davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (TX)

Since XX/XX/XXXX, I have escalation regarding the late payments made by account assure pro a subsidiary owned by community bank that my XXXX payments are not being made on time or of made at all. I have called weekly since XX/XX/XXXX and was told I would receive a call between XXXX business days But as of XX/XX/XXXX, I have not received that escalation phone call as promised. Since XXXX payments are not being posted on time or they are not being posted at all. I am paying for a service that is not providing payments as promised per their agreement and contract. Since XX/XX/XXXX I have called every single week to account assure pro and they assure me the payment will post and I will receive a call within 2 days or less. That call never comes through. I have called 2 times ore. once in XXXX and once in XX/XX/XXXX. A woman with a Spanish accent answered the phone refuses to let me talk and tells me they are not handling my account while giving me the phone number XXXX XXXX which is the number i call her at and she refuses to let me speak to a supervisor. on XX/XX/XXXX, after again denying me to speak to a supervisor, she gave me her name XXXX. This person is refusing me service on a benefit that i am currently paying and have payed on for years. On XX/XX/XXXX after i had to call back to speak to another representative because " XXXX '' refused to transfer me or do her job. I spoke with XXXX, the same representative that I spoke with on XX/XX/XXXX. She informed me again the payment would be posted soon. I told her it was almost a month and the payment has not posted. I requested to speak with a supervisor but the supervisor I have spoken to previously has been " busy '' these last few calls and I can not get to her. No one knows why my payments aren't getting posted and no matter how many times I call, I get told I will receive acal from a supervisor or an analyst but no one calls me. XXXX informed me on XX/XX/XXXX that a supervisor would contact me by the name of XXXX or XXXX and as of this filing, v no one has called me. I have givn my work number and instructed to leave av voicemail but no one is calling me. These services are not free and while I am paying for them, my payments aren't being made on time if made at all. 

I currently have a new claim pending and am afraid my bill won't getr paid per the service agreement. This Account XXXX XXXX has been nothing but problematic. No one calls me back, no one answers escalation and no one knows anything that is happening.
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: EQUIFAX, INC. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-04-01
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. (FL)

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
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. (DE)

XXXX XXXX XXXX you have reported 100 % perfect payment history on XXXX however my Experian consumer report needs to be updated for the month of XX/XX/year> as paid on time and or report as okay.
Consumer complaint received 2024-03-26
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. (TX)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

No accurate reporting in XXXX : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX XXXX 2. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in EXPERIAN : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX 3. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (WA)

from XXXX  related to XXXX and XXXX exchange service their phone : XXXX illegaly and wrongfully withheld XXXX from my SS check and have no other income source. 
Crime : Stolen identity or terrible errors in billing XXXX is the bill collector for XXXX and XXXX XXXX XXXX a gov. related busisness. ( XXXX ) Thank you so much ; A bill collector named XXXX, with XXXX XXXX and successfully garnished my Social Security, without even notifying me they would do so. I outlined for them a three page document pledging the statements to be true that it would be impossible for me to have order and not pay for items they claim i ordered but did not pay for. I appealed to them to show that I ordered such items ; they could not provide any documents to prove I had ordered ten items. They, then threatened to garnish my SS which they did on the tenth of XXXX of this week! I sent to them two and a half weeks prior to their garnishment explaining my reasons why I had not even ordered these ten items totaling about XXXX! They did not respond in any way to my emails and phone calls but just removed XXXX from my monthly check! They claim that I ordered these items, but I did not. They sent me some impossible to read pictures of items having arrived to my front deck of my house. But those items were delivered in XXXX and XXXX, but they did not send me any bill for these items until XXXX, and it was only an obscure e mail. 
No business letters never arrived until XXXX, and when it arrived it did not look like business bill! Therefore, I did not take it seriously. About mid XXXX I got a letter from the treasure department warning me of my un paid bill. It was a bill for XXXX. I knew I had never bought anything from XXXX and XXXX XXXX, so I thought it was a mistake. 
By XXXX They finally sent me another letter, then warning me that they could have my SS income garnished. At that time I phone them and they told me they would phone me back to explain their action. They never phone me. Finally after repeated pleas on my part to explain my innocence of these charges. 
XXXX never answered how would it ever have been possible for me to have them send items to me without my paying for these items in advance, i.e. a charge card or check. ( I do not use charge cards at all, and do not write checks. ) I asked them repeatedly, why would they send me items they charged me for, that I had never ordered? Further, why would they send me anything if I had no charge account with them. ( I had no charge account with them. ) Even if I had a charge account, which I did not, I could not charge more than XXXX dollars and they claim I had a XXXX bill! 
XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

The credit card company XXXX, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was {$0.00}, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company XXXX, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with XXXX. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them XXXX XXXX and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called XXXX XXXX.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

As per my other complaint with XXXX XXXX. 

My carpayment was withdrawn XXXX times for XXXX. the funds were removed on XX/XX/XXXX and XXXX. XXXX XXXXXXXX stated that the funds were returned on XXXX second and posted to my account on XX/XX/XXXX as a refund. 

Huntington bank stated on multiple occasions that they never received a funds return. I asked for something in writing stating that the funds had not been received preferably by email. They said they could not communicate that in any way. I stated I have receipts stating the funds should be back in. 

