davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account with Portfolio Recovery for awhile now. I have sent debt validation and never got a response and I have disputed directly with the consumer reporting agencies and all they say was the account was verified but never showed any proof. For starters the reporting with the consumer reporting agencies is inaccurate.. So you mean to tell me that every time I have dispute this account you verified different information to each consumer reporting agency?? Sounds like a violation to me. Because everyone knows that anything reporting must be 100 % accurately and since each consumer reporting agency is reporting something different I know thats not right. 
Second, I never received a contract with me and XXXX XXXX or me XXXX XXXX and Portfolio Recovery. I never received an itemized statement from the XXXX XXXX account. I never received anything showing that Portfolio has the right to collect this debt. 
Now, I am demanding this account to be deleted from my consumer reports due to inaccurate reporting and Portfolio Recoverys violation of the FDCPA/
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (DC)

In XX/XX/2023, I and my husband opened XXXX accounts at TD Bank : a checking account and an associated savings account. We received checks for both along with debit cards. We requested paper statements mailed to us. But after 2 months, when we got no statement for either account, I went to the bank and asked for the latest statement. They expressed surprise, said that I was getting mailed statements, and when I said I had received NONE, they printed XXXX out for me, showing both accounts. They then said it would come the next month. 

But the next month and then the next came -- and no paper statement. 

It is now almost half a year later, and I have never received a paper statement in the mail. This may be related to the fact that after starting our accounts, TD Bank instituted a {$3.00} fee for each paper statement it mailed. Despite that, I was told by bank personnel that I should be getting a combined statement ( savings and checking account activity ) in the mail. 

Clearly, TD Bank does not want to issue my paper statement despite the law requiring them to do so if the account ( s ) are active, which mine are.
Consumer complaint received 2023-07-26
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: Bread Financial Holdings, Inc. (TX)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2023-08-06
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: Open Dealer Exchange, LLC (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2022 my floor & decor credit card was permanently closed for no reason I tried to resolve this issue and was told possibly it may be reopened but it was not I was later informed today on XX/XX/2022. When I applied for this card my personal credit was also inquired as a result of receiving this card.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Consumer complaint received 2023-08-30
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. (NC)

On XX/XX/2023 I disputed 4 alleged account ( s ) on my consumer file with all 3 consumer reporting agencies XXXX, XXXX, & Experian. After the re-investigation was conducted I received Notice on XX/XX/2023 from XXXX XXXX XXXX showing the account ( s ) were deleted from my consumer file due to inaccurate information being reported. Upon discovery pursuant to 15 USC 1681i ( D ) since the CRA 'S all use the same automated system for disputes I am demanding Experian to delete the following account ( s ) as well.
Consumer complaint received 2023-03-20
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2023-10-30
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: DISCOVER BANK (FL)

I've attempted several times to resolve disputes from over 30 days and I was put on 30 day moratorium and now today the 30 days is over and I still can't call in to speak with a customer service rep. This is insane and horrible. I am due cash back refunds which I want in a check mailed to me and want nothing to do with an unhelpful company. Thank you.
Consumer complaint received 2018-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, TransUnion, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Consumer complaint received 2023-08-25
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-12-24
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. (SC)

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, Experian has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 Experian, XXXX, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America has processed a payment against my checking account without permission. They have refunded the credit to my checking account and now state that I owe them the amount of the credit. My balance is {$0.00} but they are stating that I owe them.

I have bank statements and documentation to back up this claim. I have called customer service to close the account and was hung up on by the representative. I would like someone to contact me ASAP.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. XXXX Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.Trans-union credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

When I received my first email to begin paying Aid Advantage I tried to access my account. I dont have any login information from them, so I tried entering my SSN and birth date. The automated system told me this was incorrect. Ive tried many times calling Aid Advantage in an effort to access my account and have things fixed. I have sat on hold many times waiting to take to a representative. I am unable to get through to anyone and they dont give you an email address just a phone number for customer service issues such as this. It is impossible to reach anyone on the phone and I cant login to my account to begin payments. Now I am incurring a ridiculous amount of late fees even though I am unable to access my account due to their system errors with my SSN and birth date.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-30
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2023-11-30
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. (CA)

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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I opened a cobranded Citi-American Airlines `` MileUp '' credit card account in XXXX XXXX. The sole purpose of opening this account was to earn Loyalty Points towards status with XXXX XXXX. I have used this card regularly since then. The card earns 1 AA Loyalty Point for each {$1.00} in purchases. 
On XX/XX/XXXX, I made a large purchase ( {$4000.00} ) in order to earn 4080 Loyalty Points. In all of my previous months of having the card ( 3 billing cycles ), the statements closed on the 9th or 10th of the month. In XX/XX/XXXX, the statement closed on the 10th. When I made my purchase on XX/XX/XXXX, I was expecting the purchase would appear on my XXXX statement, which was not yet closed. And indeed, the purchase shows as occurring on XX/XX/XXXX at XXXX XXXX ET. But for some reason the posting date is XX/XX/XXXX. When I made the purchase, I thought the statement closing date would be XX/XX/XXXX, but it in fact closed on XX/XX/XXXX. Instead, the purchase appears on my current statement, closing XX/XX/XXXX or XXXX. 
This is a problem because XXXX XXXX requires me to earn the Loyalty Points by XX/XX/XXXX in order to re-qualify for my status. The only reason I made this large purchase on this card ( as opposed to paying cash or using a different card ) was to earn the Loyalty Points. And I had every reason to believe, based on past transactions, that the points would be credited to my statement that was open at the time the transaction took place. 
Today I spoke several times with Citibank customer service, including a supervisor, and they told me there is nothing they can do. I also spoke with XXXX XXXX, and they told me this is a problem only Citibank can fix. I know this is not true. If XXXX wants to credit the Loyalty Points retroactively, it can. If Citibank wants to credit miles / Loyalty Points to my account, it can. 
I now understand that there is a systems issue here that prevents purchases that happen on the closing date from counting towards that month 's statement. But I don't think I should be penalized for the reasonable understanding I had before this happened. I hope Citi or XXXX XXXX will make this right. 
I am a loyal custom of both Citibank ( with several credit cards and a savings account ) and XXXX XXXX. My family and I go out of our way to fly XXXX even when other airlines are cheaper or more convenient, and I hope they will show their appreciation for our loyalty.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Purchased a {$100.00} gift card from InComm Financial Services ( Vanilla Gift card ) in order to use with a specific vendor to purchase items for my XXXX XXXX. I have made purchases with these gift cards 3 times before with the same vendor with no problem.

When this current gift card would not work, I tried getting help from the InComm Financial Services for this card. The first help line person could tell me nothing and continued to read " canned '' responses. I asked to speak with a supervisor. She did the same. After I asked her to stop reading and to look at my card to see why it was not being accepted, she finally stated that she could not see why. I asked to speak with someone above her to try to find out why the card would not work.

She told me that there was no one to speak with regarding my problem.

I have also spoken with the vendor. They state that the problem is that the gift card does not show up as valid EVEN though the gift card online data shows AND the help desk people with InComm Financial Services state that I have {$100.00} on the card which is enough funds to make the purchase.

When I asked how I can get my funds back so that I can find a way to purchase the specific items from the specific vendor that I need, I was told that there was not a way to do that since I had already told the help desk that the card and packaging looked okay.