davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-03
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. (CA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-05-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Hi, I had a XXXX  credit card that was sold to XXXX bank. XXXX  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once XXXX  sold to XXXX, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with XXXX  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY
Consumer complaint received 2022-11-03
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. (SC)

XXXX XXXX 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 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AE)

I have been a customer of Citibank on a couple occasions. Most recently, I applied for and received a credit card to take advantage of an introductory offer for balance transfer. From XXXX of XXXX of XXXX I had spent and paid {$26000.00} dollars on my active account. 

Every payment that I made on my account was over-paid ; at least XXXX dollars per month, even though my minimum monthly payment was always below XXXX. Some instances included massive XXXX and XXXX dollar payments. On my primary card with XXXX, when I overpay - the following month won't show a balance, not sure if this is the case with Citi because I had automatic payments set. 

In XXXX XXXX XXXX I made an adjustment on how my banking accounts were dispersed due to XXXX that resulted in a returned payment in XXXX and again in XXXX XXXX XXXX. Both payments that were reversed were immediately paid by me using a different account as soon as I was notified by Citi of a problem. Again, I made every single monthly payment always in excess of the minimum amount due. Both XXXX and XXXX 's payments were immediately resolved and pad in the same month and in excess as all others. Finally, in XXXX the same situation occurred as I changed my accounts back to the normal configuration ; immediately upon notification I rectified the situation in the same period and have continued to pay in excess of my minimum due every month. Even though I communicated this to the customer support as soon as I was made aware, this did not affect the decision to terminate my account. It seems excessive to shut down a positive account from a low risk client who spends a significant amount of money with Citi and always overpays, never skipping a payment during a global pandemic. Had I made manual payment, this would have never occurred, however, due to the use of automatic payments and the slow notifications to the consumer, I have now been cancelled. Had this been my XXXX card, I wouldn't have even had a minimum payment die because the payments were so high and frequent, sometimes more than once or twice a month. This seems like bad business to me, especially during these times. I am embarrassed and insulted to be rejected as a result of my loyalty and consistent positive account stewardship.
Consumer complaint received 2022-11-03
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. (SC)

XXXX XXXX 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 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I received a check from a customer/scammer in the amount of {$1700.00} on XXXX. 
I deposited the check through PNC mobile on XXXX. 
Check cleared with the bank and funds were deposited into my PNC account on XXXX. 

On XXXX and XXXX, the customer/scammer sending the check requested a partial refund of {$1000.00}, and {$600.00} through XXXX, respectively. 
I confirmed that the check cleared with my bank, and proceeded to XXXX the individual those amounts. 
In the evening of XXXX, the check was refunded. 

I called PNC to file a dispute on XXXX, once I realized I had been scammed- they indicated that the department handling such cases was closed over the weekend. 
I called PNC again on XXXX to file the dispute. 

I called PNC on XXXX to get a status update on the dispute- PNC informed me that the dispute was ruled against me on XXXX despite the charges being fraudulent and predicated on the confirmation from PNC that the check had cleared and was processed during the week of XXXX.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (CO)

I went to BJs. They asked if I wanted to credit card ; I got the card, through Comenity Bank, a Mastercard. I have NEVER used the card, but starting in XX/XX/2022, a " clothing company '' in Texas has been billing me, each month ; all those monthly charges are FRAUD ; it was NOT me who made those charges. I have called the Bank for 6 months, every phone number I could find. Comenity Bank NEVER answers their phones ; I've sat on hold in over 50 call attempts, on hold for 2-9 hours. No answer. PLEASE HELP ME!!!
Consumer complaint received 2024-04-01
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. (GA)

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 XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (MI)

The inquiry XXXX must be removed from my account immediately. 

