davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (MN)

I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : 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 All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (CA)

Subject : Formal Complaint Against Experian for Failure to Delete Unverified Debt Dear Consumer Financial Protection Bureau, I am reaching out to seek your intervention regarding a matter with Experian. In XX/XX/2023, I formally disputed a debt that is listed on my credit report due to its inaccuracy. After awaiting the necessary timeframe for a response, I found that Experian was unable to verify the accuracy of this debt.

Under Section 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), when a debt 's accuracy is challenged by a consumer, the credit bureau must verify its accuracy. If they can not do so, they are obligated to remove this debt from the consumer 's credit report. However, despite their inability to verify the debt in question, Experian has not deleted this unverified entry from my report.

The presence of this unverified debt on my credit report has not only impacted my credit score but also poses potential challenges for my future financial endeavors. I have acted in good faith, adhering to the required procedures to dispute and seek verification for this debt. It is disheartening and concerning to see Experian 's non-compliance with established consumer protection laws. 

The Creditor Information is below... 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

I am a victim of identity theft and fraudulent transactions started happening on both of my PNC checking accounts since XX/XX/. It is now XX/XX/XXXX  and I have spoken to numerous customer service representatives and fraud detection services. PNC failed to put holds on my accounts after the initial fraudulent transactions occurred enabling addition fraudulent transactions to occur. I have been told several different wait times as to when the various transactions can be disputed and that they can not be disputed when they are pending, they must be fully posted to dispute. PNC has been negligent in regards to protecting my account and security. I was told that I now have to wait even longer for reimbursement of the disputes, leaving my husband and I with currently no money and that I can not close either of the PNC accounts until the transactions are fully posted and disputed ( disputes may take up to 90 days ) even though some of the transactions were ACH. PNC 's policy states that if a fraudulent transaction occurs via ACH the customer may close the account and obtain a new account while the disputes finalize. I have been a PNC customer for approximately 10 years and I am honestly shocked at the lack of action they have taken regarding this matter.
Consumer complaint received 2023-07-22
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: Experian Information Solutions 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. 
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 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. 

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 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 XXXXXXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter from Bank XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade XXXX XXXX FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX, XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX, XXXX  speratley.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

This is regarding a purchase I made with XXXX in XX/XX/XXXX for living room furniture for my new home. The sofa was on sale for {$2600.00} and a console table was {$1300.00} this was paid using deferred interest 245 months. I was unable to pay all by XX/XX/XXXX and on checking my bill XXXX charged me {$3300.00} in interest. I called them and the customer service representative told me that because the bill was not paid in full by XX/XX/XXXX the sale price, I receive for items purchase was retracked and the full price was applied. I told her that does not make any sense. I asked to speak with a manager/supervisor, but she told me I will be told the same thing and hanged up on me. Since opening the account my payment was made on time and apparently all payments, I made prior to XX/XX/XXXX was never applied to my balance. This does not make any sense and the interest/ balance applied to my account is excessive.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the Victoria Secret account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is in violation of 15 usc 1681b a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. EXPERIAN never had my written instructions and they did not do their due diligence to make sure I received full disclosure and an opportunity to opt out before they decided to furnish accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond adequately will force me to seek counsel in order to receive remedy for the damages EXPERIAN has caused me.
Consumer complaint received 2021-01-20
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERLA AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax this credit bureau is strange, i have credit for many years now and i paid off my card balance recently and one of my credit card credit limit increased {$2000.00} and they dropped my credit score XXXX points which is unreasonable and very disappointing as a consumer I did not understand why that is happening, it is not their business hour and i am not able to reach anyone but they can drop my credit like that, if they will not give my score back i'll file a law sue to equifax.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 fraud.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Hi, My name is XXXX and I have filed multiple unsuccessful disputes with Chime. On XXXX, XXXX 2023 my account was fraudulently access from an unknown location. Once I receive the emails stating my phone never had been changed as well as someone logged in. I immediately called Chime. At that point, I was informed a transaction of {$2500.00} was made to someone by the name of XXXX XXXX, whom I have never done business or came in contact with. I did the necessary protocol to gain access to my account by providing my ID and additional documentation that was needed. My phone number had been changed so I had to update my email as well as my phone number with Chime. Now three disputes later, my claim in constantly being denied although it shows this transaction was not made from my device, my location, or using and my phone number. The chime claim IDs are XXXX, XXXX, and XXXX. I will also be attaching the documents I received showing my account was fraudulent accessed on that date and time of this transaction. Ive requested documents from chime to justify why my claims are being denied and I am being told my account have been accessed earlier that day, so therefore, that makes the transaction valid. Im very disappointed in Chime as a merchant because this is clearly not a valid transaction and whoever this person is must have looked into my account and saw I had funds.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

XXXX XXXX XXXX took over $ XXXX from our checking account unauthorized. We went to bank with all requested documentation and they refuse to refund our stolen money. We paid for 36 months of warranty a year ago never authorized any other charges.
Consumer complaint received 2023-09-05
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX 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 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX and I am a victim of identity theft. JPMCB is continuing to report a credit card account XXXX opened XXXX XXXX on my consumer reports! I completed the identity theft affidavit and forwarded all correspondence to the credit bureaus. The credit bureaus have not removed this account from my consumer reports. JPMCB is damaging my life because of the failure to remove this account, leaving me in mental distress and at financial disadvantage. I never had this card in my possession nor have I ever received any monetary value from the card.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

I contacted XXXX XXXX XXXX in XX/XX/2018. I identified myself and indicated that I had called to pay my debt. The representative asked for my social security number and I provided it. The representative checked their system and indicated that I owed {$880.00} with the original creditor being XXXX   XXXX XXXX, which matched what had been reported in my credit report I promptly paid it. Today ( XX/XX/18 ) I received a letter from Convergent that stated I now owe {$350.00} to the same original creditor. I do not owe this, it was not reported on my credit report ( I know that reporting is not required by creditors ), it was not previously disclosed to me in any way, and its origin is totally unknown to me. I have paid what they said I owed and I would like the CFPB to please have this company to cease this harrassment.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I signed up for a credit card with XXXX XXXX and they had an offer with capital one which stated i would get the following incentives : - 0 % APR intro for 15 months - {$200.00} cash bonus once i spend {$500.00} on purchases within 3 months from acct opening - 1.5 % cash back on every purchase / every day ***** transfer info : 0 % intro APR for 15 months, 19.24 % - 29.24 % variable APR after that. 3 % fee on the amounts transferred within the first 15 months. 

*** when i called into their customer service line, wanting to transfer my other credit card balances and do a transfer balance, the customer service supervisor at : XXXX stated this is not possible on the card as they were not offering this incentive for my card, although this was not stated anywhere once i was approved for the $ XXXX limit on the card. ****
Consumer complaint received 2022-10-29
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. (CA)

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 account XXXX XXXX XXXXXXXX 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 or 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 know or has reasonable cause to believe that the information is inaccurate