davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

My complaint is of Experian in itself. There is absolutely no way to talk to a human to get help with any problems. On XXXX I tried to login to my Experian account. I couldn't find my password. In the attempt to reset the password, the website told me my current phone number doesn't match what's on file. I attempted to login other ways the site directed me to do so but was unsuccessful because the site wanted to send a verification code to my phone number. Since Experian has a different phone number on record I'm unable to get a code. I provided my social security number and zip code to verify my identity, but the company needs my phone number to verify. I tried calling three different numbers at Experian and ended up in a phone tree, then the company hangs up on me. There is absolutely no way to get a human on the phone to fix my matter. I am concerned someone else is getting my passcode. I have been a victim of identity theft in the past and find this whole process troubling. One of the companies that is supposed to protect me is failing to do so. This entire situation is extremely alarming. The three numbers I tried contacting several times are XXXX, XXXX, XXXX. Surely I am not the only consumer in the country who needs personal support and is unable to obtain it.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (CA)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-11-01
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. (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 Account Number : L 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.
Consumer complaint received 2024-11-01
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. (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 : FLAGSHIP CRD Account Number : XXXX Account Name : 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.
Consumer complaint received 2024-10-26
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NM)

I applied for a Best Buy Citi credit card on XX/XX/XXXX. I was denied because I " have insufficient accounts '' as reported by XXXX. This does not match my records as I have several credit cards, a student loan, and a mortgage noted by XXXX, all with good payment history, XXXX XXXX XXXX. I do not think that this meets " denial '' criteria and I need more information as to why this company denied me this card. I hope this has nothing to do with my age, gender, or ethnicity... .. More so XXXX and XXXX also note my extensive credit history. 
I am also extremely displeased with the customer service I experienced, they provided me with a number to inquire for more questions on the denial and I was unable to obtain a live human. I called their main credit card number line, and after many attempts, I did get a live human who promptly hung up on me. Perhaps blessing in disguise that I did not get this card.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX, TransUnion and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from TransUnion Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from XXXX by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (SC)

Between the dates of XXXX XXXX and XXXX XXXX of XXXX, I received XXXX calls on XX/XX/XXXX, XXXX and XX/XX/XXXX, and two calls a day on XX/XX/XXXX from Atlantic Recovery Solutions. The calls on XX/XX/XXXX were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX, and XXXX. On XX/XX/XXXX the calls were at XXXX and XXXX. On XX/XX/XXXX the calls were at XXXX, XXXX and XXXX. 

Voicemails were left on these calls, some that were near the end of a pre recorded message. 

I was previously coerced into a payment plan with ARS in XX/XX/XXXX after a threat for a lawsuit was made and my father was contacted by them in an attempt to locate me while I was at work. A payment was reversed before being debited from my account near the end of XX/XX/XXXX. My debit card was recently locked due to suspected fraud, and I am going to call Monday and see if it's in relation to dealing with ARS and find out why the payment wasn't drafted. 

The debt was initially to XXXX for a line of credit that went into collections some time prior to XXXX. 

