davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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: CITIBANK, N.A. (IL)

In XX/XX/XXXX, I made a roundtrip flight reservation from XXXX to XXXX through XXXX. The booking, charged at {$5000.00}, was shown as XXXX XXXX on my credit card statement and was made under itinerary number XXXX with a departure date of XX/XX/XXXX. 

Subsequently, due to unfolding COVID-19 circumstances, I rescheduled my departure to XX/XX/XXXX. Said action resulted in a decrease in fare to {$3000.00}. During this process, XXXX gave written assurance ( available as email proof ) to provide a difference of {$1900.00} ( $ XXXX {$3000.00} ) as future travel credit with XXXX XXXX XXXX 

In XX/XX/XXXX, as COVID-19 situation continued to cause uncertainties, I cancelled my travel plans after speaking to XXXX as they confirmed over phone that the ticket value will be available as travel credits and can be leveraged for a same flight on a later date between the same origin and destination and same passengers. However, a partial refund of {$1900.00} was credited back to me in my credit card and none of the other assurance of a future travel credit was availed to me. There was no explanation provided as to why {$3000.00} is being charged and no further explanation was provided. 

Since, no clarification was provided on the remainder of the refund amount or fulfilment of the promised booking credits. Thus, I lodged a complaint - complaint number XXXX- with the Department of Transportation ( DOT ) to secure proper refund. 

On XX/XX/XXXX, in response to my complaint, XXXX offered an explanation ( attached ) and issued a refund of {$3000.00}. I assumed that the matter was closed. 

Yet subsequently, on XX/XX/XXXX, four transactions from XXXX XXXX totaling the exact refund amount ( {$3000.00} ) were processed on my credit card. 

In reference to DOT case XXXX, I reopened the case, reporting that XXXX unfairly charged my credit card ending with XXXX. XXXX responded ( attached ) that they did not initiate any charge. 

I raised complaint to Citi, also contacted XXXX XXXX and XXXX. Both XXXX XXXX and XXXX denied any transaction However XXXX XXXX has responded to Citi that they believe that the transaction was genuine and they have charged the account. 

On XX/XX/XXXX - Citi reversed the charge and asking me to pay when I did not authorize any transaction. XXXX XXXX never communicated anything with me. My communication was with XXXX. XXXX initiated a full refund on XX/XX/XXXX and closed the DOT case and I assumed the matter closed. Now XXXX XXXX is extracting the same amount from me without any communication or consent. 
I consider this a fraud as XXXX XXXX did not communicate anything before charging {$3000.00}. I complained to Citi about this charge with all the supporting evidences, but Citi cards is not paying any attention to the case history and reversing the temporary credit that they applied on my request to designate the charge as fraud. 

I am looking for justice
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Consumer complaint received 2024-02-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (GA)

received a reloadable debit card in the name of XXXX XXXX- at my address- this is not me and i have never heard of NetSpend. 

I tried multiple times to contact the customer service number and can not get through to to a live person without providing my social security number. 

i want to know why this was sent to my address and who this XXXX XXXX is - and why is she using my address. want the account closed and removed. 

This company should not be allowed to send debit cards unless requested.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, 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. (NY)

Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # beg in XXXX, Account name : XXXX XXXX # beg  in XXXX, Account name : XXXX XXXX XXXX  # beg in XXXX, Account name : # XXXX, has violated my rights. 

