davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus 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. Here is the list of accounts that do not belong to me : XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ME)

On XX/XX/2022, I experienced problems logging in to my Experian account, preventing me from lifting the freeze on the account. 

That same day, I wrote to Experian to the address provided ( XXXX XXXX XXXXXXXX, XXXX, TX XXXX ) and requested they immediately contact me via telephone or email to assist me in resetting my username and password. Pursuant to Experian 's instructions, I enclosed the necessary background information. 

I did not hear back from Experian. 

On XX/XX/2022, I again wrote to Experian, this time to the address provided ( XXXX XXXX XXXX, XXXX, TX XXXX ), as well as the address provided by the Bureau of Consumer Credit Protection in the State of Maine, where I reside ( XXXX XXXX XXXX, XXXX, TX XXXX ). I repeated my request that they immediately contact me via telephone or email to assist me in resetting my username and password, and enclosed the necessary background information. 

I received a notice from Experian, dated XX/XX/2022, stating that they have permanently removed the security freeze from my personal credit report. Unfortunately, Experian failed to address the underlying problem and has yet to assist me in resetting my username and password. Without resetting my username and password, I am unable to access my Experian account and keep track of my credit score. 

I would appreciate your assistance in having Experian immediately contact me via telephone or email to assist me in resetting my username and password.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (FL)

The late payment occurred in XXXX of XXXX during the nationally declared Covid-19 Emergency. I called in Target in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with Target since XXXX of XXXX. I think it is egregiously unfair for Target to have reported this one late payment, resulting a drop in my credit score of XXXX XXXX This action by Target has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for Target representatives to say now in XXXX XXXX XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by Covid-19 to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX XXXX XXXX  and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TN)

I have a credit card account that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be deleted and removed from credit file immediately! 

Citibank credit card acct # XXXX needs to be deleted and removed from my credit file immediately Section 602 of the FAIR CREDIT REPORTING ACT stats 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

This is not fair to me this behavior is in acceptable! You are being negligent noncompliance with my consumer report!

The FAIR CREDIT REPORTING ACT states in section 603. Definitions ; rules of construction ( d ) Consumer report. ( 2 ) Exclusions. The term " consumer report '' DOES NOT INCLUDE ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You have been notified notice, & is now aware of this. By not deleting and removing this information and account is a VIOLATION OF THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This bank charged me 7 fees because they " decide '' how and when to post your money and allocate funds. I deposited enough CASH ( which should be available instantly according to their XXXX  ) to cover my overdraft charges. I figured since I covered them all that if I overdrafted again I would get ONE charge so I made one charge. Well they didn't post the cash and they didn't apply it and left everything pending and charged me 7 overdraft fees @ XXXX each because they did the overdraft fees in batches ( one at 4 OD fees @ XXXX and then another for 3 for {$100.00} ) even though I had enough cash to in there to cover everything but ONE. They did refund four but refuse to refund two more and I refuse to pay the {$170.00} I owe them now, I told them I would accept ONE OD fee for {$35.00} and pay {$100.00} or whatever it comes out to be from my one XXXX dollar charge but they said since they waived 4 they wont waive any more then tried to upsell me a account with maintenance fees. I REFUSE TO PAY THIS BANK ONE CENT, I WANT THE ACCOUNT CLOSED and at this point i will ONLY pay the amount I owe without *ANY* fees attached or I won't pay one cent at all and they can keep tacking fees on while the account is stagnet until they close it
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have already submitted a complaint about them cashing a check that they said was fraudulent and then closing my account after the fact and tryjng to tell me I am responsible for paying for it. Even though the check was never able to be cashed after the fact because it had already been processed.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-10-17
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. (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 15USC 1681. 

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 604A 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 2023-04-18
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. (CA)

I have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX  where there was an issue with the company that still wanted additional fees- this issue was resolved in 2017 and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: Foursight Holding LLC (AL)

Letter sent XX/XX/year> for no permissible purpose for the below FOURSIGHT CA XX/XX/year> XXXX FOURSIGHT CA XX/XX/year> XXXX This company reported info to a non affiliated third party without my permission, nor did they verify with me for permission or give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

My Chime banking account has been hacked. They have refused to refund the money that was spent in some XXXX shop. I live in Ohio. I've proven to them all of this and still haven't got my {$380.00} dollars back.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I filed a complaint with your agency XXXX American Express after multiple letters and emails from me, finally responded to the Government with a bogus, lying explanation. 

