davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — Store credit 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. (CA)

Macys Credit Card I had filed a dispute over a year ago with Macys Credit Card for a fraudulent transaction as my mail was stolen and it contained my macys credit card. I reported the stolen transaction as it happened since I received a text alert and Macys blocked my credit card. Despite the several attempts and them crediting my account and me also paying for the balance since they took longer than they should have to clear the balance Macys has erroneously billed me after over 1 year with a minimum payment balance of XXXX which I paid to avoid to be potentially affected on my credit report. I do not owe this money and this should be covered through a loss on Macys end as I never made that purchase otherwise I would have more than gladly paid it. Macys didn't bill me for over a year and all of a sudden, for no known reason they brought back the balance onto my card and are expecting me to pya {$400.00} which I do not owe at all since it was a reported fraud transaction that they even approved as a valid claim. They didn't bill me for a whole year and something somewhere on their systems it's not showing that I owe this money? This is a malpractice thank XXXX that I reviewed this statement and noticed that they put back a previous balance that it had been cleared on a credit card that was closed due to fraud. These are the actions to which I will agree this case as been resolved : - Reimburse the customer the paid amount of {$71.00} ( since I wanted to avoid being late on my credit bureau ) - Debit their Macys Operational XXXX XXXX XXXX and credit the outstanding unapproved by the customer fraud balance on their credit card in the amount of {$330.00} and XXXX any outstanding revolving interest as this balance should and it was paid off by the bank that originates Macys credit cards as this was due to a fraudulent transaction. 
- Provide the customer with confirmation that the account ending in XXXX has been paid off.
Consumer complaint received 2022-02-26
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

in accordance with the fair credit reporting act, XXXX XXXX XXXX  acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

I only owe Citi XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and Citibank are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. XXXX XXXX hired XXXXXXXX XXXX XXXXXXXX for Citi Bank to create multiple layers to protect CITI against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both Citi and this Attorney need to be investigated. You should see the reviews on XXXX about XXXXXXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXX XXXX XXXX because they have my Social Security Number, and they are the only ones besides Citi and XXXX XXXX  that would have a MOTIVE!!!
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AL)

On XX/XX/2022, I purchased a {$100.00} Vanilla luxe bow gift card from XXXX pharmacy at XXXX XXXX XXXX XXXX Alabama XXXX. Their phone # is XXXX. The card was in its original untampered packaging. When I got home and took the card out of the original intemperate packaging I noticed the last 4 digits was scratched off the card. Also, when I tried to scan the card at a store it doesn't work.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid my XXXX balance in full before the cycle period but was still charged an interest fee. I was told its because I have to pay my card in full for for 2 months. If my acct cycles with a zero bal then what am I being charged for? Also I made my payment at XXXX on XXXX XXXX and I was charged a late fee. They claim its because I missed the cut off but Im also a bank customer and their cut off is XXXX ET not XXXXET. Thats an honest mistake and I believe I should be credited for thats
Consumer complaint received 2022-02-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

XXXX, a letter was sent regarding identity theft on my account. 605B, enforces credit reporting agencies to remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. We are well over 4 business days from this matter and the items have yet to be corrected. I will not hesitate to file for litigation for the stress and heartache. Information on this file may have been impacted by XXXX data breach and my information got in the hands of the wrong person. Accounts that must be deleted immediately are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MS)

The following was received to my email, this being the second time this has occurred. Email was received from XXXX and sent to email address of XXXX on XX/XX/2022 at XXXX XXXX ( noting I do not have any existing account to have a member ID ) : Membership ID # XXXX Member Sign In New at Experian Here are some of the recently added products and features that you can now enjoy with your membership. 

A new way to look at auto insurance We made it easy to compare and switch your auto insurance in one place. 
Learn more Free privacy scan This lets you search the web for your personal info and helps you remove it. 
Learn more Updated app features We added personalized credit tips and made the dashboard easier to navigate. 
Learn more XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account.

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 Fair Isaac Corporation. FICO is a trademark of Fair Isaac Corporation.

2022 XXXX , Inc., an Experian company. All rights reserved. 
XXXX XXXX XXXXXXXX XXXX, TX, XXXX, US Experian
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (MO)

Experian has violated my consumer rights repeatedly. I have sent a cease and desist and unfortunately, that is still being violated. I have sent identity theft affidavits, but they were ignored. The accounts in question are still being reported on my consumer report which is a major violation.
Consumer complaint received 2022-02-26
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. (PA)

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2019-09-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (FL)

XXXX, is a company that The finances good theres a negative account on my credit report that I dont believe is mine Ive done business with this company before and I have paid everything in full and I have a negative account on my credit report from the same company
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2020-07-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible
Consumer complaint received 2023-02-06
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. (IL)

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 correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I currently have a medical debt under {$500.00} with XXXX XXXX XXXX. I have disputed this debt with the XXXX, Experian, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the XXXX XXXX XXXX XXXX XXXX is not removing one fraudulent account from Wells Fargo. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from Wells Fargo. 
Unfortunately, XXXX XXXX is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.
Consumer complaint received 2024-01-04
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. (OK)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against XXXX XXXX for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted XXXX XXXX, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

XXXX XXXX has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, XXXX XXXX has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by XXXX XXXX. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted XXXX XXXX XXXX XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from XXXX XXXX. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by XXXX XXXX and their continued reporting of an account supposedly included in a bankruptcy. 
I request that XXXX XXXX be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.
Consumer complaint received 2024-01-04
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. (LA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TN)

Today I deposited XXXX into my Chime Debit Account. They only gave me XXXX. So I called customer service and was on hold for twenty minutes for them to tell me they charged a brand new card that I had used like twice XXXX from XXXX which I didnt authorize. They then proceeded to tell me they fixed it but they havent. Chime has stolen XXXX from my spot me feature in XXXX. Please help
Consumer complaint received 2023-03-08
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CXXXX 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 2023-02-17
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. (NJ)

I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.