davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MI)

On XX/XX/2023 at XXXX XXXX. I received a text from Macy 's Security Alerts, " Your macys.com email address has been updated. Didn't request this change? Contact Customer Service at XXXX. '' I contacted the number, and they kept telling me they were unable to help me because the email address I gave to them wasn't in their system. This is exactly the issue I was calling about. Someone changed my email and took over my account, making purchases. They finally took my phone number and accessed a portion of my account and said they removed my Macy 's card from the account. I asked them to remove all of the cards associated with the account and they said they couldn't do that without my email address. My husband works in XXXX. There is a way to look up the old email address to see what activity has been going on in an account, even when an email address has been changed/compromised. We kept going in circles. I requested a manager or someone who could understand what I was asking. They disconnected me. I called back, waited XXXX minutes and finally talked to someone who then told me that HE removed my card from the account. Someone had allegedly already removed it from my account the first time I called, so now I have zero faith that the card has been removed. They told me they would send a new card. I asked to speak to a manager/supervisor, and I was again disconnected. I need someone to remove all of the credit cards associated with my Macys.com account.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IN)

I was quite surprised on XX/XX/2023 in paying my first PNC Core account statement ending in XXXX online through PNC 's portal, it advised my payment may not be processed for up to three days. The due date was the same day, XX/XX/2023. 

I can transfer funds through any one of my six PNC accounts with the transfer happening instantly. Why not here? I had no notification of such a delay with an internal PNC credit card payment. 

My first payment was due XX/XX/XXXX. I made that payment before XXXXXXXX XXXX on XX/XX/XXXX. Per the slow posting time stated on XX/XX/XXXX at XXXXXXXX XXXX EST I made a call to customer service at XXXX and PER MY REQUEST I WAS ASSURED NO LATE FEES OR LATE CHARGES WOULD BE APPLIED. 

Per a USPS letter from me to PNC on XX/XX/XXXX, I required that the {$27.00} late fee and {$1.00} minimum interest charge be reversed. 

Per PNC 's USPS letter to me on XX/XX/XXXX, PNC indicated the payment was not received on the due date and the late fee and finance charge were correctly assessed to my account. 

I completely object to this conclusion.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC (MD)

i have sent numerous debt validation letters to Schrier Tolin & Wagman and their client and they keep responding with incorrect responses first they responded with the incorrect information which had absolutely nothing to do with the money claimed i owe i sent a second request they responded with an application no signature ( document attached ) looks manufactured to me this does not constitute debt validation ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Consumer complaint received 2023-05-08
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. (FL)

Your company is willfully furnishing inaccurate information on my consumer report. These errors have caused me a great deal of stress. These inaccuracies have caused me to be denied my basic needs. I am demanding the removal off all the inaccuracies immediately.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable XXXX  and really took a toll on my mental health due to this inaccurate information on my credit report.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AL)

On XX/XX/2023, I remitted a payment via telephone with an agent. I made a payment via check. I inquired about the days of delinquency, I was told by the agent that at the time of payment that the account was at 29 days. She further stated on a recorded line that my account was not in jeopardy of being reported to the bureau as I was making a payment in time. 

Two days later, I received an alert from XXXX XXXX stated that my account was more than 30 days late. I trusted the agent was knowledgeable her job and able to accurately provide the correct information to me as a cardholder.
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: Experian Information Solutions Inc. (IN)

I asked the credit bureaus to do an investigation on my credit report to make sure everything was true and accurate. I received their results back and they were verified as accurate. There is no way they can be accurate when each credit bureau is reporting something different. There are many inaccuracies on my credit report from all three credit bureaus. These are violations of the FCRA. I have included my credit report before I sent the letters and my credit report after the investigation to show all the violations circled.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates (SC)

I got a call from a debt collector a person named XXXX from XXXX something their phone number is XXXX. She left a voicemail saying she was calling about a debt for XXXX XXXX. That person is not me and I have already called and told this company not to call me. That person is my ex husbands brother. I do not want to be called. When I called back the person on the phone was very nasty with me. I told her she is not allowed by law to leave a voicemail about someone elses debt on my phone and she told me I dont know the law. Someone needs to shut this company down they are rude and probably a scammer bc they do not seem very professional.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I got married and my spouse is a member of the XXXX XXXX. 
One benefit to that was that he was able to sponsor me into Navy Federal, for identity purposes. I'll use the first letter of my maiden name " XXXX '' and my married name " XX/XX/XXXX'. 

