davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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: Genesis Credit Management, LLC (WA)

In reviewing my credit report in XX/XX/XXXX, I learned a company, Genesis Credit Management, had reported a debt in XX/XX/XXXX and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and XXXX returned the mail undeliverable. I submitted online disputes with XXXX and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for Genesis CM and have never received any response. I sent letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to Genesis. The online disputes were submitted to the credit report agencies during that time and again recently. XXXX has finally corrected the error and removed from their reporting. I have filed a dispute with XXXX as well. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by Genesis to contact me.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a Citi Priority account on XX/XX/XXXX with a targeted mailer for a promotional offer of XXXX XXXX XXXX miles after qualified activities. I completed all activities on XX/XX/XXXX and confirmed with Citi bank on XX/XX/XXXX. Please see attachment. 

Citi indicated I would receive the bonus on XX/XX/XXXX. I contacted Citi again today and they are now saying there was no enrollment for the offer on my account. This happens repeatedly with Citibank and going through their customer service is useless. 

Cfpb is the only way to force Citibank to honor their offer.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/20 XXXX charged a {$40.00} late fee because my phone payment came in about an hour late after their XXXX XXXX  deadline. The payment was made on the XX/XX/20 deadline. Not sure their fixation with a time deadline, other than a way to scheme an exorbitant amount from consumers. I called the company about waiving the fees they refused.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I signed up for XXXX Premium Family, when I signed up my profile name was changed to my wifes name, I was unable to utilize the full features of my membership under my ID. Ive been working with customer service since XX/XX/XXXX to fix this issue, on XX/XX/XXXX I closed my account at the recommendation of customer service but that didnt fix the issue. Now Im finding out that my credit report is locked, Im not able to obtain any new credit because of this situation. Escalation ticket number XXXX was opened on XX/XX/XXXX but there has been no effort from Experian to date.
Consumer complaint received 2019-02-02
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. (FL)

I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-05
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. (MO)

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX, XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase Auto , charged-off my auto loan around  XXXX . Insurance and GAP insurance made the payment after the charge-off. The account is no longer a charge off as it 's been PAID IN FULL.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Overdraft fees are being charged on this account, for many years, even on one-time debit transactions, though I have never opt-Ed in or out of overdraft protection. 

This is a business checking account that has been continuously active for more than 10 years..over the years I have made some financial errors causing my account to be overdrawn. As a result, i have incurred a lot of overdraft fees. 

I have recently learned that the Overdraft Protection Law of 2010 states that since I never opt-Ed in to overdraft protection, these fees should not have ever been charged. Im not proud to say that over the years, this has probably happened over 100 times, so I am looking at a few thousand dollars that has been illegally been charged. 

My bank has told me that because this is a business checking account, that they are required to pay these transactions. However, in my research, I do not see any special rules for a business account versus a personal account. 

Again, this is happening on all types of debit transactions, including one time transactions. Some, but very few of my fees have occurred due to automatic payments and checks, which according to my research, are the only types of transactions that a bank is allowed to charges overdraft fees on, when a customer has not opt-Ed into overdraft protection. 

My bank will authorize and pay for nearly any transaction, even if there are insufficient funds. Many times I have made a purchase thinking I had sufficient funds when I did not. My account will then be negative with these pending transactions, and as long as I fund the account before those transactions clear, I avoid the overdraft fee. However, sometimes I am unable to fund the account in time, and this is when fees occur. The majority of my fees are a result of this process.
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

This Company National Credit System is in violation of the FDCPA for continuing to report on a Fraudulent debt on my credit report. I have already notified the credit bureaus over this matter, and also sent out a cease and desist letter regarding this matter. I have know knowledge of this debt and it is frivolous.If you all do not stop Harassing me I will be forced to proceed with further litigation in small claims court!
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (KY)

In XX/XX/2018 I filed a complaint with this company and they claimed to have placed my parents numbers on a Do Not Call list. Yet my parents are once again receiving repeated and harassing phone calls discussing my debt. 

Not only have I asked XXXX XXXX to stop and they have not honored that, they have taken to calling from multiple numbers at all hours of the day, 7 days per week. This is harassment and an invasion of my privacy. Any number you are calling needs to stop IMMEDIATELY as it should have almost a year ago.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-02-02
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: GreenSky, LLC (NJ)

During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.
Consumer complaint received 2019-02-04
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. (TX)

I contacted Equifax about my credit report and I noticed there are tons of fraud on my account and I never applied for a loan or did business with these people and my ID and my social security card was stolen and i fax a police report/and identify theft report FTC and Equifax refused to honor my request and the investigation took more than 90 days and I havent had those accounts deleted/removed off my report such as XXXX XXXX XXXX XXXX  balance amount XXXX XXXX XXXX XXXX XXXX XXXX balance amount {$820.00} XXXX  XXXX XXXX balance amount {$220.00} XXXX XXXX XXXX  balance amount XXXX XXXX card balance amount $ credit limit is XXXX XXXX XXXX XXXX balance amount {$500.00} XXXX  XXXX XXXX balance amount is {$2000.00}
Consumer complaint received 2019-02-01
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only  excuse is that the company didnt reply. Please help.
Consumer complaint received 2019-02-02
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: I.C. System, Inc. (TX)

IC System, Inc., a third part debt collector, is reporting a collection account for XXXX in the amount of {$390.00}. The state of Texas requires debt collectors to be bonded. IC System, Inc. does not possess an active bond in the state of Texas and therefore does not have the legal authority to collect debts in Texas, or report those debts to Credit Reporting Agencies. 

Accordingly, I demand that IC System, Inc. immediately cease all attempts to collect this debt from me, as well as delete the account with both XXXX and XXXX. 

Per the Texas Secretary of State 's website, Debt Collector Search tool, IC System Inc. 's surety bond in Texas was cancelled XX/XX/2004.
Consumer complaint received 2024-08-12
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: Open Dealer Exchange, LLC (CA)

I did not Authorize this hard inquiry in my credit report and I have been doing research the FCRA ( fair credit reporting act ) this need to be removed. 
Institution Information XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XX/XX/XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2019-02-02
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. (NC)

In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (CA)

I applied to XXXX XXXX apts and was denied due to criminal and eviction on my report. This information is not only incorrect but due to a law put in place in the XXXX XXXX  XXXX I can not be denied housing due to a criminal record. This screening company Resident Verify not only had incorrect information about an eviction but they pulled my criminal record for something that happened over 10 years ago and was sealed due to me being falsely accused.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am in Mississippi. I had a Credit card with Capital One and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to XXXX XXXX and a different person from XXXX XXXX calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.
Consumer complaint received 2023-08-15
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. (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 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 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This problem is new added to the prior report made in this company during the time a report is investigation. CFPB report # XXXX. I made a payment to walmart during the investigation process CFPB is conducting. However, walmart sent an e mail that payment has not been received. That indicates that fraud is open and they disregard the complain prior placed with CFPB. I have the receipt that I paid. as stated on report # XXXX. I handed XXXX dollars to a cashier at walmart and only XXXX were added to my XXXX card. The case is obsolete. I feel exploited in every way. 
I have the recipt. Not at hand at the minute I am typing this report, but I can posted at any time.