davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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: TRUIST FINANCIAL CORPORATION (SC)

I received a fraud alert on or about XX/XX/XXXX from Truist on cell phone. Contacted them and told them I did not make purchase/charge. Then put a 1 year Fraud alert with all 3 Credit Agencies, and filed report with identity theft .gov. There was a XXXX balance at that time .Now it is XXXX XXXX XXXX and I have called 6 times and spent an hour each time on phone. Escalated it twice with 2 different supervisors. I am now being charged late fees and interest and have collections calling me constantly for something I don't owe. Additionally I have now received notification from Credit companies that my credit limits have been decreased.
Consumer complaint received 2024-04-03
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)

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcraXXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid 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. (ND)

Someone opened 2 credit card accounts at comenity bank with my info name number ssn and address and they charged a total of XXXX grand in a state I never have ever been but when the bank tried to investigate it they didnt show fraud since it was opened using my info and the bank wont remove the fraud charges and want me to pay it, It accused on XX/XX/22 or so And I filed a police report and the detective said I shouldnt have to pay the fraud charges and attached is the reference number for the police report
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (CO)

NOTICE TO OPT-OUT In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I received a letter via USPS with may name and address. It was from Online Information Services, XXXX XXXX XXXX, XXXX, NC XXXX ( phones : XXXX & XXXX. It stated that they were a debt collection agency wanting to collect a debt of over {$100.00}, on behalf of a company called XXXX XXXX, XXXX. I contacted XXXX XXXX and they stated that they never had my name nor my address in their system ; they also said they did not do business with the above mentioned company or scam people. They suggested this was a scam and recommended that I ignore it. I however, do not wish to have some erroneous error/scam ever placed upon my unblemished XXXX  scores. This is the reason for this submittal.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

Discover perjured themselves before the Bureau - perhaps knowing they could get away with this by simply bribing the right people in the government - by lying in writing that a credit report was pulled or was going to be pulled for a credit limit decision- when I was literally told on the phone while applying that not even a soft pull would be done. Discover may try to destroy bank records by destroying audio recording of that phone call, because they need to cover up why bank supervisors are spreading disinformation, but I made a decision to make a request based on disinformation given to me deliberately by the bank. Furthermore, because Im just a XXXX  XXXX, they refused to even contact me ( like they would have a white person ) regarding the original complaint here or even attempt to explain to the Bureau why they were intentionally spreading disinformation to customers on whether a credit report soft pull was being done.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive been unable to get my credit report from TransUnion for over a year now. Whenever I call, they tell me that there is a technical issue, and nobody is able to resolve it. I can get my report from the other major bureaus without issue, but TransUnion refuses to give me access.
Consumer complaint received 2024-04-02
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/, called ULTA about a balance on the credit card. I asked to pay the balance in full and close the account. Both of those were done. I paid precisely the full balance. 

Subsequently they said there was an additional finance charge of {$2.00}, which over the subsequent months has now gone up 700 % to {$14.00}. It is not a lot but I am incensed by the principle of this. When you ask to pay the balance in full and close the account, they have no business going back and adding XXXX XXXX finance charges which then accumulate. You can not be faulted for not bothering with statements for an account that you paid in full and closed. Their response was its in the contract. They feel they were under no obligation to tell me the correct amount to close the account. I feel these subsequent add on fees are bogus and that why I am writing to you
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (MD)

When my daughter received her license in XXXX, I called my XXXX agent and asked if I needed to add her onto my policy. She had an older vehicle from her dad and was already covered under his insurance policy through XXXX XXXX. Because of that, my XXXX agent advised me that I did NOT need to add her to my policy. Fast forward to XXXX, I was in the process of cosigning for a new vehicle for her. During this process, I inquire what the cost would be to add her onto my insurance policy. That's when XXXX says the underwriter wants to backdate my policy to when she received her license, which resulted in a ridiculous charge just to add her. I said NO THANKS, and then opened a policy with XXXX XXXX and cancelled everything with XXXX, Auto and Homeowners. 

With NO notice or any mail from XXXX, I receive a collection notice on XXXXXXXX  for the backdated charges, {$1300.00}. They never mailed me any notice and only waited 20 days to send their predatory bill to a collection agency. 

That is what I submitted to the XXXX  XXXX XXXX - Complaint, but I just want to emphasize here that I never received any notice from XXXX about this bill.
Consumer complaint received 2024-02-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is in regarding to trying to get my free annual report from Transunion. I started in XX/XX/XXXXXXXX   trying to access my report via the free annual report website, and also via a third party monitoring service and was told they were unable to retrieve the report. In XX/XX/XXXX I begin to try to access my report directly via Transunion 's website and kept getting an error message saying my request could not be completed. I asked for a hard copy of my report via mail around XX/XX/XXXX. I called on XX/XX/XXXX because I had not received my copy by mail and was told that there is no credit file on record for me. After being hung on at least 3 times, I was then told that there was an error on my file and there were " multiple '' files on record for me and they needed to be combined. So how do I know the information is correction. 

