davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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)

good afternoon Team Experian Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn 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 2022-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

I tried to use a discount promotion online with my XXXX credit card issued by Comenity bank this afternoon. Online they said the items were excluded from the promotion. However on the promotion card it said that it was {$30.00} off of any purchase of {$100.00} or more and it did not specify the exclusion of any items. I did talk to the company finally after a prolonged period of time waiting online and they did give me the discount. However many people would be deceived by the discount card. There was no disclosure on the discount card I received that said any items would be excluded. I explained that to the woman on the phone and she eventually gave me the discount. However many people would not see that and would be deceived and will pay a higher price and they shouldve. You should investigate this. Its XXXX discount on a comenity bank card. It feels like a deceptive practice under XXXX that needs to be fixed so other consumers dont get swindled.
Consumer complaint received 2022-11-22
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. (TN)

I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, XXXX and Equifax. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.
Consumer complaint received 2022-09-17
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

I received a letter from XXXX XXXX for property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a response to them on XX/XX/XXXX, indicating that the debt does not belong to me. 

I then received another letter dated XX/XX/XXXX from XXXX XXXX, another collection agency. 

Recently another letter was received from Radius Global Solutions LLC dated XX/XX/XXXX which I disputed just now via their email XXXX. 

I do not owe XXXX XXXX and they are apparently reselling the information after I contacted them indicating that I never lived at the service address. 

I would like this debt removed from my record and to have XXXX XXXX correct their system so this error will never occur again. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-09-18
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. (DC)

In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
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.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank. I notified them on XX/XX/22 that I was moving and gave them my new address. They froze my account the first time when I tried to charge to get a XXXXXXXX alarm system put in my new home. They froze my account for a SECOND time when I tried to charge a riding mower from XXXX XXXX ..... BOTH times I had to go through a ridiculous XXXX step procedure which included taking a XXXX second video of my face and photo coping both sides of my drivers license then they sent me a long verification code. Today I charged XXXX dollars at XXXX XXXX, then went to XXXX XXXX where they froze my account for a THIRD time, this time their fraud department told me I had to wait for a letter from them with some sort of code and then call them back, probably to do the 5 step procedure for the third time. Their fraud department which I believe the call center is not located in the United States does not understand and are too XXXX to understand the correct procedures to look up and see when someone has moved and has notified them in advance that they were moving.
Consumer complaint received 2022-11-22
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. (GA)

I am not a robot nor am I a XXXX party, however I am a XXXX year law student and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX
Consumer complaint received 2022-09-18
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. (PA)

I have mailed in several disputes to Experian, XXXX, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NC)

I have been using PayPal XXXX XXXX card for over 20 years with my bank account as a funding source. PayPal has decided as of XX/XX/2023 to discontinue your bank account as a back up source and is requesting the consumer to deposit money in your PayPal balance to use the card. This is forcing the consumer to add funds to PayPal so they can collect interest on your money which is a great inconvenience to us consumers and proves the greed that exists at PayPal. I do not trust PayPal with my money and therefore using a bank as a back up is more safe for the consumer. PayPal clearly does not care about their customers and only wants your money to benefit them. I want to file a complaint against them and have them investigated for bad business practices. Forcing customers to add funds to their PayPal account to be able to use this card should not be allowed. The card also offered cash back which PayPal is not disclosing will end due to this change. We entered into this cash back program in good faith and PayPal is ending the program without any disclosure.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-09-17
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)

To whom it may concern, I've sent out two letters to Experian regarding a collection on my credit report. The account still remain and not have been fully validated. This collection is shown up as a " joint '' on my report and this debt is not mine. I've sent out a letter on XX/XX/XXXX and another as well XXXX  month later on XX/XX/XXXX. 

Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX Amount : {$900.00}
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a business checking account at Citizens Bank when I started my small business about a year ago. I chose the " Clearly Better Business Checking '' account because it has has no minimum balance requirement and no monthly maintenance fee. In general it seemed like the best low-cost option to help get my business off the ground at a point in time where I 'm extremely vulnerable to any extra costs. 

