davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. 

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (LA)

I called several Different times on XX/XX/23 - XX/XX/23 about my new checking account with US Bank being frozen. I opened this account because I have an account with XXXX and they do not use XXXX. I had a pay card with US Bank so decided to open a checking with them. I have no branches near me as I live in XXXX XXXX. The closest branch is over XXXX miles away in XXXX XXXX XXXX, XXXX. They said I had to go in person to a branch with my lD no exceptions. This is unacceptable. There must be another way to prove my identity. I have not received my bank card as of yet, but hoping that will arrive soon.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..
Consumer complaint received 2023-04-18
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: DISCOVER BANK (MA)

I used the discover link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by Discover I did not authorize this inquiry
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

I became aware of this account when I was in college and pulled my credit report for a new apartment. That was the XXXX  time I reported this account as fraud and filed a dispute. I have also spoken with the original creditor both Belk and Syncrony to notify them that I did not open this account and it had to be some sort of fraud activity. That was also when I locked my credit report. Since then over the years I have disputed, and called numerous times to get this taken care of and resolved. Now I have been receiving numerous calls from debt collection numbers hassling me to pay these funds that I never received in the first place. I will now be taking this to litigation
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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
Consumer complaint received 2023-02-05
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. (MA)

XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX ( Bank ) XX/XX/2022 I don't recognize this application.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WY)

Wells Fargo Bank. Fraudulent activity I reported on XX/XX/XXXX, XX/XX/XXXX was a holiday, over 30 transactions made to my checking account related to fraudulent activity on my debit card. All transactions were made over a period of 6 days ( XX/XX/XXXX - XX/XX/XXXX ), including a weekend and federal holiday, all the same company ( I never heard of ) and all for the same amount... .ding , ding , it should of been flagged. A total of XXXX transactions posted, each transaction was for {$38.00}, totaling {$530.00}. They opened a claim for ONE charge and kept adding overdraft fees. I had to keep calling them and complaining, they would remove the overdraft fees, but only open another claim for XXXX of the XXXX transactions. Called again on XX/XX/XXXX and again on XX/XX/XXXX, same complaint, different agent, had to start explaining ALL over again. One agent actually HUNG up on me! 
Basically, they made me wait until ALL the transactions POSTED, so they waited for someone to FINISH stealing my money for a credit to be issued and then said they would expedite a claim, but a credit would still take 7-10 days. Really?!? 
I hate this self righteous company, they are disgusting and should be shut down. I have been a customer since XXXX ( stupid me! ) and my husband since XXXX. We will be closing every account we have with them and tell everyone we know to avoid them like the plague. 
I also live in XXXX, WY, we have a branch that is never open, nobody wants to work there, so I had NO local branch to go to.
Consumer complaint received 2023-10-06
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (NY)

For some reason I am unable to use my Avant credit card. 
I called customer service and they said there is a problem with my account and they need to verify my identity. I was not notified that there were any problems with my account, I only learned about this after attempting to use my card and it was declined. 
Phone customer service said to send an email to the company via my personal email. There is no online messaging portal. I sent an email, was told to call, and this went back and forth for a while. I finally got an email from a representative who said that I need to EMAIL my documents with personal information in order to " unlock '', confirm, validate, etc. my account. There is no other way to submit this information other than email. I do not feel comfortable emailing the requested personal documents which include a valid ID, financial information, and utility bills. I am happy to provide these documents via a secure online portal but it does not appear that there is XXXX available. 
I remain unable to use my card.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (SC)

I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Consumer complaint received 2023-10-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NJ)

Yesterday PayPal notified me that someone had tri3ed to use a XXXX in my name which card I never had. The last XXXX numbers used were : XXXX I was not told the amount, vendor or date of the attempted transaction. 

I notified PayPal that it was fraudulent. 

I called XXXX and they directed me to the FTC
Consumer complaint received 2023-09-16
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohls has reported negative and harmful statements to my character to the credit reporting agencies, as consumer and original creditor I would like all negative remarks of alleged late payments removed as I consumer extended my credit to kohls and they were paid in full up front. These alleged late payments are harmful to my character
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NV)

I did a dispute with chime on a purchase I made for custom clothing that was not as described. I was denied after sending solid proof 1. Text messages between me and merchant both agreeing that if my merchandise was wrong I receive a refund 2. The merchant switched production companies without my consent and when I complained he said next time XXXX make it right so at that point he knew he messed up. 3. I sent pictures of the merchandise missing tags and the huge sizes tht were wrong and proof of me complaining to merchant Chime denied me then re oped my claim and denied me again within a few hours! They did not investigate!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Americas Car-Mart, Inc. (GA)

Americas Car-Mart at the XXXX  locations are selling cars without titles, not filing registration title paperwork and forging signatures to complete the work. They had a compliance team scrambling to complete title work. They were forging signatures to complete everything they couldnt get completed. This is known to be done at the XXXX lot as well. They are also signing customers up for tax payments without customers knowing to keep payments low and refinancing the loan when it comes due.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

Four of us travelling together went to XXXX, XXXX for a cruise. Landed at approximately XXXX on the XX/XX/XXXX, expected to have a cab sent by the hotel, but it did not show. Called the hotel, but there was some delay. A staff member of the airport found me a cab at approximately XXXX and it took me to our hotel, stopping along the way to run my Citibank credit card. The person running the credit card said it did not work, so I gave him another one, XXXX XXXX. That too was 'negative ' so my friend presented his XXXX XXXX card, which also was a no go. I then paid cash, for which I got a receipt, and we proceeded to the hotel. Once in the hotel we went on Wi-Fi and immediately started getting text messages from our respective banks asking about {$5000.00} plus charges on all 3 cards. We responded that we did not authorize the charges. All 3 cards were immediately and appropriately cancelled. Of the three cards, only Citibank went on to first post and then authorize payment on the card. We left the next morning for our 18 day cruise. 
Fraud department said since the 'chip ' was taken by the card reader then it was our responsibility to pay. We protested, and it ended up being moved to a billing dispute. The fraud department refused to look at it again. Billing dispute asked the vendor to respond and they came back saying I had either rented a car or car and driver, and it was accepted by the billing department as gospel, and once again it became my responsibility to pay. Now I can prove that I arrived at XXXX, at the hotel by XXXX, and left in a prearranged hire car to the port the next day. There is no way I would have rented/hired a car for the 24 hour period, and certainly not for $ XXXX. 
I contacted the executive department at Citibank, and have sent them all of the information, and they are supposedly looking into it. However, in the meantime the dispute center once again denied my claim, based in the response by the vendor, so I am not holding out much hope there. I contacted a lawyer who suggested I start here with you. 
Re the attachments : Here are some other attachments that I sent Citibank - # 1 gives the flight times, indicating our arrival time. # 2 was correspondence with the hotel setting up a ride from airport to hotel, unfortunately it did not occur and we ended up taking a cab from the airport. # 3 is transportation from the hotel to the port that we did take. This proves that we were in XXXX for less then 24 hours, and would not have taken a $ XXXX car hire/car service. # 4 proves we took a cruise out of the country. # 5 is a statement from the person travelling with us, who also used his credit card which was also charged $ XXXX - however, his card service was smart enough to not only deny but not turn around and pay the swindler. The last item is the receipt we got from the cab service, for airport to hotel.