The rep transferred me to the supervisor after several times asking for it. I waited on hold an excess of XXXX minutes, then hung up because I was working. I taked with XXXX XXXXXXXX XXXX several times and they keep stating the funds were returned.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited two loan checks from XXXX XXXX and XXXX through a Chase Atm. My checkings account got closed because these checks could not be verified from chase. I called the lenders and they said they can verify the check chase just needs to call them, but Chase says they cant verify the checks because the numbers arent apart of their systems. I already made payments for both of these loans, and i have yet to get my funds from chase who are holding it, which {$5400.00}. I deposited {$1500.00} on XX/XX/XXXX and deposited {$3900.00} on XX/XX/XXXX both through a atm. My checkinngs account where i deposited both of these checks, got closed by chase on XX/XX/XXXX for the reason of them not being able to verify the checks. I have called relentlessly to chase to fix this situation and even gone to different branches in person to find assistance but they all say they cant help because of Chase systems, my lenders said chase just needs to call them to verify the checks, i already started making payments for the loan, and Chase wont release my funds, with both lenders I provided a different number for chase and they still said they cant verify the checks. HELP ME! I fear this will be an ongoing situation where I wont recieve my funds that Im already paying for :/
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

I am reaching out regarding a Fraud-claim dispute I opened with Account Holder XXXX XXXX Properties regarding a check they issued me in refund for an application fee. Here is the following information I have gathered : XXXX. The check for {$200.00} was mailed & deposited to my previous address in XXXX XXXX NJ on XX/XX/XXXXXXXX XXXX XXXX. The check was deposited into a Chase bank on XX/XX/XXXX. 
XXXX. The XXXX # was XXXX I never received this check & reached out to the Merchant/Account Holder to raise these concerns and open a dispute claim. I was told they would get in contact with their Accounting Dept. A month later, the only information that I have received is that the check was deposited into a Chase Bank account ( which I do not possess ). I reached out to Chase Bank to see if I could receive any information about the account the check was deposited into & was told they could not relay the account information to me since I was not a customer with them. 

Additionally, I am also trying to dispute things with the Merchant 's bank XXXX XXXX XXXX  XXXX XXXX XXXX  who produced the check. So far no one has given me any definitive information about who cashed the check that was addressed to me & how I can get my funds properly returned to me.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MA)

Answered email saying I owed PayPal {$580.00}. 
They put {$2000.00} in my Checking account. Somehow they had access to my bank accounts. Said I could repay by buying XXXX XXXX cards and turning the funds over to them. Bought XXXX & # XXXX. Two from my credit card account and one from my checking account. There was not enough money in by checking account so they transferred money from 2 other of my accounts to cover the cost. At this point I realized it was a scam because they wanted me to go buy another gift card. I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cleaned my computer. New bank accounts and credit card have been issued. I am out {$1500.00} and {$580.00} from a joint bank account.
Consumer complaint received 2023-08-30
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. (MI)

I disputed XXXX XXXX account with the creditor on XX/XX/23 and on XX/XX/23 it was removed and it returned on my profile with no notice with in 5 days of it being placed back on my report, which is a FCRA violation.
Consumer complaint received 2024-01-11
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: Fidelity National Information Services, Inc. (FNIS) (MD)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
Consumer complaint received 2023-09-22
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. (NC)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX PROVIDED THESE TERMS AND AGREEMENTS WHEN THE CARDS WERE ISSUED TO ME. THE SAME TERMS AND AGREEMENTS APPLY CURRENTLY AND WERE CONFIRMED WITH TERMS AND AGREEMENTS SHOWN ON YOUR WEBSITE HOWEVER AMERICAN EXPRESS HAS REFUSED TO REOPEN MY ACCOUNT AT MY REQUEST AND ALLOW ME TO PAY THE {$25.00} FEE TO REOPEN. THE ACCOUNTS MENTIONED STILL HAVE BALANCES OLD AND I WOULD LIKE THEM REOPENED. THEY WERE CLOSED BY ME IN XX/XX/XXXX DUE TO MY REPORTED IDENTITY THEFT ISSUE MERELY TO PREVENT FRAUDULENT CHARGES THAT I AM STILL TRYING TO DISPUTE WITH AMERICAN EXPRESS. I HAVE BEEN MAKING ON TIME PAYMENTS EVEN THOUGH ALL THE CHARGES WERE FRAUDULENT TO PREVENT ANY NEGATIVE REPORTS TO CREDIT AGENCIES TO PROTECT MY CREDIT. AMERICAN EXPRESS STILL HAS NOT SUPPLIED ME WITH REQUESTED STATEMENTS TO BE MAILED TO ME FROM XXXX XXXX XXXX XXXX XXXX WHEN I REPORTED IDENTITY THEFT IN ORDER FOR ME TO DISPUTE TRANSACTIONS. I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX. I WANT THESE TWO CREDIT CARDS ACCOUNTS REOPENED AS PER THE TERMS AND AGREEMENTS AND AGREED TO THE {$25.00} FEE TO REOPEN. AMERICAN EXPRESS REPLY TO ME WAS AT THESE TERMS NO LONGER PERTAIN TO ME. I FEEL I'M BEING DISCRIMINATED AGAINST AFTER MY REPORTED IDENTITY THEFT IN XXXX. AMERICAN EXPRESS HAS BEEN DIFFICULT AND UNHELPFUL WITH MY REQUEST TO DISPUTE ALL OF THE FRAUDULENT TRANSACTIONS. THEY HAVE BEEN AT BY SEVERAL TIMES I MUST HAVE COMMUNICATION VIA US MAIL AS MY IDENTITY THEFT WAS THROUGH A CYBERSECURITY ONLINE BREACH ACCESSING MY ALL OF MY PERSONAL AND FINANCIAL INFORMATION.