When I opened the account I gave them all my standard information and my email address. Probably my phone number too. I did n't sign up for any extra services like overdraft protection and I went along with what the bank employee told me to do in order to open up the account. 

Because I 'm running an XXXX business my only expense up until this point has been a monthly {$20.00} charge from a XXXX company. When I opened up the account I initially put some money in and every few months or so I would log in and check my account to see if it needed more money to cover the XXXX. 

Fast forward to earlier this week. I logged into my account after not checking on it for a few months and I discovered I had {$120.00} in overdraft fees. I thought how in the world could this happen!? I did n't sign up for overdraft protection and I thought any charges would be denied if I did n't have sufficient funds. It turned out Citizens Bank allowed the charge to go through and my account was negative only XXXX or XXXX dollars. 

When I dug a little deeper I discovered what was really going on. When I opened the account I opted for paperless statements to avoid a fee if I remember correctly. I assumed that Citizens Bank would contact me via email, mail, phone, or text if something needed my attention. After going through obscure settings menus I discovered that all alerts had automatically been set to off! Citizens Bank was letting these overdraft fees rack up silently without telling me anything! 

As a XXXX, I know this did n't happen by accident. This is called a XXXX and Citizens Bank set all the alerts to off so it could squeeze even more money from consumers who do n't know any better and trust that banks would act honestly. 

I feel absolutely cheated. I sent them a message using their online banking interface and I have n't received a reply yet. I would simply ask that you persuade Citizens Bank to do the right thing and refund the fees. If I were notified, I would have immediately deposited more money and avoided the overdraft. I 'm a responsible banking customer and I have never overdrafted any account in my life. I would also like an explanation as to why my account was allowed to overdraft in the first place. 

Thank you.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

On the date of XX/XX/, this company opened a collection. 

Account # XXXX {$1800.00} that I owe. 

I have never signed any written document saying I owe this debt to this company. 

They're violating my right of FCRA as a consumer. 

I do not know who they are and have not received written consent from my end. 

Also, they have not verified that I owe this debt to the alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (WI)

for the last year and a half I been dealing with this situation with Commenity credit card company.I have written letters and they continue to say 15-45 days we will help and resolve this issue pending investigation with no response from the company, I have requested phone calls and emails from them and they continue to disregard.
Consumer complaint received 2022-09-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Edfinancial loan provider needs to be looked into. I requested a refund for payments made during the COVID pandemic, along with many others. These refunds are taking up to 150-200 days with no email or paper confirmation. Many people with other loan providers are receiving their refunds much faster, but Edfinancial is being unreasonable about their timeline. I need to be sure that this refund is processed before the end of the year and before forgiveness. Please help.
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation (KY)

I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

On XX/XX/23 I was told to " apply '' for a loan to purchase my scooter from American First Finance. I was approved for said " loan ''. When the scooter was delivered to my home, I was asked to sign using a tinted XXXX  device that had a colored screen protector. I was asked, sign here, sign there etc. Then I received an email from the financing company, that what I had just signed for was a " Rent to Own '' option. Charging three times more than the cost of the scooter. The fees were never discussed or emailed to me. I called the finance company and was told, I can pay it off in 101 days with said fees attached! This is not a " loan '' or a finance of any means. I was scammed into using this company and now have huge fees and penalties to get out of it. American First Finance never communicated any of this information to me prior.
Consumer complaint received 2023-04-11
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. (FL)

on XX/XX/2021 someone try to open an account with CBNA and XXXX XX/XX/XXXXXX/XX/XXXX TWO HARD INQUIRY
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NY)

My billing cycle for this credit card end on the XXXX of each month. On XXXX XXXX, my statement closed with a balance of {$0.00}. However, it was reported on XX/XX/XXXX with a balance of {$250.00}. I think that its misleading and unfair to show one balance on the statement but reporting a different balance to the bureaus.
Consumer complaint received 2022-09-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am upset that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.