davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB (DC)

In XX/XX/2024 I stayed at an XXXX for XXXX nights and I paid using the payment plan company Klarna. I used the entire XXXX stay, but on the morning I was leaving I found biohazards on the mattress I was sleeping in and requested a refund from XXXX who denied me. Because I felt that XXXX violated their terms and conditions I initiated a dispute for the amount that I paid. The first dispute was for the original payment I made to Klarna for roughly {$98.00}. While waiting for a decision on this dispute. I continued to make my agreed upon payments to Klarna. As well as continue to communicate with XXXX requesting a full refund. This dispute for {$98.00} was approved. I then initiated a dispute for the final 3 payments that I made while waiting for the resolution. This dispute was for a total of {$380.00}. XXXX denied this additional dispute and XXXX XXXX took the money from my account on XX/XX/2024. Before I received information that XXXX made a decision regarding my secondary dispute, XXXX finally agreed to provide me with a full refund for the stay. This was XX/XX/2024. I believed at the time that every would be fine and my funds would be finalized in my account. On XX/XX/2024 I reach out to XXXX XXXX, who told me to reach out to Klarna who told me to reach out to XXXX. XXXX provided receipts with confirmation numbers showing they sent the money back to Klarna on XX/XX/2024. Klarna alleges that on XX/XX/2024 they sent 3 transactions totaling {$380.00} to XXXX XXXX in response to the transaction disputes I initiated. I asked Klarna to provide me with a receipt with a confirmation number or transaction number. I was informed by Klarna representatives that they do not provide or have that any receipt or confirmation to provide. XXXX XXXX informed me that they did not receive any funds from Klarna in relation to the transaction dispute. Klarna says they will not provide a refund as they already returned the money during the transaction process. I provided all the information to XXXX XXXX and they have stated multiple times that there is nothing they can or will do to further assist me in this matter. 

This a secondary complaint in relation to Complaint Number XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-08-30
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 (NJ)

On XX/XX/year> I responded to an email invitation about a loan that said it would not impact by credit score. I never completed the application. Never confirmed my email as they requested, never formed a password. Decided not to apply because they could not tell me an interest rate without checking my credit report which I did not give consent for them to do. They asked for financial information ( bank statements, pay stubs, etc ) which I never submitted. They DID ask for the last 4 of my SSN right from he start which I provided. They obviously already knew it since it automatically pulled up and inserted all my personal information ( name, address, phone, etc ) to this " application. '' I spoke to a " supervisor '' who would only provide her first name " XXXX ''. She said nothing could be done because I " applied '' online rather than by phone or in person. She was at a location an hour away from me ( a " local '' branch? ) Turns out there are none in my county ). 

I filed a complaint at nj.gov Division of Consumer Affairs and filed a formal complaint which I told " XXXX XXXX I would do. I faxed my complaint with 18 pages of emails and texts from every bank, credit bureau, cards, etc saying there was a HARD inquiry on my Credit Report even though on the very first page of website and in the email it says it would NOT impact my Credit score or be reported to credit agencies.. Their main office in Indiana does not even provide a fax number for me to send it all to them.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom this may concern : XXXX XXXX XXXX XXXX. 

All Minor custodial accounts are to be Transferred to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX no government agencies or financial institutions are to administer the XXXX XXXX XXXX. This Estate is entitled to a full faith and credit and as General Executor/Chief Administrator and acting in full capacity Ive enclosed a copy of the Estate though U.S. Passport and Social Security Card also the probated death certificate in the form of full faith and credit which was authenticated through the California Secretary of State and U.S. Department of the State. All assets are to be returned to the Estate and All taxes are to be reimbursed to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (AR)

I have received a letter from both XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and both letters confirmed that THEY DO NOT REPORT TO CREDIT BUREAUS, NOR DO THEY VERIFY ANY XXXX  INFORMATION. Per the letters, the furnisher, XXXX Risk Solution purchased my personal public record on their own and WITHOUT MY PERMISSION, decided to report this negative information. 

THERE IS NO STATE NOR FEDERAL LAW THAT STATES THAT A XXXX HAS TO BE ADDED TO A CONSUMER CREDIT REPORT. I've asked them to delete this but they lied and said the court verified, and the letter attached, proves that the XXXX XXXXXXXX doesn't furnish this information. 

