davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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)

In accordance with the fair credit Reporting act XXXX  # 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.

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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 has violated my rights. Or a list of inquiries : 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 2023-11-14
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. (FL)

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 2023-11-14
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)

In accordance with the fair credit Reporting act XXXX XXXX # 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.

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 2023-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (AZ)

I received unemployment benefits to my Netspend Card during COVID 19. Roughly 8k is still on th card. Despite proving that I'm me, netspend will not issue me the card. They keep telling me they sent a check but won't tell me to what address. They are basically holding this money hostage. They are telling me to call unemployment but the unemployment for COVID has closed and there is no way to reach them. They can easily fix this by sending me a check to my new address. Their customer service is terrible. I'm going to file a lawsuit against them if they do not send me a check to my new adress or send me a card with the funds on it. My dob is XX/XX/1980 ... My SSN is XXXX XXXX XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX XXXX is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.
Consumer complaint received 2017-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (MA)

This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation (OK)

Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your COVINGTON CREDIT account your way. Make your choice at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

INQUIRIES XXXX XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2023-11-14
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. (NY)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2015-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WY)

My mortgage servicer, Nationstar Mortgage, is attempting to perform a foreclosure sale on my property, by using falsified documents. There are many discrepancies on who actually is the owner/certificate holder of my mortgage. The documents Nationstar has provided, lists XXXX XXXX. Yet, in doing research, XXXX XXXX Associates have verified that there is no connection to my mortgage and their locations. Because my mortgage loan was apparently securitized, the paper work in the apparent transfers were not properly performed. Thank you for your time and attention in this matter. XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-05
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit report. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

DYNAMIC RECOVERY SOLUTIONS IS ATEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I AM REWRITING THIS ENTIRE SECTION AS THE PERSON WHO TOOK IT DOWN INCLUDED A NUMBER OF ERRORS. 

I am filing this complaint due find Schwab being unable to find the transfer of monies. On XXXX XXXX XXXX XXXX was transferring XXXX ( SEE BELOW ) from his bank XXXX XXXX in XXXX to Charles Swab and company and it has been lost since then. I have contacted my bank AND each time I call I get a different story- the latest is it is stuck in XXXX. SCHwab uses XXXX when SCHwab received he money they did not allow the transfer and they SAY THE other bank says it was never sent back. The account is XXXX at SCHwab and the money is no where to be found. XXXXXXXX XXXX was trying to put it in XXXX which is my CHECKING account. To date NO one can tell me where the money IS AND none of the people involved have thE moneys. 

XXXX HAS ASSIGNED AN INCIDENT # XXXX THIS IS A CORRECTION TO THE ORIGINAL COMPLAINT. THE PERSON TAKING THE COMPLAINT TYPED THE INCORRECT AMOUNT AS WELL AS BANK NAME. 
THE TRANSACTION WAS FOR XXXXXXXX XXXX NOT XXXX. ALSO THE BANK IS SCHWAB NOT XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Report # XXXX ; XXXX XXXX ; Phone : ( XXXX ) XXXX XXXX Hello this is XXXX and XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

On XX/XX/24 at XXXX am my wife shows me an email of a XXXX transaction she was not aware of. Therefore, she calls the number of the phone and contacts what she believes is a XXXX representative. She then hands the phone over to me. Shortly after I was informed that a chase bank rep will be calling me. I received a call from ( XXXX ) XXXX XXXX stating they are a Chase Bank representative. I was informed shortly after of a pending withdrawal from my account in the amount of {$14000.00} for BIT coin purchase. Not familiar with BIT coin regardless I was informed that the withdrawal is pending. Last I was informed by the claimed chase bank representative that the bank can recover some of the funds by capturing it on form of a gift card by either XXXX gift cards or XXXX gift cards only. Loss of {$4600.00} from my checking account on XX/XX/24.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (GA)

I AM making a goodwill attempt to have you clear up my late payment record. If you are able to execute a goodwill adjustment, I can continue building my credit score & remain in good standing with your company.
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (FL)

Section 623A6 If a furnisher learns that it has been furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only completely and accurate information. 
Company Name : XXXX XXXX XXXX of {$600.00}
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion is reporting a bankruptcy on my consumer file. TransUnion has put the data furnisher 's as being the US Bankruptcy XXXX XXXX XXXX Ohio, which is false. I have attached a letter from the US Bankruptcy XXXX verifying and stating they DO NOT furnish information to the credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies, for any third-party agencies. 

TransUnion is falsely stating this information on my consumer file and has yet to remove from my consumer report. 

TransUnion has no credible way to ensure that the information they are reporting is factual because the courts do not provide information to third-parties. TransUnion has no right to report information they can not accurately verify because they're not privileged to get any information directly from the courts.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (OH)

XX/XX/year> ( approx ) - My debit card was skimmed XX/XX/year> XXXX all ATM cash withdrawal charges were fraudulent XX/XX/year> - I called to report the fraudulent charges. They cancelled the card and told me they would research the transactions. 
XX/XX/year> - I called for an update and was told there wasn't any new information. 
XX/XX/year> Received claim denied {$1500.00} because I had the card in my possession and there were ATM charges in the middle of my debit card purchases. I called them and asked for more information. I was told they would call me back. 
XX/XX/year> I never received any communication. I told them my credit card was skimmed and there had to have been a camera used to see my PIN. Thus, the ATM transactions in question were still fraudulent. I made it clear I was asking for all documentation used in making the fraud determination per Reg E. 
XX/XX/year> Called and had to leave a message with their fraud case asking them to call me back. I tried to look at my account online and it has been suspended so I can not see any of the transactions.
Consumer complaint received 2023-11-14
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (IL)

I disputed this item its not my account the world finance account keep hurting my score I want it removed from my credit please!!!!!! I got a kid on the way just hurting me more and section 609 of the FCRA gives you the authority to request detailed information about items on your credit report. If the credit reporting agencies cant substantiate a claim on your credit report, they must remove it or correct it.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I am writing to highlight the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section underscores the crucial role of consumer reporting agencies ( CRAs ) within our financial system and emphasizes the need to treat consumers fairly, impartially, and with respect for their privacy rights. 
Given that both XXXX and XXXX function as consumer reporting agencies, it is essential that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure the confidentiality of my private information and to prevent unauthorized sharing. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Unfortunately, this requirement has not been adequately met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. It appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter
Consumer complaint received 2023-08-08
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)

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-14
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MI)

I am writing to formally lodge a complaint against CitiBank for the handling of my account following a compromise on XX/XX/2024. Despite numerous attempts to resolve the issue, the response from customer service representatives ( CSRs ) was inadequate. My request for an expedited replacement card or a virtual account number to cover expenses for an ongoing trip was met with no assistance. Furthermore, I encountered repeated difficulties accessing Citi 's account services, either due to system outages or misinformation provided by CSRs. 

Additionally, there is confusion regarding the issuance of a replacement card to my wife, which was neither requested nor necessary, as her card was not compromised. This incident raises concerns about the bank 's internal communication and procedures for handling fraud disputes. 

As a customer, my expectations include a functional website, well-trained CSRs who can provide knowledgeable and compassionate service, and accurate information that aligns with what is presented online. The lack of these basic services has not only caused inconvenience but also a lack of trust in CitiBank 's ability to safeguard my account and provide reliable customer support.