davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX : After MANY attempts to talk to a live person at Experian ( their XXXX number does NOT give an option to talk to a human ) I finally get XXXX in the " Titans ' group who takes my credit card number and promises to send me an expedited PIN number that will ship out on Monday, XX/XX/XXXX to arrive Tuesday, XX/XX/XXXX. 
It is now XX/XX/XXXX at XXXX and nothing has arrived, and nothing will. I checked my credit card and nothing was charged onXX/XX/XXXX-there should have been a {$20.00} charge for the expedited PIN shipment. 
Just now, on XX/XX/XXXX I have spent over 30 minutes trying numbers and searching the internet for a way to get in touch with an actual human at Experian, it is next to impossible. An automated line asks for your SS # and zip code then gives you limited options, NEVER does it offer a human. By a stroke of  luck I found another number : XXXX but had to press a " corporate '' button, and finally got a RUDE human who had to transfer me to the regular consumer number. This is absolutely ridiculous. XXXX, who I was finally connected with at Experian today, said that XXXX from the Titans group NEVER ordered my expedited PIN to be shipped to me. He promises that he has and it will go out tonight and I should have it by tomorrow morning. 
ALSO-the credit /freeze section of the website is a piece of XXXX and says that I am not allowed to retrieve my PIN, thus FORCING ME to pay {$20.00} for expedited shipping so I do not have to wait 10 days for the US Mail to bring it to me for XXXX cents. 

EXPERIAN IS THE WORST! THEY DO NOT CARE ABOUT CONSUMERS!!!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-31
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. (TX)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies.

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items.

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-31
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-08
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: EQUIFAX, INC. (TX)

XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 XXXX
Consumer complaint received 2023-06-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: SYNCHRONY FINANCIAL (FL)

I bought a trailer from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the state of Ohio and financed it through XXXX XXXXSynchrony Bank for an amount of {$3800.00}. When I applied for registration at the Florida DMV, they listed Synchrony Bank as the lienholder. I made the final payment on the financing on XX/XX/XXXX for an amount of {$3200.00}. I made this payment from my savings account. As of today, XX/XX/XXXX, I still have not received the title release for my trailer. I have made multiple calls to Synchrony Bank, but they have been unable to locate my account using my social security number or my account number, and they have not provided me with any answers. I sent a letter to the lienholder 's address, which they received on XX/XX/XXXX, but I have not received any response to date. I have exhausted all avenues but have still been unable to obtain the title for my trailer, and I need assistance in resolving this issue.
Consumer complaint received 2024-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

Signed contract XX/XX/year> Canceled contract XX/XX/year> -mailed letter -emailed ( multiple times ) Followed the contract to cancel by emailing and sending in a letter XX/XX/year> : filed complaint with XXXX  due to receiving many calls and the company continuously trying to extract money from my account. 

I have attached the contract as well as the letter sent.
Consumer complaint received 2024-07-06
Product: Credit 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: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/year>, a third party contacted XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) and requested financial information pertaining to my personal credit card. The third party also requested that all related information be sent to a new email address and a new phone number, all without my consent or knowledge. 

Subsequently, XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) complied with the third partys request. They changed the contact information associated with my credit card on file and disclosed personal financial information to the third party. 

I possess the email chain and inquiry number, along with detailed notes, which substantiate these events. 

This incident constitutes a breach of my personal information. It highlights a significant security vulnerability in their procedures and indicates a severe lack of training among their employees.
Consumer complaint received 2024-07-31
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. (OH)

Remove the following accounts for improper use of my credit report.These accounts are collection accounts showing an amount past due an a complete payment history XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm baffled by the repeated denials of my identity theft claim. This situation is incredibly frustrating and exasperating, and I can't comprehend why this is happening. Who granted you the authority to dispute my status as an identity theft victim? I have a clear understanding of my own situation, and you are not in a position to act as judge and jury. 
According to the Federal Trade Commission ( FTC ), if I provide an FTC identity theft report filed with a law enforcement agency ( which happens to be the FTC ), you are obligated to take action. So, why are you not adhering to the guidelines? 
I'm extending one final opportunity for you to rectify this situation. Please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
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: FORD MOTOR CREDIT CO. (GA)

Hard Inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-07-06
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: TRUIST FINANCIAL CORPORATION (GA)

Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2019-04-23
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. ()

Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus XXXX, XXXX and Experian. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.
Consumer complaint received 2024-07-06
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. (SC)

I am a victim of debt bondage, a form of XXXX XXXX where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

On XX/XX/year> I started to receive text messages and emails about my Chime account. I never set up an account with Chime before, or used their website. This account had my phone number, email address and address of my home. I believe my social security number was used as well to set this up. I contacted Chime and they closed the account but they wouldn't give me any information on the account or let me know when it was created and if it was used. I have read online that others have experienced this and that Chime themselves has created accounts for people without authorization. This is very concerning for me and I would like further steps to be taken on this. Thank you
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KY)

From Sunday XX/XX/XXXX to XX/XX/XXXX a woman supposedly named XXXX XXXX was supposed to sell me this XXXX for XXXX dollars yet she never gave me the XXXX nor my money and is holding my money and blackmailing me to give her more and more money to a certain amount to get my money back due to supposedly her card being on hold yet I still havent gotten nothing and just gotten scammed because she still asking for more and more to send me my part back
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (IL)

Company Name : AARGON AGENCY Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number : XXXX Phone Number : XXXX Amount claimed owed : {$310.00} I am writing to dispute such inaccuracy on my credit report. This account listed on my credit profile are an account that I have absolutely no association with, no signed agreement, never been lent any money. I reported this information to the Federal Trade Commission and I also filed an Affidavit. This company is violating my rights as a consumer. Please be advised that this Unverified ACCOUNT remained on my credit report, which is a violation. I have yet to receive original documents pertaining to this account information thats being disclosed as a debt on my credit report. Im supposed to receive all original documents from the original creditor to verify that the account is in fact mines, which is a requirement by LAW. Since I have yet to receive any such documentation, Im asking that this account be removed immediately from my credit report
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MI)

I purchased items on XX/XX/XXXX from " XXXX '' after seeing an ad for waist trainers. Upon receiving the first two items, it was clear that what was marketed on ads was completely different from the product that was sent. I contacted PayPal to create a dispute under the " buyer 's protection ''. I opened the dispute on XXXX different occasions. Each time I sent PayPal the same information including the marketed pictures and pictures of the actual physical product. I would then receive a message from PayPal asking me to allow time for the seller to respond and for PayPal to investigate. On the first dispute, I missed the e-mail that requested additional information. Every dispute or appeal I sent after that I promptly send the information requested which was pictures of the product and pictures of the actual advertisement. Each time PayPal would then wait for the seller to respond, and supposedly send me an e-mail asking for additional information. On the last XXXX occasions, I never received the e-mails for the additional information request. The only e-mail I would receive was the one stated that the dispute had been closed due to my failure to respond. The representative stated days I was sent a e-mail, chiefly the last appeal, being XX/XX/XXXX and I told her I never received an e-mail and that was a federal holiday. I also told her that I never received any return information from the seller. I told her that this was unfair because sending the items back to XXXX would be costly and the company is misrepresenting the products they are selling intentionally.
Consumer complaint received 2024-06-06
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. (TX)

In regards of numerous attempts and providing extensive documentation to have these inaccuracies corrected, these late open accounts continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why these late open accounts continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The following accounts should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$710.00}.
Consumer complaint received 2024-07-06
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: Bread Financial Holdings, Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.