davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting 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: Experian Information Solutions Inc. (GA)

I can not sign on to Experian 's website. I probably have an old account I no longer have records for. I don't know which of two email addresses I used as a userid. I don't know the password either. Using their online recovery method, they say the phone number I have is not what they have on record. This is required information for the online recovery. The previous phone number ( which is disconnected anyway ) gets the same error. This dead end occurs with both email addresses. 

When trying to get telephone help, you can try lots of paths through the automated system, but you always wind up at the useless recovery method described above. There is no option to speak to a real person. If you say " representative '' or push " 0 '', it tells you it can not connect you to a specialist. I am trying to place a freeze on my credit report. So far the only thing Experian offers is doing it by paper mail. 

I tried creating a new account from scratch, but when I selected a userid and password, it told me the usedid could not contain the password, which was nonsense. They were not similar in any way, plus the usedids I tried were from 6 to 10 characters long and the password was always 17 characters and met all the complexity rules. 

Some other credit reporting agencies allow this without having an account with userid and password. I'm not accusing Experian of anything unethical, but it occurs to me that by preventing the freeze from occurring, they will continue to receive a fee for requests for my credit report. I'm aware of four other credit reporting agencies and this task was quick and easy to complete with all of them.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

See attached. 

I am confused about the reporting of this closed account? Says " XXXX LATE PAYMENTS '' but has a first date of delinquency XX/XX/2022??? This is hurting me right now, as it is preventing me from purchasing a home. 

Correct this or remove this account off of my report completely, immediately. 

If you can not accurately report then I do not give permission for this account to be on my credit profile. 

15 usc 1681 ( b ) ( 2 ).
Consumer complaint received 2024-04-17
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 received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. Additionally, the other bureaus have already removed these from their records. So, please DELETE these right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (VA)

I recently paid both of my PNC credits card balances off in full. PNC has decided to punish me by stripping away all but barely {$1000.00} credit limit on each card. They took away $ XXXX in credit from me.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (CA)

On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. 

It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. 

In response to the theft and the subsequent denial of my claim, I filed XXXX separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.
Consumer complaint received 2018-11-26
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: Experian Information Solutions Inc. (FL)

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score.  I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX >XXXX  >XXXX  >XXXX  >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX XXXX   >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 2023-11-21
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. (SC)

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 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Sunbit, Inc. (OH)

Sunbit has a credit card that is focused on rebuilding and by invitation only. I have requested information to their invitation procedure, but they have failed to provide any further details. 

1. All loans have been paid and are current.

2. But, lending capacity has been significantly decreased.

3. Excessive interest rates at the highest apr.

4. Fail to report loans to all XXXX credit bureaus.

5. Never sent invitation for the credit card.

I believe that I am being racially discriminated against.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding inaccuracies found in my credit report, which have not been adequately addressed by XXXX and TransUnion, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to dispute the inaccuracies with XXXX and TransUnion, they have failed to conduct a proper investigation and have instead verified and updated the erroneous information. Upon reviewing my credit report, I discovered several violations of the FCRA, including inaccuracies in account numbers, account types, dates opened, number of terms, high credit amounts, dates last reported, dates opened, dates last active, and dates of last payment, totaling 8 violations in total. 

As a consumer, I am entitled to accurate and fair reporting of my credit information, as outlined in the FCRA. The failure of XXXX and TransUnion to address these violations in a timely and appropriate manner constitutes a clear violation of my rights under the FCRA. 

I demand immediate action to rectify the inaccuracies in my credit report and provide compensation for the violations committed. Pursuant to the FCRA, I am entitled to {$1000.00} in compensation for each violation. Based on the number of violations found, I request compensation totaling {$8000.00} for the 8 violations identified.
Consumer complaint received 2024-04-17
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CT)

Lvnv funding has got a debt from a credit card company that was obtain threw identity theft. I now have a credit lock on my account so this never happens again. I have tried to dispute this several time and ask that I be sent the original contract with my signature which I still have not received. I never opened this account or agreed to pay this debt to XXXX XXXX XXXX in the amount of XXXX
Consumer complaint received 2023-04-21
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: FC HoldCo LLC (CA)

XXXX XXXX DEPARTMENT {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (LA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC illegally garnished and close my checking account. This resulted in extreme hardship to my family. 

Moreover, LVNV Funding did not provide any warning of the garnishment or any way to inquire or settle the alleged debt. 

LVNV Funding is In violation of the consumer protection laws because they did not apply the appropriate state exceptions for garnishment. Moreover, LVNV Funding engaged in deceptive practices such as leveraging circumstances, unequal bargaining power to take an unreasonable advantage. 


The only remedy is that any garnishment amount should be reimbursed and my bank account reinstated.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB Corporation (TX)

I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (TX)

Delete late payments from XXXX XXXX XXXX XXXX  FROM XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-04-17
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. (NY)

The 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been closed and are inaccurate this is affecting my credit.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a community bank through Alphaeon Credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the Alphaeon account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

The former issuing bank of my DELL credit card was changed. When reviewing a statement I noticed a charge on my card that I did not make. It was a charge that I recognized but was paid off in the past, under the old issuing bank. I was in shock. Why would this transfer over under the new issuing bank? Are they kidding me. It was a charge approx {$100.00} for a Dell horizon backpack. It was originally purchased in XXXX of XXXX. 
I called the new bank immediately. They put it under dispute but I am still furious over this. How could this even happen? How dare they? It should have been removed immediately. Who's fault was this? Was it the fault of the company? Dell? If it was the new bank shoudl have told me that. I have to wait now as this is under dispute? What about an interest I was charged now on this error. Its just sloppy and unacceptable. They should have credited it immediately, since it never should have happened.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-04-26
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 

See the documents attached.
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Around XX/XX/XXXX Ive contacted costumer support from the number in the back about my visa gift card and a possible refund. I was asked to give my full card details, I wasnt aware of how anything worked so I did. Later that same day I checked my account to find that my card was emptied with transactions Ive never made. The customer support representative was the one that had my details and made unauthorized purchases. All the transactions were labeled as pending. Not once have I made a purchase with the card. I called customer support again and had my card deactivated, I was told that the transactions wouldnt be going through and to call again on the XXXX to have it replaced, this is when the funds shouldve returned. I called on the XXXX about it and was told that the funds never returned, I filed a formal dispute that same day. On the XX/XX/XXXX, I emailed to the email they provided for any correspondence for any updates regarding the disputes. I was met with radio silence. Its been a week since then and still no response. Ive lost my trust in the company and just want to get my money back. The total amount on the card was XXXX dollars.