davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I filed bankruptcy in XX/XX/XXXX in which XXXX XXXX was included as a part of my debt. The bankruptcy has been discharged, but XXXX XXXX has continued to report on my credit report as late, it was reported to Experian as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.
Consumer complaint received 2024-03-19
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. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

i was sent a American Express gift card for XXXX from my father for XXXX i tried to use it at XXXX both items i ordered were under the XXXX limit. it was denied over XXXX times. when i caleed am ex they were very rude and said they couldnt do anything because XXXX put a hold on it. When i called XXXX they told me that it was american express who had the hold on card so i cancelled all orders with XXXX now am ex refuses to refund the money to my card i would like my money refunded for the fact i couldnt use the card
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-03-14
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: Leatherstocking Group, Inc. (NY)

In XX/XX/2022, my credit was pulled ( hard inquiry ) without my authorization by a local mortgage broker. When I called the business to ask why it was done without my consent, he gave no explanation or apology, he merely congratulated me on having excellent credit. I'm unsure how he had my personal information to begin with. At the time, a former partner was working with this broker to obtain a mortgage for a property we co-owned. I feel that my credit was pulled to give unauthorized information about me to this individual. This report was pulled without my consent and he did not remove it from my credit report.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TX)

I have had an active account with Fortiva since the beginning of last year ( 2022 ) and have made payments on time since its start. I was not notified that they were to be closing my account and opening up a new account in my name ( they called it an " automatic upgrade '' ) in XXXX of this year. The first I heard about these changes were through XXXX XXXX, who let me know that the Fortiva account I had before had been closed and then another had been opened and the previous balance transferred. I got a letter and a new card in the mail a few weeks later, and when I called to have these changes reversed by Customer Service, they said they can't reverse the changes. They offered to close the account, but the remaining balance would have had to be paid in full to avoid penalties, excessive interest, etc. I never agreed to these changes, and they have impacted my overall credit scores and inquiries/account histories for my credit report. I have tried multiple times to contact Fortiva and every time I have, they tell me it's not possible to reverse these changes that they made on my behalf, even though they were done without my consent. 

Companies should not be able to just close your account and start a new one in your name without you deliberately opting IN to the change, and this company has decided that a lack of response from its consumers constitutes permission -- this is ( or should be ) illegal.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

The letters are stated with items and issues.

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 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

I am writing this letter regarding the alleged debt associated with the above-mentioned account. I am formally requesting that you provide me with the necessary documentation to verify the validity and accuracy of this debt, as well as to establish your legal right to collect on it. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX- {$390.00} Balance On XX/XX/XXXX, I attempted to make a full payment to this account reporting on my credit report in attempt to settle to the account as paid in full. During this call I was told that I would not be able to make a payment due to XXXX no longer own this debt. Which makes the balance on my credit report inaccurate.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

After closing complaint numberXXXX I wrote on XXXX social media account that Chase is allowed to change a customer 's bank branch without the customer being told and customer support reached out in a private message and stated that they could not change a customer 's branch without the customer 's consent. This is a direct contradiction to what Chase Bank 's response to my written complaint was. Attached see text message from XXXX account.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.
Consumer complaint received 2024-03-19
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-12
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 name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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 fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit card or prepaid 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: CITIBANK, N.A. (IL)

XX/XX/2022 purchased 3 items from XXXX online charged in 2 increments. 
{$1100.00} and {$4800.00} XXXX XXXX returned all 3 items and received credits for only 2 items. 
{$1100.00} and {$3700.00} {$1100.00} still owed. 
I could not get my money back from XXXX so I opened a dispute with my Citibank CC. XXXX said they would not fight the Chargeback. XXXX sent me screenshot of the chargeback saying it was lost. I expected to see a permanent credit on my account, instead I received a dispute resolution letter stating that Citibank lost the dispute because they couldnt get a payment from XXXX! I was charged {$1100.00} for something I returned!
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Signed up for checking account, and kept {$500.00} minimum daily balance as noted in the terms to avoid the $ XXXX monthly service fee. Wells Fargo inappropriately charged the fee anyway for several months bringing my account balance below {$500.00}, where they continued to charge fees in the total amount of {$330.00}. It is my belief that WF deliberately charged the fees against their own terms initially in order to bring my account balance below the stated minimum, whereupon WF continued to charge the service fee. Had WF not erroneously charged the fee to begin with, my balance would not have dropped below the {$500.00} minimum daily balance.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$360.00} XX/XX/2022 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2023-06-22
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: Experian Information Solutions Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

I was working at XXXX XXXX and had direct deposit and every Thursday when I would get paid, about 2 to 3 hours later my account balance would be negative like negative XXXX $ when I didnt even spend no money cause I was working.. If my check was XXXX $ how would it be negative a few minutes later?
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

The company appears to have purchased fraudulent/ identity theft debt from XXXX XXXX and is now representing it as occurring in XXXX of 2023. 

This has already been reported to the police and appears to have been resold rather than resolved by XXXX XXXX.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-07-11
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. (VA)

This is my XXXX  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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 2023-07-11
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: Experian Information Solutions Inc. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cannon & Cannon Firm PC (UT)

I have been contacted several times over the past years from XXXX XXXX XXXX. The lady who handles my account is XXXX XXXX. I received a call from her at XXXX on Thursday XX/XX/2018 stating that they had not received my payment from XXXX. My payment is due on the XXXX of every month. I paid my bill one day late ( my fault ) but it cleared my bank the XX/XX/XXXX. When I told her that I had already paid it she yelled at me and said that I didn't need to cut her off and was super rude about it. She stated that I didn't need to get upset, which I was not upset at that point. She then looked in their system and said that she did see that I had made a payment and that it hadn't been funded in their system until XX/XX/XXXX. and that she would let " them '' know so that they wouldn't take any further legal action against me. I have been paying on this account for 4 years and have never been late for a payment. This has happened to me several times when their system is not updating and they send me letters saying that if I don't become current that they will pursue legal action. I always bring it to their attention that the payment was made on their website and I ask for them to send me a letter stating that it was their mistake so they can't take action against me. They tell me that they will send one out to me and I have yet to ever receive one. They do not send statements to me at all even when I have asked. When I asked who I could talk to about a complaint about the way she spoke to me she informed me that it would be her that I would talk to and so she would note that I was rude by interrupting her when she was trying to help me ( which she wasn't because I had already made my payment and they had already been paid for it weeks ago ) at this point, I was upset so I called her a XXXX and then she also said she would report me to her employer for using that word when she was only trying to help. She was rude, unprofessional, aggressive, and I don't believe as a consumer I should have to deal with that kind of person.
Consumer complaint received 2024-03-19
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. (NY)

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, and, 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 2024-06-03
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/year>, I initiated a dispute online with XXXX XXXX in regard to the tradeline, Synchrony Bank/Care Credit . It was reported that the credit grantor closed the account out. However, I requested for the account to be closed originally and was never late on my payments since I had payment protection setup with XXXX. I submitted the dispute and on XXXX it showed the status of the dispute was in review and how the estimated date of completion was supposed to be on XX/XX/year>. As of XXXX XXXX and Synchrony Bank hasn't fulfilled the investigation and it has been way past 30 days.