davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

I canceled my flight on XXXX XXXX XXXX # XXXX due to covid.Canceled on XXXX website and received flight credits in the amount of {$720.00} for me and {$720.00} for my wife.Now I tried to book another flight to XXXX In XXXX on XXXX XXXX but it would not let me. First I need to change from Basic economy to regular economy to use flight credits ( extra charge )! Next I have to call in to XXXX to book flight.So I did and spoke to a XXXX XXXX and told him the date, time, flight numbers that I wanted.He finds the exact flights, dates and times to XXXX -but he tells me its more than what's on XXXX XXXX! He spoke to his manager but they won't match prices on their own website! I disputed it with Citi XXXX but lost dispute. Because they did not received additional paper docs from me but I sent the same docs the first time around.Flight credit is so unfair! If it was cash I could have booked a cheaper flight. 
I think this is price gouging! From XXXX XXXX and XXXX and Citi XXXX for not crediting the difference like I request.
Consumer complaint received 2022-04-15
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 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 2024-04-14
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Security Credit Services, LLC (IL)

I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-02-24
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. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2022-06-05
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: EQUIFAX, INC. (PA)

in accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX, XXXX XXXX CO, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT YO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, Equifax and XXXX XXXX XXXX for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I explained the above by way of notarized letters XXXX attached ) mailed ( certified ) to XXXX, Equifax and XXXX XXXX on XXXX XXXX, 2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I was on the phone with Citibank XXXX for over XXXX hours, have a XXXX  XXXX credit line and the card was getting declined, on both mine ( XXXX times and wives card ). It is all documented where I was on the phone with the fraud department, and she was on hold for all of these, didn't know why it was getting declined, the first ( XXXX ) tickets going LA to XXXX was approved the next kept getting declined and fraud for over an hour get telling me they reset it and and it ws declined, I get 3 % travel on this card and, I had to use a XXXX  XXXX card as during this period the plane ticket was going up, I lost over {$90.00} in the rewards and also the ticket price, I would say the total lost was about {$200.00} USD. I even asked for a supervisor and she kept me on hold, after so long I gave up as Citibank said I should try the card the next day, I didn't want to take a chance of loosing more, and that is horrible service, I booked the return flight, it sent me a code and I was done with XXXX  XXXX. Citibank could not resolve this
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I believe that someone posing as Paypal sent me a notification that they had detected unusual activity in my account and needed to verify security information to resolve the issue. The manner in which they reached out was consistent with how Paypal contacts me, and the appearance of the interface seemed normal to me. I think it was actually a notification on my phone, as though from the app. I entered security information, including my main credit card, my HSA card, and my SSN. I feel so stupid. I should have realized this was not normal information to ask for in order to verify activity. But the moment I realized it was a scam was when I finished the questionnaire and the interface changed oddly, asked me to verify that I wasn't a robot, and then redirected to a VPN service. I think that Paypal should be made aware that this scam is circulating.
Consumer complaint received 2023-10-18
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2022-06-05
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 instruction.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had XXXX XXXX Trauma and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

There is a XXXX credit card loan and balance on my credit report that is not me. I filed a report With XXXX and equifax for fraud and identity theft. I contacted XXXX on XX/XX/2022. I contacted equifax a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not one of my addresses.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019
Consumer complaint received 2022-02-24
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. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2024-04-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to get the rest of my money from Bank of America EDD prepaid card I was in the hospital for a year and I never authorized anybody else to use my card and I was unaware of cards activated with my credentials I still had the original card I thought was the only card until I got out of the hospital and then I didn't even get into my account for a year later cuz I was locked out when I finally got my account back I realized there was tons of activity that I didn't do they have repaid me very little of the transactions made but keep denying these last four claims I have and it was from XXXX XXXX to XXXX so it's been a long time I have hospital I have a hospital letter for my doctor proving I was in the hospital for dates of the transactions
Consumer complaint received 2024-04-14
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: TRUIST FINANCIAL CORPORATION (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2022-06-05
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. (LA)

in accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

At the time the account was established in XXXX and XXXX I was only XXXX years old and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.
Consumer complaint received 2022-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2021 I was scammed and sent transactions to scammer XXXX account with two transitions of XXXX, XXXX in total and while it was pending, I found out that it is scammer activity then immediately report to JP Morgan Chase bank to act and try to stop the transaction. Chase bank specialist was not responsive and I was direct to different departments within the company on the phone call and what they do was nothing but just file a ticket for me in their internal system. The second day I receive letter from Chase that they will not take any actions to prevent this scam activity. I explained that I have report to police and secret service and also the transaction did not gone through so there is still time to stop this happening. However, Chase was irresponsible towards the crime happening and they kept using their XXXX transaction policy that they don't take responsibility for personal transaction. At the time the transaction was pending and could have got company 's attention by risk department. After a few days the scammer cancelled his XXXX account after withdrawn the money and Chase did not do anything in these 5 days. Unlike other banks who would do their best to prevent fraud and scam, Chase used their user policy as cover to avoid any liability. JP Morgan Chase bank 's fully despise of customer 's account protection and fraud prevention responsibility is totally unacceptable.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2022-06-05
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: Navient Solutions, LLC. (IL)

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 student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A credit card was opened in my name fraudulently on XX/XX/2022. I am frustrated that Bank of America allowed this credit card to be opened fraudulently without any confirmation of my ID.