davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

On XX/XX/XXXX  I received a call which was the same phone number as Chime ( XXXX XXXX  ) at the time I did not know it was a scammer not a chime employee. They said someone was trying to make unauthorized transactions on my account and I confirmed it was not me. They asked me both my checking and savings account balance. Then stayed we had to do a reversal payment on the {$4500.00} and had me send money instead of money being deposited to my account. When I questioned it he hung up on me and I called back this time it was a real Chime employee and he stated who I just talked to was not an employee and he scammed me.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received email and text messages about opening an account with Chime. I called them because Ive never opened an account with them. They requested my email address and DOB ( which I was uncomfortable giving ) which I provided. I was told that an account was open but when I requested information about when it was opened? Or how it was opened? Or was there any charges? Or how much of my information did they have? I was told that he couldnt give me any information. How can I try to pinpoint who did this if they wont give any details? After XXXX  this, Ive learned that this has happened to multiple people and this is not ok. Is the company itself scamming us?
Consumer complaint received 2024-01-08
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. (WI)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

On XX/XX/2023, I sent an ACH payment to my daughters account at XXXX  XXXX from my account at US Bank. This payment was to be for a deposit to her IRA. My understanding is that she could only accept {$5000.00} for an ACH, so the payment amount was {$4900.00}. After several days, the ACH had not gone through, but the payment had posted to my US Bank account. I called XXXX XXXX, and they needed the ACH Trace ID to find the transaction. I have called US Bank many times over the past 5 weeks, and the Fraud Department keeps submitting a dispute to their disputes department, because they admit that the required Trace ID was never given to the ACH transaction, and they can not track the funds. After going back and forth, today I spoke again with the Fraud Department, and they resubmitted the dispute again. Meanwhile, no funds have been transferred to XXXX XXXX for over 5 weeks. US Bank needs to provide me the mandatory Trace ID for both the transmittal of the ACH, and the receipt from XXXX  XXXX, so that XXXX XXXX can find the payment. I do not believe the payment was ever sent, which is a sentiment shared by some of the people I have spoken to at US Bank.
Consumer complaint received 2024-02-06
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: U.S. BANCORP (MA)

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : US Bank on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

My report shows that my social security number had been leaked on the black Market and upon my investigation of my credit report I found fraudulent accounts and inquiries when disputed with the credit agencies they refused to take the accounts off and said that they had been verified
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (VA)

I submitted two requests ti LexisNexis to unfreeze my report. I provided the pin number. However, LexisNexis has never unlocked my report. I am trying to buy a car and I am being prevented in doing so because of LexisNexis. I need help please.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. Thank You.
Consumer complaint received 2024-02-15
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: CITIBANK, N.A. (NY)

Fraudulent transaction on my Citibank credit card used to purchase tickets via XXXX for XXXX XXXX XXXX game on XX/XX/23 in XXXX. I've never been to a football game in XXXX, I live XXXX miles away. XXXX sent these tickets to a email address ( and IP address ) that is not mine. In fact Citibank notified me of this charge and closed out that credit card & issued me a new credit card because of this transaction. Citibank gave me a provisional credit on XX/XX/23 but then on XX/XX/23 reversed that charge saying that they have closed their investigation and determined it was a valid charge ( see attachment ). XXXX emailed these tickets to " XXXXXXXX XXXX XXXX '' ( see attachment ) and that person enjoyed a football game at my expense. I have visited & spoke to Citibank on numerous occasions but they are not willing to do anything. I'm in the process of closing out my checking & savings accounts at Citi.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (WA)

I paid the debt in full and actually paid {$25.00} over the amount and they have it written as a charge off and closed. I have called them several times, written letters to them requesting that it be changed and removed like they promised as well as disputed it multiple times. I have been dealing with this situation since they first got my file back in XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

Early Warning Services has refused to provide me with a webpage that allows a consumer to request a security freeze, in violation of the Fair Credit Reporting Act 605A that says : " A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; '' Fair Credit Reporting Act 605A also says, You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' Early Warning Systems claims they are exempt from the freezing requirement by sending me a letter that says, " The Fair Credit Reporting Act exempts consumer reporting agencies identified by Section 603 ( x ) from the requirement of accepting or referring freeze information to other consumer reporting agencies such as XXXX, XXXX, or XXXX. '' It is true that Early Warning is a specialty consumer reporting agency as defined in the section, but THERE IS ABSOLUTELY NOTHING in the Fair Credit Reporting Act that exempts consumer reporting agencies identified by Section 603 ( x ) from the security freezing requirements of 605A of the Fair Credit Reporting Act. Therefore, Early Warning Services is in continuous violation of section 605A of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (NY)

in accordance with the fair credit reporting act Kia finance America has violated my rights.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Prosper Marketplace, Inc. (FL)

I went online to see about a personal loan for {$20000.00}. I filled out an online form to see what my rates would be. I included my checking account number and bank information. I when to proceed to see my rates and I was told I am approved for the loan. I never signed anything. The money is now pending going into my account, but for only {$18000.00}, not {$20000.00}. I called and told them I do not want the money and that said I can just pay them back, but I owe them the full {$20000.00}. I do not accept this money, I have called XXXX XXXX ( my bank ) and they are trying to stop the transaction. Please help.
Consumer complaint received 2024-02-13
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. (CA)

I do not have access to my Experian Online Account as well as can't get my XXXX XXXX XXXX I contacted Experian several times and sent all my identification documents to them on the XXXX XXXX XXXX  by fax. 
Today, on XX/XX/year> I contacted Experian and seeking help to get access to my account but all support team members after hearing my issue just hung up the phone. 

I am attaching all my identification documents to this complaint and asking Experian to open access to my Experian Account. 
See also attached the letter I sent to Experian on XXXX XXXX XXXX by fax.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Attorneys USA LLC (TN)

this is not my debt i dont owe this company I never applied for the XXXX XXXX account. I have not lived at XXXX XXXX XXXX in over 5 years. My name ispelled incorrectly and I don't know who this creditor is originally and don't owe this company. This was identity theft and someone or somebody applied for this account. I want all collections stopped on this file immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : USAA FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. 

To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. 
This is an attempt to collect a consumer debt and any information obtained may be used for that purpose.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, 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 six months.
Consumer complaint received 2024-06-16
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: EQUIFAX, INC. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate ; XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

On XX/XX/XXXX  I was applying for a credit card and the ad for cashnet came up and the three bulletins about them company on the website said, Only pay back what you owe, Same day deposit, and contact. I NEVER seen interest or fees or anything until I seen my statement. They said it was in my agreement form that was sent to me after I was approved and signed. AFTER, the form I recieved said nothing about my form being sent to me, it was strictly a congratulation letter. At the very bottom is a pdf of the form. The form is not what I signed, nor does the signature box look the same except my info. I have great credit and always pay my things on time. Many reviews show this happened to others as well. I also receive my first statement to see im paying biweekly. I wasnt told my paydays were being requested for that reason. I also was never informed of the {$180.00} fee. The advertising is false/not accurate. It truly turned around and put me in a bigger bind. A {$1200.00} line of credit turned into {$4000.00} repayment. My pay off date has changed and I havent even paid a dime. My payments are also changing since the last time I checked the account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account is incorrectly reporting on my name. I have requested the removal or deletion before many times but I continue to have my consumer rights ignored. 

The details of the subjected account can be found below : XXXX XX/XX/year> {$100.00} XXXX
Consumer complaint received 2024-02-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC. (OH)

I have A GAP insurance policy with Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone XXXX. My car was totaled and they are refusing to pay the remaining balance on my vehicle even though my policy with them was active and fully paid for.