davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by XXXX XXXX XXXXXXXX XXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is XXXX auto loan accounts reporting on my credit profile and I would like them removedXXXX account is XXXX  % paid off and even says I have no my monthly payment that my monthly payment is XXXX.
Consumer complaint received 2021-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had 2 credit cards accounts with Capital One. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted capital one, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted Capital One 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through XXXX  3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at Capital One, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely XXXX sense, and when I call in the reps are very apologetic but they have said I need to write to them again.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

I believe either Citi or XXXX stole XXXX from me. I got a check in the mail ( XXXX or XXXX ) with no restrictions on it from Citi bank for XXXX I put it in my XXXX XXXX XXXX XXXX. Citi then sent a maxed out credit card for XXXX and I was told to pay it back immediately. I paid it back XX/XX/XXXX check # XXXX. I paid XXXX EXACTLY. That should have been the end of it but Citi will not leave me alone stating their interest rate 29.99 % along with a late fee ( monthly ) XXXX on a fraudulent amount of money I have no idea where they manufactured that from. A random number in their head I suppose. 
They now think I owe them XXXX it looks like this : previous balance XXXX payment XXXX, credit XXXX, purchases ( I sent all their credit cards shredded back to them via registered mail on XXXX/XXXX/XXXX  ) XXXX, cash advances XXXX, Fees {$41.00}, interest XXXX I asked them to use the XXXX redeemable thank you points and they deleted them all no credit to me. 
Someone called and asked for {$60.00} I said I wasn't born yesterday and don't send money to people who call me on the phone. Citi immediately reported this to the credit bureaus. I began with XXXX credit score Citi has ALONE brought it down to XXXX. BY THEMSELVES. They are vindictive liars. I wrote on a check PAID IN FULL. They cashed it and think I still owe more money. I DO NOT. I am paid in full. I paid them : XXXX ; {$190.00} on XXXX {$190.00} on XXXX {$26.00}
Consumer complaint received 2022-10-29
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)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action. 
After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (NC)

I have been writing Ford Credit Executive Analyst XXXX XXXX. In reference to a paid off car loan that was paid in full in XXXX. To give you a little history this loan included several extensions granted from the Leander. I was told that these extensions were a courtesy and not be treated as late payments. After i was denied for a home loan i checked my credit and was surprised to see how all those late payments were associated to my paid off account. Under the Fair Reporting Act. Company 's reporting to the bureaus should be acquired. Ford has 14 late payments, late to the three bureaus but sent me letters stating 19 .Now they are changing the amount to 18 so you can see how I feel my rights are in violation! I've made several attempts to resolve this matter and they have left me no choice but to file complaints against them. I would like them to explain how they granted me extensions with out changing the number of months of the original loan. Before i Serve ford with a lawsuit for damages due to XXXX XXXX Handling this case I'm make every attempt to get this account changed to paid in full never late.
Consumer complaint received 2023-07-21
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-21
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)

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

I received a letter dated XX/XX/2022 from Comenity Capital Bank in XXXX, Ohio denying my credit application. The letter stated the reason as not being able to verify my SS # but the XXXX XXXX provided is correct so someone actually checked. I did not apply for any card with this company. I had not even heard of them and XXXX it to find out who they are. 
I tried several times to contact this bank to correct and inquire about this. Three times I could not get past the voice prompt. On the fourth call a woman said she was directing me to the fraud department. I was on hold for XXXX minutes and XXXX seconds and the call disconnected.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

I opened this account about 2 months ago, been using it regularly. I made a deposit into my account and they put a hold on my account with an identity issue?? Ive been in 3 different times to submit a copy of my drivers license and social. They still not allowing me to access my account or close my account??? Im very flustered at this point because I cant pay my bills and that is not a good thing with me!!! Im beyond XXXX with PNC Bank!!!!
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

I was first XXXX for 9 months then I was XXXX  and still is an unauthorized person has gotten a hold to my debit card and been using it for the last XXXX XXXX months. Ive provided documentation that Im in the XXXX  as well as a police report at the bank is refusing to do anything.NFCU Has a history of denying customers fraud claims without even looking into it. Something needs to happen Im a widow and need my funds. Ive been with NFCU 4 Years and never disputed anything.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-21
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. (MD)

I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$16.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXXredit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-07-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-03-21
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. (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.

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 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

To whomever it may concern. 

I acquired the Chase  XXXX credit card about a year ago. The card comes with a {$45.00} annual fee which I figured is worth it for the free annual night that the card gives. 
The problem is that when I got the card, the free annual night eligible to be used at any XXXX property, but now the criteria was changed and it can only be used towards a hotel up to the value of XXXX points. 
This is very upsetting considering the fact that first of all, I was unable to use my free night yet, and I was really looking forward to having a nice vacation in an XXXX property of my choice. But now that my choices are more limited, its very frustrating because this is not what I signed up for. And second of all, To change any policy while having customers already enrolled I think is very bad customer service, and not fair at all. 

I am not sure now if I will continue my relationship with this card. 

I hope that my dissatisfaction will be taken to heart to have the policy changed back. 

Thank you for your time
Consumer complaint received 2022-11-10
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. (PA)

I received a notice from a bank called Comenity Bank stating that I applied for a credit card. I have not done any applications with this bank nor heard anything about the bank. The letter states that I did an online application with that bank. The letter was dated was XX/XX/2022. It states that I applied for XXXX XXXX XXXX XXXX 
I called the bank and they stated that they would delete the application. I do see a hard inquiry on my credit report that I need to be cleared. This is a fraudulent request and the bank agrees with that fact.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-10-20
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. 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 XXXXXXXX XXXX XXXX XXXX # /ref # 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 items 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.