davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (AR)

I am submittin this CFPB complaint to request traht the Credit bureaus investigate my Credit File specifically the erroneous accounts that have been reported on my Credit File. Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please correct these accounts from my credit report? 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1800.00} - I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2600.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 

XXXX, XXXX. XXXX Opened XXXX. XXXX, XXXX Balance {$250.00} - I am confident that I have made all my payments on time and maintain records to support this claim. The account name, date of last activity, and balance seem to be misleading, and I request an immediate investigation into this matter. It is imperative that this account is updated with accurate and lawful information, and I expect prompt action to be taken to rectify this issue. 

XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$94000.00} - Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} - - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it.
Consumer complaint received 2024-10-24
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. (PA)

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, 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 a account without my written instructions. 

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C. 1681 s-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 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been a XXXX XXXX  customer of Citizens Bank NA for over four years. I have been fleeced of exorbitant accessed fee 's, some of which are a direct result of their bad banking practices by adding unneeded " services '' to my business account without my knowledge or consent. For example, for the past three years, I was being charged {$20.00} a month for business invoicing... I do not utilize any other invoicing other than those generated through XXXX XXXX thus Citizens Bank was bilking me for {$20.00} a month for four years - that is {$960.00} for which they never credited me back even after admitting their mistake. I have been victim to their re ordering of transactions and allowing direct debits on the account by XXXX for which I never set up a direct ACH payment on this account. Those multiple attempts to process ( over XXXX ) cost me {$39.00} per attempt and another {$30.00} by citizens in OD 's. That is a total of {$1300.00}. I have attached the statements reflecting my deposits over the past four years, the amount deposited along with annual fee 's charged by citizens on said account for that calendar year. To date that number is over {$13000.00}. It is not only unlawful but so unscrupulous. Please review the attached. I have reached out numerous times to my bank manager ( who is amazing ) to the dept of the chair with zero resolve or results. I continue to bleed money in a bad economy, as a single mother with a child in college so I need every XXXX I earn. I'm not here to be a victim of a fleecing institution who could care less about their customers. Thank you in advance for your attention to this serious matter. Citizens is literally bankrupting me a little bit at a time, look at the overall big picture of four years. Thanks
Consumer complaint received 2023-04-13
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: JPMORGAN CHASE & CO. (FL)

2 years ago a credit card show up in my bank chase account appear. 
It was Amazon prime credit card, I have never used and have never even have the card in hand. This credit show in my account I have call the credit card company they told I have to to do the payment even though my address was never on that card and they won't tell what address the credit card was buying on shipping to. The card has a total of {$1700.00} to pay in it. I also called credit bureau they didn't help me. They won't give me information where everything was sending to. I call every month to fix this and it always same issue. They not helping me. This is causing my credit score to go low I can't apply for credit cards because of this. I told them my address and everything but apparently I'm getting no answer and help.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

On XX/XX/2023, I purchased a Vanilla prepaid gift card. I needed ot to rent a XXXX. The person renting me the XXXX forgot to give mw my card back and I did not realize it until I got moved to a different state. When I called to see if they jad my card, he said he couldn't find it. I called Vanilla Card and reported it lost. I submitted all the information needed for them to issue me a replacement card. I called on or about the XXXX of XXXX to make sure they received everything they needed and They said they had everything they needed and I would receive my replacement card by XX/XX/2023. I called on XX/XX/2023 to check the status and they told me they still needed me to submit my proof of address ( which I already did previously and confirmed receipt ) and that it would take another 30 days foe them to investigate after they received my proof of address. I just want my replacement card but I should not have to go through all thia for months on end.
Consumer complaint received 2023-04-05
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. (KS)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXXXXXX transitioned my XXXX credit card to XXXX XXXX  and due to a mistake on their end there was a delay in carrying over the in place monthly automatic payments. This account was never and has never been late. I have kept a 100 % payment history and have, through much work and too many hours, gotten both XXXX and XXXX to remedy the situation but am having difficulty with getting Experian to correct the issue. Please advise on what next to do because I have been working on this for far too long and am at the end of my rope.
Consumer complaint received 2023-03-13
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: Chime Financial Inc (OR)

On XXXX, I disputed a charge of {$44.00} to Chime. I had ordered from XXXX, and was informed by Chime that my card was declined. I then placed another order with a different card, as I assumed the order placed on my Chime card did not go through, but when I went back to the app, I now had two active orders. XXXX refused to cancel either. 
I filed a dispute with Chime on XXXX by phone, followed up by emailed documentation. I consistently followed up for several weeks, but eventually closed my Chime account- my bank informed me that Chime was actually lowering my credit because they won't look at credit built on a prepaid card, nor will most banking institutions. 
On XXXX I followed up, as it had been 270 days since I submitted the dispute. I was told that the dispute had been denied, but was not provided with the documentation for another 5 days. The documentation is undated, and relies entirely upon the response from XXXX. This is a problem because I never claimed the delivery did not show up, what I said is that my card was declined and so the order never should have gone through.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingUSA (CA)

XXXXI have never had an account with this company LENDING USA , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LENDING USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-29
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. (OR)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

XXXX have never had an account with this company XXXX XXXX , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, Equifax has taken 77 points from credit report with no explanation or reason. This is not the first time, on XX/XX/2023 they deducted 55 than again on XX/XX/XXXX they deducted 55 again. I've disputed, I've called no reasonable explanation. I want to report this credit bureau for mishandling my credit report. I'm one week away from closing on mortgage, they've been charged and sued over same situation. I'm a victim to their fraudulent misconduct of my report. I have no debt, and no collections. My credit should be the same as my XXXX report which is 745. They share the same information yet Equifax has taken points multiple times with no explanation nor reason.
Consumer complaint received 2023-03-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Consumer complaint received 2023-04-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

Account was open on XX/XX/XXXX in the amount of {$910.00} for collection. It is currently listed as both a closed and collection account. It also changes the original amount of the account every month ( which cant change since the account isnt open ). I have disputed several times because this account was settled in court on XX/XX/XXXX in favor of midland in the amount of {$770.00} and should no longer be on my credit report. They increase the balance of the collection every month, and report it twice. Resulting in significantly lowering my score which is a violation of the FCRA as it should not be on my report at all, but they continue to verify inaccurate information.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Monday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.