My privacy has been violated because I never gave written consent for this to be reported, neither was I sent any letter stating this would be added to my credit file ; I wasn't given the opportunity to dispute. 15 USC 1681 states I have a right to privacy for various reasons and any consumer agency and debt collector must have my written consent to report my personal information, OTHERWISE, ITS CONSIDERED IDENTITY THEFT. XXXX Risk Solutions purchased my personal information and decided to display it without my permission.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (ID)

I have uploaded a complete file of this account these buisness do not exist I never recieved a card ending in XXXX that this whole entire account has multiple purchases with everything on this account is fraud including the name its under thats the wrong name
Consumer complaint received 2024-09-16
Product: Credit 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. (ID)

XXXX was for a XXXX XXXX XXXX XXXX XXXX  and it fell apart and got payment from Home Depot warrenty and mailed it and they dont have a way they are saying to settle the account that Home Depot warrenty sent me
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America voluntarily closed my credit card ( my longest standing History credit account to date - 13yrs ) just after one mailed correspondence ( in XXXX ) to an address that I was no longer at. I move around the country and have changed my address numerous times but have never changed my email nor phone number, however, they decided not to contact me at either of those channels regarding such a serious topic. BofA gladly emails me all the time offering and soliciting products for sales, yet they do not inform me that they are about to ruin my credit score closing my longest history credit account ( as well, skew my credit utilization due to the reduction of my total credit limit ). After spending 2+ hours on the phone with multiple managers, one of whom deliberately and intentionally hung up on me and transferred me back to the main queue, they said that the 'policy ' went into effect last week that they can no longer re-open a closed account and there can not do anything. BofA effectively has given these managers zero authority to provide actual customer relationship banking services. This is a huge issue for me being a business and financial manager who advises clients on issues such as personal credit. Had I been informed that my account was going to be closed, I would have made a purchase on the account to keep it open. I do not believe that ONE mailed notification is sufficient correspondence regarding such a serious issue. What's more, the only reason I found this out was from a notification from my XXXX XXXX account asking if I closed this account, and when I opened the app it shows a remark saying that BofA noted that the Account [ was ] Closed by consumer. It most definitely NOT closed by me. All I am asking to have the account re-opened which I know they can do as an override as I have been with the bank since 1998. Can we please re-open this account and call it a day, otherwise, I will have lost faith in this banking system and the 'relationships ' that I have been sold. Please find it in your heart to re-open this account because we as US citizens are only judged by 3 numbers ( credit score ) and when I do not have the power to control this number because of a 'voluntary ' close on the institutions part, I am at the mercy and am powerless to control my future of purchasing a house or anything credit-related due to actions out of my control. Thank you
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (AZ)

Citibank holds an alleged credit card debt in my name. On several recent occasions, they sent someone to my home ( assuming it was hired thru their collection agency ) who pounded and banged on my front door for an extended period of time. This is a violation of federal law. 
I finally received a notice from Citibank 's Collection Agency that was dated months back. I emailed and mailed notices requesting verification of the debt, which they have not provided. I offered several different options for settlement, which their collection agency says Citibank denied. I wonder if their collection agency even sent the offers for settlement to Citibank.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to formally file a complaint against the credit reporting agencies XXXX, XXXX, and Experian for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX, XXXX, and Experian conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally request that EQUIFAX INFORMATION SERVICES LLC immediately cease reporting the alleged debt from XXXX XXXX XXXX XXXX XXXX on my consumer credit report. An alleged account that is already being clarified to cease, closed, and terminated collection action on this alleged account from XXXX XXXX.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello CFPB my name is XXXX XXXX XXXX and I am writing this complaint because there are unauthorized inquiries on my credit report. I have tried to resolve this with XXXX AND TransUnion and they do not give me the respect. They place me on hold for so many hours and it is stressful. I need HELP. These inquiries I did not consent to in no way. My credit score is in the XXXX because of this. I have 100 % payment history and these hard inquiries are a stain on my report. Please Help
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (OH)

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed which is XXXXXXXX XXXX. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing a company called XXXX XXXX, they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are XXXX violations of my rights. 

XXXX XXXX keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also transunion XXXX and XXXX are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FTC Report filed on XXXX Dispute Letter : I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have substantial proof that your breach was the reason for these incorrect items in my report. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Identity Theft XXXX  XXXX Identity Theft XXXX XXXX XXXX Identity Theft XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.
Consumer complaint received 2024-08-17
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. (GA)

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 Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.