davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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)

I contacted XXXX, and XXXX XXXX/XXXX  on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. XXXX responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by XXXX. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by XXXX. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.
Consumer complaint received 2024-04-06
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2018-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
Consumer complaint received 2023-07-07
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. (TX)

why and how is experian reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days
Consumer complaint received 2023-05-05
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2018-05-22
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. (FL)

Equifax is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX  XXXX XXXX -- - # XXXX XXXX XXXX -- - # XXXX XXXX/XXXX XXXX -- - # XXXX
Consumer complaint received 2018-10-19
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: CITIBANK, N.A. (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (VA)

I am filing this complaint against Enerbank USA regarding unfair lending practices and inaccurate credit reporting. 

In XX/XX/XXXX, I entered into a XXXX, 0 % interest, same-as-cash financing agreement with Enerbank USA. Around XX/XX/XXXX, I stopped receiving account statements for XXXX consecutive quarters ( nine statements ). 

Unaware Address Change : My investigation revealed that Enerbank had changed my mailing address without my knowledge or consent. This change prevented me from receiving statements and hindered my efforts to access my account online. 

Attempts to Contact Enerbank : In XXXX XXXX, I attempted to contact Enerbank via their website and phone to request statements, inquire about the final due date for the same-as-cash period, and request a payoff amount. Unfortunately, I was unable to verify my account due to the incorrect address on file. 

Due to a planned trip abroad, I contacted the vendor who facilitated the loan to assist with communication. Upon my return, both the vendor and Enerbank confirmed that my address had been changed to an unknown location. This error was the sole reason for my lack of statements and online access. 

Request for XXXX XXXX : Despite acknowledging their error, Enerbank refused to honor the 0 % interest agreement and final payment attempts made two months before the original deadline. I had already paid {$3000.00} towards a loan of {$9800.00}. However, Enerbank demanded a total of {$9000.00}, resulting in a discrepancy of approximately {$12000.00}.

Intervention by Attorney General 's Offices : I sought assistance from the Attorney General 's offices in Virginia and Alabama. Following this intervention, Enerbank agreed to extend the same-as-cash period to XX/XX/XXXX. They confirmed that paying the principal balance would eliminate interest and late charges. 

Disputed Late Fees : An additional {$180.00} in late fees was added to my account. I dispute these charges because timely payments would have been made had I received proper statements. 

Unfulfilled Promise : Enerbank representative XXXX XXXX verbally confirmed that paying the principal balance by XX/XX/XXXX, would eliminate interest and late fees. I fulfilled this obligation by making a payment on the Enerbank website on XX/XX/XXXX. 

Unexpected Charges : Despite fulfilling the agreement, Enerbank is now claiming over {$3000.00} in interest charges and requesting a {$60.00} settlement fee. 

Reason for Complaint : I believe these actions by Enerbank constitute unfair lending practices. The company 's error in changing my address led to a series of issues, including missed payments, disputed fees, and inaccurate credit reporting.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (RI)

TD Bank continues to have an advertised promotion as available here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE 29TH OR LATER THANK YOU.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Early Warning Services, LLC (NV)

I called XXXX XXXX XXXX because I was not able to open a Bank account on my behalf. I ordered Early warning and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX  XXXX XXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2023 I deposited cashiers check in the amount of XXXX in person. 

XX/XX/2023 Chase check/deposited department verified the cashiers check with the remitter, issuing bank, and attorney. 

XX/XX/2023 Chase informed me although they verified the funds they will not release my funds until XX/XX/2023. Chase escalation representatives stated my cashiers check may return, so to protect the bank from loss, they will hold the funds. 

Chase is withholding my funds that have been deposited and verified from the remitter, issuing bank, and attorney. 

This is a violation of my civil rights, consumers rights and banking law. FDIC protects all funds so therefore Chase should not be withholding my funds. 

I have attempted to resolve this issue with the bank and I have been unsuccessful. This is my second step and attempting to release my funds. If this step provides no solution I intend on filing criminal charges against Chase. 

With your assistance I ask that you assist with the release of mt certified funds that are covered under FDIC. 

Thank you kindly.
Consumer complaint received 2023-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (PA)

I canceled my XXXX auto insurance policy in XX/XX/XXXX through an agent called XXXX XXXX XXXX XXXX. XXXX XXXX as my XXXX Insurance Agent intentionally decides to renew my policy with XXXX XXXX after my cancelation without my permission even though I called to inform XXXX XXXX about my cancelation. XXXX  XXXX Insurance billed me an unauthorized charge which has Negatively Impacted my credit scores. When I called XXXX to resolve the issue, XXXX asked me to submit an insurance declaration page that clearly state the policy period for both XXXX XXXX Insurance and XXXX XXXXl insurance. I have submitted all three declaration pages to XXXX, and I have not heard from them since. 
Insurance Information and Policy Periods. 

XXXX XXXX Insurance : Policy Period XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Insurance : Policy Period XX/XX/XXXX - Present
Consumer complaint received 2022-10-27
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these accounts. 


XXXX XXXX, XXXX BANK XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

I was charged {$400.00} in an overpayment by XXXX. XXXX on my Commenity Bank credit card and the agent from Commenity bank failed to register this complaint when I called it in. I called XXXX complaints into Commenity Bank within 90 days from the overpayment charges, XXXX for the {$400.00} and another for {$300.00} but the Commenity Bank agent only filed XXXX of the overcharges, the {$300.00} of which I received a credit. A Commenity Bank manager resolved the dispute by giving me a {$400.00} credit on my statement. Commenity then reversed the credit and re-charged me the {$400.00}. I mailed a check under protest and sent them a letter to this effect. I want the credit reinstated as it was not my fault that the agent failed to register both claims.
Consumer complaint received 2023-12-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I created CD with Marcus, I used my husbands phone number to signup, it was working fine and suddenly i lost access to the account, I tried calling them and they said the phone number doesn't match back to me, so they sent me a form to fill and notarize, I'm XXXX XXXX XXXX and wanted access to this money back to my personal bank to pay debts and support my family XXXX, now I have no access to my account
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-07-07
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-10-19
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. (TX)

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft