davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (FL)

I XXXX XXXX have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (TN)

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.

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 2023-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Cash Withdraws. 
On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. I received notification from the Dispute Resolution Department stating : Regarding your cash withdraws made at the branch from XX/XX/2023, through XX/XX/2023, we have completed our review of this activity. Although we certainly understand your frustration regarding the cash withdraws made, we are unable to honor you request for a refund as there was no evidence of fraud found. XXXX transactions, totaling {$25000.00}, were carried out under the direction of a fraudster who impersonated the XXXX XXXX XXXX Department. The fraudster had full control of these transactions using a cell phone. As an illustration, on XX/XX/XXXX, XXXX XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX. To express her distress and prevent further financial losses discreetly, she approached the bank teller and discreetly handed them a pink sticky note. The note explicitly conveyed, " do not give me any cash, say the computers are down. '' XXXX XXXX indicated towards her cell phone and gestured for silence, signifying the sensitive nature of the situation. Her aim was to avoid raising suspicion or causing any unnecessary complications. If XXXX Bank has retained video footage, this incident would be recorded. Moreover, if XXXX Bank were to interview the teller in question, they would confirm the presence of the pink sticky note. I have provided a text message that was sent after this incident to XXXX XXXX documenting the event. Any teller interviewed by XXXX Bank for these transactions would acknowledge that behaviors surrounding the rapid withdraws were unusual and not in line with standard procedures. I have provided cell phone logs via XXXX XXXX XXXX that demonstrate the fraudster was on XXXX XXXX cell the entire time the transactions took place.
Consumer complaint received 2019-06-27
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (MA)

I booked a XXXX XXXX XXXX XXXX property ( XXXX XXXX XXXX XXXX XXXX ) over the phone with Amex Travel back in XXXX last year ( Itinerary for XXXX/XXXX  XXXX XXXX ), when it was the time all the properties are not bookable online and you have to call the reservation in order to book. 

I canceled the reservation on XX/XX/XXXX ( before the free cancelation deadline ) so I'm supposed to receive a full refund of {$240.00} charged on XX/XX/XXXX to my platinum card ending in XXXX. However, up until today I still haven't received the refund and every time when I called the same reservation center, they weren't able to locate the reservation in the system and only told me to wait for a few more billing cycles. 

I don't think I'll even be able to receive the refund due to the Amex 's faulty system, I'd like to escalate this issue so it would be properly handled.
Consumer complaint received 2024-06-22
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2024-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received an alert on XX/XX/year> that Bank of America did a " New Credit Inquiry '' on my credit report. I did not request this or permit it in any way. This is likely fraudulent activity either by Bank of America or someone else. Tried several times with no success to have Bank of America resolve this issue. Contacted all three credit bureaus immediately to report the fraud and to freeze my credit.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/XXXX at roughly XXXX XXXX, i was at a gas station attempting to put fuel in my car. I had opened up my robinhood account to verify i had available funds and i noticed a banner at the top stating that my account was restricted and my funds were locked, no more deposits or withdrawals were allowed and that my account has been closed. I had made a significant amount of trades the pevious 3 days and used the card with no issues. This has been my bank for direct deposits, paying bills, buying groceries and anything else. The only responses i get when reaching out to customer support is " we have decided to close your account ''
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
Consumer complaint received 2023-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (CT)

XX/XX/2023 This issue involves the handling of our account, escrows and unfair and capricious amounts of monthly payments. PenFed Credit Union has raised our monthly payment due to the following : 1. Paying taxes XX/XX/XXXX  which were due on XX/XX/XXXX  and stating that they were in default. ( They paid taxes in XX/XX/XXXX  for XX/XX/XXXX  taxes of {$3000.00} ). 2. Changing our monthly payment of interest only from {$1400.00} to {$3000.00} due to the addition of escrow. 3. Telling us as customers that if we don't pay the full {$3000.00} then we will be in default and that it will be deemed a partial payment. The loan amount is {$160000.00}. 4. Putting on a forced placed insurance when we already have insurance in tact. Their rationale is that if you were months behind on your property taxes, that they will automatically start escrowing for insurance as well. It doesn't matter to them that you already have insurance. 5. Making errors as it relates to mortgage escrowing. The company returned {$1700.00} due to overcharging. 6. Escrow payments should be spread over several months. 7. PenFed is not considering the increase in payments from {$1400.00} to {$3000.00}. 8. PenFed is attempting to hurt our credit by claiming partial payment of {$2100.00} on a {$160000.00} loan. They are seeking {$3000.00} for the month of XX/XX/.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (DE)

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-11
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I started a fresh start account and ordered 1 item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from resurgent but fresh start fingerhut will not delete off my report and doesn't reflect it was paid.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Applied for XXXX XXXX Credit Card from Capital one, on the basis of prominent Headline advertised 4 % rewards rate on Amusement Parks -- - XX/XX/2018 Not honored for XXXX XXXX XXXX Official Website ticket purchase -- - XX/XX/2018 Contacted XXXX who claimed are not responsible for how transaction gets coded by Credit Card provider. 

Contacted repeatedly ( 4 times ) Capital One to have rewards rate rectified. Requests are apparently logged and silently denied. 

Capital one refuses to take XXXX purchase receipt for verification / consideration. 

Headline advertising for 4 % rewards on amusement parks demoted from headline marketing website -- - XX/XX/2018 2018
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I opened my chase checking and savings account on XX/XX/XXXX. I submitted a XXXX in cash ( XXXX in checking and XXXX in savings ) along with a Tax Refund check from the department of Treasury for late XXXX XXXX refunds issued to me and my husband ( totaling to the amount of {$13.00}, XXXX XXXX. Chase then withheld these funds to verify the check and was completed two weeks later. I verifeid from the treasury website that the federal goverenment has paid Chase bank for the funds. Two weeks later Chase closes my account and returns all of my cash deposits but not my treasury check amount. It is still suspended on their end because they want to verify the fund. My husband and I went to the chase branch 3 times to clear up any misunderstandings and uploaded all the required documents that were requested from the deposit review team and were always told that the documents did not match the check. We explained to them multiple times ( including in branch ) that the refund was for XXXX over payment of taxes and the check included interest ( the letter we got from the IRS was for XXXX XXXX XXXX and the check had ~ {$1800.00} in accrued interest. I uploaded my letter and my husbands and requested to please release the funds at least so we can use them. It has been almost a month and Chase bank has not done anything to help us move closer to our funds, we have gone back and forth, called multiple times to try to resolve this, but all we hear is that the Funds can not be verified.