davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (SC)

1. an unknown person applied for a XXXX XXXX credit card in my name on XX/XX/XXXX 2. I received an alert from experian of a hard inquiry on my credit report immediately 3. On XX/XX/XXXX I called and spoke to XXXX credit card fraud line and they were able to stop the credit application. I requested they remove the hard inquiry as fraud and I was promised it would be done in 90 days.

4. I called back on XX/XX/XXXX and then again in first week of XXXX and on XX/XX/XXXX when the report had still not been removed.

5. I received a letter from XXXX credit reporting specialist that it had been escalated again to Experian and again promising 90 days.

6 as of today XX/XX/XXXX, the hard inquiry is still on my report. I can see it has pulled down my score.

7. XXXX refuses to make another escalation because it has not yet been 90 days since the XXXX escalation, but we are now at 5 months since I requested removal.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/XXXX we agreed on a 24 month payment plan for XXXX XXXX XXXX. Upon our request ; we asked XXXX to send us proof that we signed a contract stating we agreed to pay for services over 24 months. We received from XXXX XXXX XXXX XXXX XXXX And XXXX form dated XX/XX/XXXX and the signature did not even come close to mine nor my wife 's signature. The form stated that we had agreed to a 60 month plan which was false. We also received a XXXXystem Purchase and Services Agreement dated XX/XX/XXXX. The signature on this form was no where close to mine nor my wife 's signature also. So these forms were fraudulently signed and stated we agreed to a 60 month plan instead of the 24 month plan we agreed to. 
The signatures on both forms do not even match, nor or they close to the same signature, which proves we did not sign these forms. 
Please review and respond to whatever steps we are to take next. 
Thanks! 
XXXX XXXX.
Consumer complaint received 2023-12-03
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2022-12-13
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. (CA)

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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2018-12-30
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: PNC Bank N.A. (MI)

I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.
Consumer complaint received 2023-06-14
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ;
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I went to my XXXX for some testing I had full coverage insurance at the time. 
I paid the remainder balances my insurance didn't cover for every visit. 
I was then informed that I needed additional testing at the cost of {$500.00} for an at-home test to XXXX XXXX XXXX XXXX. I agreed to the price and went ahead with the test. 
I waited for the results and never heard back from the Dr . I called for the results and never got a return phone call. I then posted a negative review of the doctor 's practice on XXXX  reviews. a month later I received a bill from the doctor 's office for over {$5000.00} for an at-home XXXX XXXX that I was told would be {$500.00} and I also never received the results. 
my insurance company was never billed for this either I'm assuming that would be insurance fraud and that's why they were never billed. now I have received calls and letters from collection agencies for this fraudulent billing. i really could use your help please XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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: Nelnet, Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/NELN Balance details 11 % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XX/XX/2023, I was in the process of getting my own rental. I had spoken with this lady by the name of XXXX XXXX who was claiming she owned the property. I mistakenly gave away my SSN and information to this person, who in return hacked my Chime account, and proceeded to steal {$1000.00} from my account. The email was XXXX who stole my money. I had filed a Police report against XXXX like Chime had asked me to do. This police report would be used a reference for the dispute investigation. I went through XXXX different investigations, just for Chime to tell me, that there was no error and that they contacted XXXX ( the supposed merchant ). I fell victim to a scam, and at the end of the day, my own bank in result, closed my account but left XXXX XXXX completely open.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2023 I mailed LVNV FUNDING, RESURGENT a notice to remove furnished collection account information placed on my consumer reports after my opt out request under the Gramm Leach Bliley Act 15 USC 6802. 

They did not respond to my notice or remove the collection reporting. 

