they can do. Both will not resolve the issue. Elan has my money and REFUSES to cooperateI am beside myself.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.
Consumer complaint received 2023-07-29
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: General Motors Financial Company, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

One main ran a Hard Credit on my credit file.

I did not apply or request any credit from ONEMAIN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for ONEMAIN XXXX XXXX XXXX this appears on my credit. 

IT also impacted my XXXX XXXX for something I did not apply for in which was credit.
Consumer complaint received 2021-01-13
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. (GA)

ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME XXXX XXXX REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX  AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER XXXX YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.
Consumer complaint received 2023-07-30
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. (IL)

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.

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 2023-07-29
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. (PA)

Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. Experian stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of 2016. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and XXXX.
Consumer complaint received 2023-07-14
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)

Hello, my name is XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. Thank you for your immediate attention to this urgent matter. 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. BANK OF AMERIXXXX XXXX XXXX 2. BANK OF AMERIXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

While reviewing the contract I noticed the incorrect date of birth and stated. The representative asked me for date of birth and my drivers license in order to correct on their end in order to state it was in fact my debt. I refused. 

XXXX  XXXX XXXX is unable to verify they have correct NAME, Date of Birth, Social number Written request has been requested and company has not complied per FDCPA.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc. (LA)

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has no mechanism for contacting a representative to change my email address on file with them, and my old email connected to a former employer is tethered to my name and person info. 

They automatically send a reset to the old email address, effectively giving anyone in IT at my former employer full access to change passwords on the account. 

To tether things to an email address seems to me to be a violation of privacy. Consumers should be able to call and use DOB/Address/SS # to reasonably regain access to their own personal data.
Consumer complaint received 2023-07-14
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have 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 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. 4 / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.
Consumer complaint received 2016-02-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: American Credit Resolution, Incorporated (NJ)

On XXXX XXXX, 2016 I was contacted on my mobile phone and work phone by XXXX XXXX from American Credit Resolution XXXX XXXX ) XXXX. He was supposed to be a debt collector for XXXX Payday loans. I owed XXXX a debt of {$150.00}. ACR claimed they were calling to collect the debt, threatened that a courier would be coming out to my workplace or home to deliver a subpoena to go to court. He was asking for a total of {$3000.00}, because the {$150.00} had accrued a high amount of interested. I told him it was no way I was paying that and the only amount I would pay was the amount I owed. We agreed to settle at {$180.00} as long as the payment was made that day. I then proceeded to give him my debit card information and the funds were taking from my bank account on XXXX XXXX. I may have given him my social security number, however I can not recall. I really believed he was representing XXXX, because I was aware that I had an outstanding payment of {$150.00}. This guy new everything about me and the loan I had with XXXX. On XXXX XXXX I received a phone call from XXXX trying to obtain the {$150.00} payment. I advised them that I paid it on XXXX XXXX with American Credit Resolution. They then informed me that they have their own inside credit collections department and would never use a collection agency to collect their debts. They also mentioned that several of their customers mentioned being contact by ACR. When ACR withdrew the funds from my back it was listed as American Credit Resolution XXXX XXXX XXXX XXXX XXXX. I have since changed my bank account and debit card information.