The DMV 's are still months backed up/behind on appointments due to covid. 
My Drivers License has my maiden name of " XXXX '' on it, my married name is " XXXX '', my social security card has " XXXX  '' on it. 
Navy Federal allowed my to open my accounts with my name of " XXXX  '', even with these discrepancies and said they were not an issue. I provided them with my identification documents, and I was allowed to open the account. 
I've been using their services for 3 months now with no issues, making withdrawals, my card issued has " XXXX  '' on it. 

Without warning, Navy Federal locked me out of my account for security purposes. For no user error, just literally no reason. 

I physically went into the XXXX  Texas location, after days of speaking with representatives telling me I needed to send an email over to their security team with my ID, Social, Lease Agreement, Marriage License, and Utility Bill ( which I did ) to appear in person as well to prove my identity. Their security team denied me access to my account, as well as the staff of the branch ( the same exact branch I was originally allowed to open the account at ) and they are refusing to allow me access to my funds. 

I'm behind on all my bills, I've provided every single identity document that I have to provide, there is nothing more I can provide. Navy Federal allowed me to open the account with these same exact documents, and now are holding my money XXXX, this is absolutely outrageous. Why was I allowed to open the account? I've spoken with 8+ representatives, supervisors, no one is willing help me. I'm not sure what to do at this point. I can not get my ID changed just yet due to covid restrictions, that is not my fault and is out of my hands. I shouldn't have been allowed to open the account like that in the first place if they were gon na lock me out. They have taken zero accountability/responsibility, have not apologized or admitted fault, nothing. They are not willing to help me, they can not allow me to open an account with the same documents they're requesting from me, and deny me from my money. This is absolutely employee/staff error and I'm being punished for it.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give this company permission to pull my credit
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (TX)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-18
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. (FL)

I am writing to have the following information removed from my credit file, the terms that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report.I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX XXXX XXXX XXXX have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXXXXXX XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacyI ask that these be deleted so my credit report only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
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: CBC Companies, Inc. (NY)

Hi my name is XXXX XXXX and I have noticed unauthorized inquiry from Factual Data reported on XX/XX/2023. I don't know who this company is. 
I need this inquiry to be removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

Well Fargo deposit accounts that were wrongly frozen and charged me fees after fees, some one wrote me two business checks, wells took the money and closed out the accounts. Totaling out to XXXX. I was always charged for some type of fee and and charge for things i didn't charge and i couldn't get my funds back.applied other incorrect charges to checking and savings accounts, and improperly froze some accounts several times where i couldn't pay my bills and now its on my credit and i cant open up another checking with other banks. I have actually file a law sue against Wells Fargo
Consumer complaint received 2024-07-18
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. (TX)

I previously notified you on XX/XX/24 that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from XXXX, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XX/XX/24, but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer. 

As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/24. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

{$2200.00} company took the application and did not return the credits applied due to monopolization or redlining of credit report held by Experian, XXXX and XXXX. 

The High derogatory perceptions are debt notes that they are claiming have not been settle but on the record and can not attest to nature of ownership or implication on the applicants intended use of personal credit created by the Equal Credit Opportunity act Considered billing errors on the account Consumer dismisses application with so called creditor Evaluate history or standing of listed creditor mentioned XXXX XXXX
Consumer complaint received 2024-07-18
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. (IL)

This is my refilling to the EXPERIAN. I have reached out to the following accounts below for so many times and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will DELETE the accounts, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am filing this complaint against Experian for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. 

On XX/XX/year>, I uploaded a dispute letter to the Experian portal requesting for Experian to provide information on how they verified the accuracy of the bankruptcy record on my credit report : Court Name : US BKPT CT XXXX XXXXXXXX Reference Number : XXXX However, I did not receive a response from Experian with the investigation results. 
In my dispute letter, I requested detailed information on how Experian verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
Experian 's refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness.
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (WI)

XX/XX/13 I was called by a US Bank number ( us bank impersonator ) ( XXXX ) regarding a fraud charge to my bank account. I was told that they would help me sort out the fraud charge which was described as a wire transfer to XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AL. I gave sensitive info as requested via us bank text messaging system ( XXXX ). I didnt have time to be on the phone so I said I will sort this out with my local bank. Fraudsters became quiet so I hung up and call my local bank asap. Later that day I found out that any phone calls to my number would be transferred to ( XXXX ). 

I feel as though US Bank has done nothing to try and fight this fraud case. My questions include : Why was this wire transfer not flagged? Wouldnt a wire fraud of that amount to another state seem suspicious? Why wasnt the receiving bank contact asap? What constitutes some fraud cases being refunded vs others being declined?