It is now XX/XX/2023 more than 30 days since delivery.
Consumer complaint received 2018-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, my daughter drove me to a chase atm to attempt to withdrawal {$300.00} dollars for my checking account. She assisted me with the transaction. However, when it was time for the atm to give the money, on the screen appeared a message saying that the atm machine was unable to give cash. So we retrieved my debit card and waited for a transaction receipt but the machine did not print one out. Therefore, my daughter and I left without any money and receipt. About two weeks later, I checked my bank statement to check my balance and in the statement it appeared that I had withdrawn {$300.00} dollars, which was incorrect because that night the atm did not dispense any money. 
My daughter then assisted me with contacting Chase bank to address the problem and gain my {$300.00} dollars back. The Chase representative then said it will take 10 days for them to review the case and will then contact us with the outcome. 10 days later, I received a later from chase stating that the transaction was processed and that in fact the money was given by the atm. I then chase bank contacted by phone again and asked for them to review the surveillance video to verify that the machine did not dispense the {$300.00} dollars. They then said I needed to file a police report because that would be the only my way to gain access to the surveillance video. I attempted to file a report with the XXXX XXXX XXXX sheriffs department. A deputy was sent to my home where the deputy informed me that they couldnt do anything about it. To this day I have not been able to gain my {$300.00} dollars back and I have not been able to get the right guidance and help to obtain my founds back.
Consumer complaint received 2023-05-17
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXS XXXX  Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$500.00}. Experian XXXX XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. Experian XXXX XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$1700.00}. 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 an account without my written instruction.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX sent XXXX a letter on XX/XX/XXXX saying the appreciate me for choosing them as a new home and are sorry to see me go ( I've lived in XXXX  for XXXX decade now ). Attached was an invoice dated XX/XX/XXXX for application, admin, and nsf fees due totaling the amount of $ XXXX spoke with the complex and asked them to send me what they have ( app, id, something ) and they refused since i told them this is fraud and I've never applied here. They said don't worry about it and it will be taken care of. I've made a police report about this and several other complexes this girl has applied to, XXXX case # XXXX XXXX case # XXXX. This past weekend I received an email from XXXX saying my credit file has been changed and my score decreased. I opened the email and saw there was an open collections account Columbia Debt Recovery LLC in the amount of {$550.00} for XXXX XXXX date opened XX/XX/XXXX, balance updated XX/XX/XXXX. I am waiting for the bureaus to open so I can call and dispute this once again.
Consumer complaint received 2023-04-25
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: U.S. BANCORP (CO)

I phoned Fidelity on XX/XX/XXXX to report a fraudulent charge on my Fidelity rewards Visa credit card. There was a charge of {$4000.00} made by an art gallery in XXXX XXXX that I have never been to. I noticed the charge on my XX/XX/XXXX statement as I was working on my XXXX taxes. I told the Fidelity representative when I phoned that I noticed the unauthorized charge from XX/XX/XXXX as I was reviewing my statements while combing through receipts. They immediately cancelled the card and issued a new card and opened the fraudulent charge case. My account was credited initially, but Fidelity put the charge back on my account after deciding to not defend my fraudulent charge claim against this gallery. I was never told the outcome of the claim via email or mail. They just put the {$4000.00} charge back on my account. A representative from the bank card phoned me the day after I submitted the fraudulent charge. I told her I have never been to the gallery or heard of the gallery. She asked me if I buy art and I said yes, but I can not afford to buy art for {$4000.00}. I generally buy art from friends or small local art shows for {$100.00}, never {$4000.00}. I phoned today to follow up on the claim and the Fidelity representative told me that because I told the person ( honestly ) that I do buy art, they put the charge back on my account. I DID NOT BUY ANYTHING FROM THIS GALLERY, NEVER HAVE BEEN TO IT OR HEARD OF IT! 
Their ruling is completely subjective and unfair. I gave them my honest report of what happened and I have been a loyal cardholder for years. 
I asked the Fidelity representative ; what if they asked me if I ate food? And answered yes, after disputing a charge for online groceries?

The charge by this art gallery was unauthorized by me, Fidelity never protected me when the charge was made- I should have been contacted when the charge was made or attempted by this gallery. It was a suspicious charge and Fidelity did not protect me then and they are not protecting me now. I am furious and plan to write a letter to a fraud supervisor at Fidelity and speak with an attorney. 
Another question I ponder on the suspicious charge going through and approved by Fidelity- why an even {$4000.00} charge? Art is taxable and the charge they approved was even. They have a terrible fraud/alert system in place, and they need to protect their clients.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

The Amex account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/2021 Balance : {$28000.00} .... 
Account number :
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I recently submitted a claim regarding a fraudulent unauthorized claim placed on my account through a third-party service sponsored by my bank XXXX NFCU ). {$700.00} was transferred from my account without my knowledge or consent. When I noticed the fraudulent charge I immediately notified my bank & placed a claim for investigation. 

Last week on XX/XX/XXXX I was locked out of my account without notice and unable to access any of my online banking services to view or access any of my accounts with the bank. I later was notified that my claim was denied despite me explaining clearly that I DID NOT authorize or consent to the transaction and believed that a family member whose name was on the receiving account was who I suspected of the nefarious act, due to having access to my phone and subsequently my banking app. 

Even though they denied my claim they still claimed my account was " compromised '' and needed to be closed and transferred to a new account. I was forced to jump through several hurdles and tasks to get the bank representatives to give me access back to my account. I was never given any information as to why my claim was denied despite my claim that I would provide any information I could provide to support my claim.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXXXXXX. XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.