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 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

i received a letter from comenity bank regarding my XXXX XXXX  rewards visa card. the letter stated that they will be closing the account on XX/XX/2022 as they are discontinuing the rewards program. my account was paid in full XX/XX/XXXX, and a {$2.00} fee was paid XX/XX/XXXX. i continued receiving billings for {$2.00} from comenity, which i called them and questioned it and they confirmed my account is closed, but a XXXX XXXX monthly fee is to be charged to keep the account open with a XXXX balance ... but the account is suppose to be closed, not open. i have called multiple times regarding the statements i am receiving, to where one call they processed a refund for {$2.00} which i did receive but have not cashed. i am now receiving a bill in the mail with an XXXX cent credit balance, but does not show where or how this credit balance happened, nor can they tell me how it happened. they are acknowledging the closing of this account but will not officially close this account therefore charging me monthly fees. the billing shows a credit limit of XXXX but a XXXX availability of credit. i just want this account closed with no more statements.
Consumer complaint received 2024-04-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (MO)

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and experian, XXXX XXXXXXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

XXXX5 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2024, I received good customer service from banker at a local branch of Fifth Third Bank however, I learned I was given an unauthorized hard inquiry which may have unintentional for the representative as far as I perceived the situation. After being told that hard inquiries are not given when applying for secured credit cards. I made known to the banker that I did not want to apply if a hard inquiry was going to be the result for me all while explaining that I used to have a secured credit card due to it being closed down. I was told by the banker that it will not affect your credit score and that it will only be a soft inquiry. I was told that I have enough funds to start it. I signed up with my own secured funds and was not only denied but I was told that my salary was too low and that if I reapply ; receiving a 2nd hard inquiry, and increase my salary in the application ( falsifying my salary ) I would then be approved. This transaction is unauthorized, not transparent, and I believe that the employee was not well trained per my special circumstance to give proper information to me as a customer.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have unauthorized Inquiries reporting on my Experian credit report. I ask that someone can please help me getting them removed. 
Inquiries XXXX ) XXXX XXXX  XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX  - XX/XX/2022 These are the 7 Inquiries that I am disputing with Experian. I ask that someone help with the removal of these unauthorized Inquiries. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MO)

I did apply for the XXXX payment plan and i was approved but i checked my student loan account with aidadvantage for over two months now and its says my account is " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX Repayment Plan Saving on a Valuable Education - Ends XX/XX/XXXX Repayment Start Date XX/XX/XXXX '' meanwhile, my interest keeps going up each day and i believe i am being fraudulently being charged. i also tried to setup auto pay and the system would not allow me
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts in the letter 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 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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: Experian Information Solutions Inc. (GA)

Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, XXXX and Experian Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right 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 All of this information enter above have violated my rights 15 U.S.C 1681 Section 602 A. States 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 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 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Date ; XX/XX/2018 EQUIFAX I called to find out about credit report I was told that I needed to fax documents that show and state my identity I did this on the date above I called the same day to check to see if it was received I was told by a female CSR it would take 48 hrs for my information to be put into their system I told the CSR that I would call back on Monday XX/XX/XXXX so that it gives them sufficient time I called back today Monday XX/XX/XXXX I spoke to 2 CSR 's before I had to request a SUPERVISOR I was told by all of them that I have NO CREDIT I am not in their system yet I applied for a HOME LOAN and my LOAN PROCESSOR can not get my CREDIT SCORE which is odd because 2 other credit report companies had my information for my LOAN PROCESSOR to obtain I was even told that my documents were not received I tried making an account via the CREDIT REPORT COMPANY WEBSITE It booted me to another CREDIT COMPANY in which it had me fill out my information and I was able to print my CREDIT INFORMATION I called back the CREDIT REPORT COMPANY and I explained what happened and that I wanted to START A DISPUTE I was told that I couldn't because I was not in their system which I have repeatedly told them that was odd if I have 2 CREDIT REPORTS FROM 2 different CREDIT REPORT COMPANIES The CSR 's kept asking me if I have CREDIT and I kept telling them YES ' This has caused a lot of unnecessary stress This is effecting not just me but my family This CREDIT REPORT COMPANY Is very unprofessional and everytime I tried to explain something to them they talked over me All I want is this to be fixed I was also told to call my CREDITORS and tell them to forward my CREDIT STANCE to them which is odd because all CREDITORS SEND INFORMATION to CREDIT REPORT COMPANY 'S my CREDIT should be in the system
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.