I have multiple emails to me from different people who told me, my card did not exist on their system ... .my card which says XXXX. 
THEN ALL OF A SUDDEN WHEN THE GOVERNMENT IS LOOKING AT THEM, they come up with a lame exuse that I cancelled the card. What????? Why would I cancel a XXXX XXXX XXXX. 

AMERICAN EXPRESS HAS NOW LIED TO A FEDERAL AGENCY. 

I demand a full explanation. when was this card issued? What records ( all of a sudden after 4 months of inquiring and being told their computer doesn't have a record of my card, they come up with this wild story " i '' cancelled it??? WRONG. 

IF SOMEONE GIVES ME A CARD WORTH {$100.00}, i DON'T CANCEL IT ... THAT IS A NUTS STORY THEY GAVE YOU. 

YES, they called twice, but never answered the phone when I returned a message. Ignored my voicemails when I could be reached. 

American Express has lied to you. My plastic card has prepaid gift card phone number on back of it. An XXXX number which I initially tried ... .but their computer had already erased it because it expired... according to card front in XXXX -- during the height of the covid lockdowns, so it was never used until I tried in XXXX. 

I ask the government to keep this open. American Express is lying, bluffing, failing to honor a pre paid card ( per the card itself ) and changing its story already in emails to me.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Unauthorized inquiries have appeared on my credit report by these creditors XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (GA)

Ive have this vehicle In my possession since XXXX XXXX XXXX  or a little before. 
Ive made payments on this vehicle and the balance is greater than where I started. And in XXXX of XXXX I had to change the water pump, heater hoses, Replace shocks, Rotors, Map Sensor, replace the starter, and positive battery cable etc. Totaling {$4300.00}. 
And the vehicle is still not running ( NOW ). 
And my payment went from XXXX a month to {$550.00} a month LENDMARK FINANCIAL SERVICE {$17000.00} Balance last reported on XX/XX/XXXX Original balance {$15000.00} You've paid XXXX % of this loan Monthly payment {$470.00} Overview Monthly payment {$470.00} OpenedJun XXXX, XXXX TermXXXX months ( XXXX years ) LENDMARK FINANCIAL SERVI loan Your estimated interest rate is higher than XXXX % of members with similar credit profiles. 
Your estimated interest rate is higher than XXXX % of members with similar credit profiles. 
XXXX  % Your estimated rate XXXX - 25.9 % XXXX rate
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-06-04
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)

On XXXX of 2023 I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission and inquiries.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NC)

I would like for them to cancel my account. I asked for access to this account, because my phone number has changed, since I last used it. It has now been over 3 weeks. I sent both my i.s., and passport ( very unusual process ) via their private portal over 4 times!!! They said, that they couldn't read it. I asked for a supervisor, another 2 days wait... uploaded them again, & the same thing! I was actually initially alerted to the fact that I had even still had this a count, because I received an email, where someone else requested my password for it. My phone had been recently hacked... so I was anxious to get back in, in order to check for possible identity theft. These people have now left my account open for weeks, contributing to that same illegal process. I am livid. In fact, they are asking for very sensitive information, which I believe to be illegal, for a non-governmental agency. These peoole themselves could actually steal my, & any other customer 's information, under the guise of 'our safety '. I felt so uncomfortable sending it once, much less over 4 times! I even tried contacting them from my verified XXXX XXXX, & they referred me back to their customer service, where I've been going back & forth for weeks already. What! These people should not have access to i.d . ( front/back ), passport, & social security card ... etc., as they require ... to change a ph. Number! If it's illegal for all other non- governmental agencies, it should be illegal for them as well. Banks aren't even allowed all of that information. PLEASE... PLEASE, have other customers beware. This appears to be an illegal scam. It needs regulation. And, I want my acct. permanently deleted. Although, I'm sure that they have actively participated in identity theft by now. I need account deletion, confirmation, & an identity theft note on my account. They are lucky, that I do not sue them.
Consumer complaint received 2023-11-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

I received letter XXXX from company today dated XXXX it took months to XXXX letter, inference to CFPB ref no XXXX I'm uploading letter. Reminding you they sent a dispute paper I had to sign but when I said I didn't receive XX/XX/XXXX email. Look at reason wrong email address there wrong doing. Dispute letter was sent to right one. Come on now. They also admit there other wrong. I'm still with my money oh.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-28
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I am locked out of my account online at citi bank and on the app and have been for over a month. I attempted to go into the account on XX/XX/XXXX and was blocked and received a message that my social security number and credit card number were incorrect. I alternated and put in my account number and they still blocked me. They then stated that I should reset my password and blocked me from taking that action. I have not been able to access my account. This has XX/XX/XXXX when a previous complaint was settled.