davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-25
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: Affirm Holdings, Inc (CA)

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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (MN)

I have not received my new Destiny Mastercard replacement card. I been waiting on a replacement card for over 1 month. I want Destiny Mastercard to mail me my new replacement card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2023-07-27
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. (OR)

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 2023-07-27
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. (CT)

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 2022-12-02
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX : {$110.00}XXXX XXXX XXXX Balance Owed : {$0.00},
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: EQUIFAX, INC. (VA)

I asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.
Consumer complaint received 2022-12-13
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: Bread Financial Holdings, Inc. (MI)

COMENITY BANKXXXX XXXX XXXX a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. COMENITY BANKXXXX charge off shall be removed from all consumer reporting agencies reports immediately.
Consumer complaint received 2023-07-27
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: Chime Financial Inc (MI)

Ive tried to called chime on multiple occasions and even asked to speak to a supervisor and Ive talked to multiple ones and nothing they keep denying my claims messing up my accounts and hanging up I think they agents are stealing from customers Ive even sent in police reports and showed proof and nothing they just keep sending my denial emails and canceling my cards and sending my new ones but thats not fixing the issues charges still was made on my account due to my phone and card being stolen over XXXX was stolen from me if not more and I already complained and nothing has happened another incident a shop charged me for a oil change just to put dirty oil in my car and charge me extra for an alternator and I called and told chime I never got an alternator and they denied that too even after I was on the phone with them at the shop
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: Experian Information Solutions Inc. (TX)

I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. 
Then I ran a credit report and noticed a phone number, address, and credit line with " XXXX ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( XXXX ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.
Consumer complaint received 2024-05-06
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. (NJ)

15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. Experian XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX & XXXX # XXXX.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (DE)

According to Reg Z, 1026.53 Allocation of payments, the general rule is : the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rate. After reviewing with servicing my last XXXX statements, it's very clear that the interest charges I've accrued have been incorrectly charged. Rather than allocating my payments to balances that are being charged my regular APR rate, they are being distributed across all of the " plan '' balances that I have. The rest of the plan balances are not being charged any interest. 

The statement is also not clear how these payments for each of my plans are being calculated. The way this is being done, it would mean that I would never pay off the balances in time.
Consumer complaint received 2022-12-02
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: PNC Bank N.A. (FL)

PNC is reporting blatant inaccurate, inconsistencies on my credit report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. I have never been late yet the payment history shows a late payment. This 1 late payment out of my entire history is holding my credit from its full potential and I have NEVER been late.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-07-27
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-07-27
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I got notifications from XXXX XXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

For over 6 months I was able to log-in to my account and make payments with no problem. Recently in XXXX or XXXX, my access to my account was removed. I have called Citizens Bank 3 times to try to get this resolved. When I attempt to log-in, it says my information is not valid. On my 3 phone calls to the bank we have confirmed all of the information I am entering is correct. We have confirmed my username ( e-mail address ). However, when I enter in the information it is not accepted. This must be a software problem or something. We have tried multiple computers, browsers, etc. They also tried to change my e-mail on the account to see if I could log-in. The system is preventing this. I even had a late payment due to the fact I could not log-in and make a payment. My calls were on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I call I am told that someone will get back to me within 2-3 business days and I never receive a phone call. I have been given a ticket number and told this problem is being escalated but it has not been resolved. The ticket number is XXXX. When I called on XX/XX/XXXX the operator did not want to give me the payment address and kept telling me to do the payment over the phone. I can not get into my account to see any information or pay the bill.
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

Certified letters including police reports were mailed and received by XXXX XXXX/Resurgent Capital Services on  XX/XX/XXXX @ XXXX hours,XX/XX/XXXX @ XXXX hours, and XX/XX/XXXX @ XXXX hours. XXXX XXXX XXXX agency also received a certified letter on XX/XX/XXXX @ XXXX hours requesting validation of several accounts that were established without my knowledge and consent due to identity theft. Both XXXX XXXX/Resurgent Capital Services and XXXX XXXX XXXX agencies have NOT been able to provide proper debt validation according to the FCRA guidelines within the 30 day time frame.