The screenshots attached are of my call and voicemail logs taken on XX/XX/XXXX and my phone lists days instead of dates for the previous 7 days in my call history.
Consumer complaint received 2024-08-19
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. (CA)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud. XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank does not care about its customers. Despite being an excellent customer with excellent credit for over 20 years, Barclays Bank cut my credit limit from {$15000.00} to {$3000.00} because " of low credit usage ''. The adverse result was my credit score went down 3 points since this made my credit use to credit limit ratio appear higher. Living in Florida, I purposely maintain a high credit limit as an emergency source of immediate funds in the event I need to pay my high home insurance deductible right away in the event of hurricane damage. The state of Florida was already under a state of emergency due to Hurricane Helene at the time. Two weeks later Hurricane Milton devastated millions of homes. I contacted their customer service and asked them to reverse the credit limit back to the higher limit. The response from three separate managers was that I would have to re-apply and they would pull my credit and process a new application. I have worked in the financial industry my whole life, so I know that would again cause a decrease in my credit score. Since they did not have the authority to do the right thing, I contacted the Office of the President. When I received a phone call it was not from the President, XXXX XXXX, but another customer service manager who also failed to recognize that their actions harmed a good customer, refused to reverse the action, and offered only the same solution. I informed her that that was not acceptable to me, nor is it acceptable to treat loyal customers this way. The only explanation she offered was that they perform internal data mining to determine in bulk what accounts aren't using enough credit for their liking and likely, profitability. I've worked for large banks, regional banks, community banks, federal credit unions and state-chartered credit unions. I know the same techniques are used when banks decide to cut the credit limits on customers who appear to be using their available credit too much. This they do to mitigate potential losses. It has a negative affect on customers ' credit ratings and causes other creditors to follow suit. On behalf of Florida homeowners, I provide this information to consider when choosing what bank deserves your business. My advice is to use small banks or credit unions that do not treat you like a piece of data. I already applied and obtained a new XXXX credit limit from XXXX XXXX Bank. I told Barclays, I will cut my usage on the XXXX accounts I have with them and give my businesses that understand the needs of the people whose business they seek treat loyalty properly. They responded again with a call from XXXX, XXXX in the " XXXX of the XXXX '' with the same offer. She lied & said they can't change the limit back. I know all it takes is XXXX operations or branch XXXX with authority to change the field in the system, as I have had that authority myself.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On two s eparate occasions in   XXXX   XXXX    , I visited Chase Bank at   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX  and notified  XXXX   XXXX  ( NMLS ID :  XXXX  ) and  XXXX   XXXX   (  NMLS ID :  XXXX  ) that I have been receiving bank statements for   XXXX   XXXX   XXXX   XXXX   at my home address.     Neither did I request, nor did I authorize Chase Bank to send bank statements belonging to my employer to my home address. This is a HUGE violation of privacy and I want it to stop.     Both  XXXX   XXXX  and  XXXX   XXXX  promised me that they would fix this problem. After a number of weeks elapsed with the problem continuing, I returned and spoke with  XXXX   XXXX  a second time. He, again, promised me that he would remedy the problem.     Fast forwar d six months  and absolutely nothing has been done. I called the Customer Service line and spoke with  XXXX  on  two o ccasions, who told me I must be mistaking, because his information in his system reflects that no statements were ever sent to my home address and, if so, the post office must be forwarding them to me. Really??     To make an already long story short, not a week goes by that I do not receive statements in the mail for this account for which I have no financial responsibility. I am not an owner of  XXXX   XXXX   XXXX ,  XXXX  and I do not want to receive its bank statements addressed to me at my home address.     Short of taking legal action, I do n't know what else to do.  Chase is  attempting to bully and intimidate me.     In this age of rampant computer hacking and violations of privacy, it is not only irresponsible for  Chase to  send banking statements to people to whom they do n't belong, but it is extremely neg ligent for Chase to  continue to do so after being put on notice to cease and desist.     This entire situation, going bac k six mont hs, has been extremely stressful for me. It has made me feel powerless and, yes, very much intimidated. The thought t hat Chase c an blatantly ignore my concerns over the use and application of my own name and personal information is extremely unnerving and is causing me to awaken in the middle of the night and not be able to go back to sleep.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

A fraudulent check was cashed we reported it and the customer service did not do the correct job and let the fraud clear and said it was a civil matter knowing that the check was fraudulently cashed by having a signature on the back of the check was fake. We notified them that the check was in our possession and was not signed on the back. We did not owe this company any money they did not have authorization to cash this check. 
They refused to take the evidence into consideration and proceeded to finalize the decision of fraud to be ok and paid out the XXXX not owed, although they recommended to close the account and start a new one. This is obvious a violation of the bank to do due diligence against fraud of a customers account.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!
Consumer complaint received 2024-08-19
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. (PA)

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, XXXX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. 

The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.