The reports has been pending for a while and Im waiting the response from the identity theft department.
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, In XXXX of 2021, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. 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. Thank you
Consumer complaint received 2022-12-05
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. (MD)

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 XXXX 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 2023-07-31
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: JPMORGAN CHASE & CO. (IL)

the merchant gave me a preferred rate through my education institution of {$99.00} per night and the merchant falsely told me that they will adjust the rate but took my credit card and charged me double the rate so I am disputing {$680.00} charge from Chase credit card. the merchant duped me and Chase told me that since it wasn't a billing error they wouldn't refund me. but this is a clear violation from merchant where they misrepresented and falsely defrauded me.
Consumer complaint received 2024-04-01
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. (MO)

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 2023-05-15
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. (MA)

My Experian credit score has been negatively affected by accounts that were opened by someone else, using my SSN ; which in turn negatively affect my FICO score. Although I have successfully resolved this issue with XXXX XXXX and XXXX, I still have not been able to resolve with issue with Experian, and it continues to negatively affect my credit score with Experian and thus also with FICO. 

I first attempted to dispute the addresses and accounts belonging to someone else in XX/XX/2021. At the time I was living in XXXX and was able to successfully dispute the addresses and accounts with XXXX XXXX and XXXX. Both of these agencies removed the false addresses and accounts and my credit score reflected the change. However, I was not able to access the Experian site because it had an international security firewall.

When we moved back to the U.S. and were attempting to buy a house, I again tried to dispute the claims with Experian. However, I was not able to get through their online identity verification process, because it required me to verify addresses where I have never lived as my own addresses. These addresses appear actually to belong to the woman who opened these accounts. She has a public record with the Maine DOC which identifies her as a former resident of various Maine cities, and address in these cities also appear on my credit history with Experian. They used to appear on my XXXX XXXX and XXXX files, but have since been removed since I was able to successfully disambiguate my credit history. 

The Experian phone line does not allow me to connect to a representative to whom I can explain my situation, and there is no option in their menu that is appropriate to my situation. I have now been attempting to resolve this issue for over two years.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Hello, I filed a claim to Wellsfargo for fraud because I paid for a service and did not receive the service. 

They denied the claim. 

I paid for the service on three different accounts and I have proof of the interactions and the service I did not receive. 
Please help me dispute this with WellsFargo and XXXX XXXX
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OK)

I opened a priority checking account with Citibank on XX/XX/2021. Within a few days, I was then able to deposit {$500.00} in this account from the online portal. 

Within a few days, Citibank put a fraud block on the account. So that I was unable to access the account. 

When I called in ( XX/XX/2021 ) They advised that there are two methods to verify my identity. 

The first method was to send a message or call to a US based phone service. I let them know that I am an expat working overseas and would not be back in the US for quite some time. So this option was unavailable to me. Unfortunately, this information was not presented when I opened the account and I was unable to use the number I provided when opening the account, as it is a VOIP number. 

The second option was to receive a letter in the mail and follow the instructions to verify me identity. I asked Citibank to please send the letter ( on XX/XX/2021 ). I have family living at my US mailing address. I also have USPS informed delivery so I see everything that arrives and the letter never arrived. When I called back ( three weeks later ) and asked if they could resend the letter or verify my identity in another manner. They said " no '' and informed me that there was no way to access my account until I physical return to the United States and purchase a new phone service, even though it is their verification process that failed.
Consumer complaint received 2022-09-13
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 — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC (PA)

I disputed an account in collections on my credit report with XXXX. I submitted the dispute yesterday and it was completed as accurate and not in my favor. This is the second time that I have disputed this and it has been completed as accurate and wont be taken off of my report. I had an XXXX hospital visit back in 2019. I was on Medicaid at the time and was told that I would not pay anything for the visit. I never got a bill for the ambulance or the visit. I feel that it is unfair that this should be on my credit report since I never received a bill for this. I have worked hard to fix my credit and this is the only account in collections. If I had gotten a bill I would have called to talk about it or I would have paid for it but I was not notified of anything that was owed. I was on Medicaid which means I was not responsible for those charges.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX  XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!