My call was escalated to a manager by the name of XXXX ( File # XXXX ). She supposedly was submitting a maintenance request to merge all of my files in order to give me on-line access to my report. This is unacceptable to me because I have attempted to apply for various things that require accessing my credit report and have been denied. How do I know my denials were not in reference to incorrect information an/or an outdated credit report. I am not sure if what XXXX does or doesn't do will resolve my issue, but as a consumer I have been denied access to my report for over 60 days. At the end of our conversation she said it would still take XXXX business days for my problem to be corrected. So I am still having to wait another week to see what is on my report, which I am sure is VERY inaccurate.
Consumer complaint received 2024-04-02
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (OR)

I listed my truck for sale and a gentleman in Kentucky answered my ad and said he would like to purchase my truck he said he was going to send me a certified cashier 's check which he did and the amount of XXXX XXXXXXXX I deposited that check into my bank and the teller told me it usually takes two business days to clear so it should be posted to your account by Tuesday I deposit it on Thursday evening. 
This morning Wednesday XX/XX/XXXX I get a notification that my bank is overdrawn by XXXX because yesterday Tuesday I saw it had cleared and I paid a couple of bills off When I contacted the buyer they sent me this check he stopped responding to me and said I was a liar I contacted the company on the check they said I was the third or fourth person that had contacted them and they advised me that these are fraudulent checks and they refused to pay them now I'm going to be liable for over XXXX} negative on my checking account I'm just a single lady I can't do this I don't know what else to do I've never been scammed like this
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (ND)

My Exeter loan is paid in full and I have proof!! 
In accordance with the FcrA.the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 US C 1681. I told XXXX, XXXX and XXXX to reinvestigate these accounts. Child support account number ending in XXXX, child support account number ending in XXXX, and Exeter Finance account number ending in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 15 USC 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 calls to believe that the information is incorrect.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies (UT)

I filed bankruptcy. Prestige Financial has been refusing to pick up the car for 3 months now. They have been bullying me via phone and email ; i have screenshots confirming me telling them to pick up the cr. When i called them they are telling me they can ding my credit as late payment for six months or more. The car has been sitting they have a tracker on it ( that i was made to pay {$600.00} for ) still they refuse to pick up the car.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NV)

Citi. Bank. Refuses. To. Deposit. My. Check. Into. My. Acount. A. Third. Party. Check. Which. The. Bank notified. Me. That. Citi. Bank. Accepts. Third. Party. Checking. Deposit. And. The. Also. Refuse. To. Credit. Me. The. Fees. They. Took. From. Me. The. Charged. Me. For. The. Returned. Third. Party. Check. They. Stated. They. Accept. To. Deposit. In. My. Acount. And. Giving. Me. An. Elderly. Consumer. Very. Hard. Time. And. Horasing. Me. And. Being. Rude. To. Me. Unacceptable. Rude. Behavior. By. The. Citi. Bank. To. Me
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PR)

The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. 

Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. 

I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. 

Since it 's the weekend, I ca n't contact them by phone. 

pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I notified Equifax that I was a victim of identity theft and asked for unauthorized inquiries and identity theft-associated accounts to be blocked and removed. The accounts were removed but the inquiries remain and I received a letter stating inquiries are factual I then asked Equifax for information regarding how these inquiries were verified as factual specifically Per 15 U.S. Code 1681, it is Congress 's finding that the accuracy and fairness of credit reporting are crucial for the banking system 's efficiency and public confidence. Consumer reporting agencies, such as Equifax, have a grave responsibility to ensure fairness, impartiality, and respect for consumers ' privacy. 

Therefore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is mandated to furnish consumers with a detailed description of the procedure used to determine the accuracy and completeness of disputed information, including the business name, address, and telephone number of any information furnisher contacted. 

Furthermore, according to 15 U.S. Code 1681i ( a ) ( 7 ), Equifax is required to provide consumers with a description of the reinvestigation procedure within 15 days of receiving a request for such information. 

I have not received a response to my request from Equifax. As a result, I believe that my consumer rights are being violated. Additionally, I have noticed that my credit report had old inquiries that were previously removed added back to my report, and then removed again. This raises serious concerns about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint about this company, but they responded by saying they couldn't find my file. As I have an active account with them, it is clear that Equifax is not taking compliance seriously. 

the inquiries are below XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX