davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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 2023-10-19
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. (CA)

XXXX XXXX XXXX is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, XXXX XXXX is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also XXXX XXXX Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

i am 7 years relationship customer with chase never pay late even once .but chase close all my account include a new ba airline credit card i even recieve at all and chase still charge me XXXX fee for the card i even touch.chase ask me pay for the fee first and promise refund me but it been 2.3 month already .i still dont see any refund.as a customer for 7 years never pay late with good credit history and good payment history.chase close all my account for some ridiculous risky reason like too many account and too much credit line as the superior told me over the phone. they dont even listen to me some of the account is from my family i am just additional user.this is not reasonable for me at all.they close 2 of my oldest credit card and leave some credit card close by bank on my report. this is really impact my credit report and my credit history.i hope chase can refund my fee and re open my account
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (AK)

On XX/XX/2019, I was contacted by a person that claims to represent Experian. 
The call originated from a cell phone number with an XXXX Alaska prefix. 
The call was received from XXXX-XXXX-XXXX  The caller told me that my credit cards were charging too much interest. The caller wanted to know who was the card issuer of the card with the highest balance and the amount of the balance. 

I told the caller I didnt have the information at the time. He said that he would call back at a later date and never did. 

This person I believe has no ties to Experian and was trying to scam me.
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (PA)

I closed my account with children place /comenity bank in early 2021 I had a XXXX balance with them. They charged me interest and late fees on a account that was supposed to be closed. Its now been almost 2 years and I have a XXXX + balance on a card that I havent made a purchase on. I talked to customer service and they didnt want to fix it.
Consumer complaint received 2022-04-19
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)

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX  XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct # XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
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. (CT)

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2XXXXXXXX XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX XXXX XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Hello, XXXX Claim # XXXX. Wellfargo assitance center. 


I have someone was used my ATM card in last month XX/XX/2022 ( two time as same day ) total amount {$6700.00}. I was call wellfargo and talk with them about what happend to my cheking. they tell me go to branch to report. I did go to branch and report to banker. two week late I have letter from well fargo and claim #. A letter was say I am authozized to someone to use my ATM card and my personal pin. The claim is closed. 
I did call wellfago back to asking what happend. they tell me claim is claim is closed. if I want to reopen? then I was receiver a second letter from wellfargo and had same subject is claim is closed, because I am authorized to someone to used my ATM Card and personal pin. I have a few question how that happend, but they dont anwer my question, as sample : 1. how Max limit for ATM card can use a day. 
2. who are person can set limit for each card. 
3. How can I use my card in NY as same time, same day in company. 

Please, help me to solve a problem. My Email : XXXX Thank You XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (MO)

I sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted
Consumer complaint received 2022-04-19
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. (SC)

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 a account without my written instructions Accounts : XXXX XXXX XXXX number XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX.-Account number XXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2024-03-13
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Subject : Request for Removal of Outdated Address in Compliance with Fair Credit Reporting Act ( FCRA ) I am writing to formally request the removal of an outdated address from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). The outdated address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA , consumers have the right to dispute and request the removal of inaccurate or outdated information from their credit reports. As I no longer reside at the aforementioned address, its inclusion on my credit report is inaccurate and may potentially affect my creditworthiness. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the outdated address from my credit report, in accordance with the provisions outlined in the FCRA. 

Enclosed with this letter is documentation confirming my current address for verification purposes. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure the accuracy of my credit report.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax shows a consistent credit score of XXXX or above for me report. I have verified with Equifax directly and gone line by line on each item of my credit report and have the copy of the report. XXXX XXXX XXXX XXXX did a soft pull and shows my credit score from Equifax at XXXX, a XXXX point difference. A few months back, it also showed a XXXX despite me verifying everything directly with Equifax. Another lending institution pulled my credit and again, the lender got a XXXX but when I called to verify with Equifax, they show high XXXX 's. 

I can not get an answer from Equifax as to why multiple banks are pulling my score and they keep getting a XXXX when my score with them reflects XXXX or above. Equifax directs me to the banks. The banks direct me to Equifax. This has cost me money in higher interest rates, and I'm now being denied loan products because my score keeps coming back at XXXX. 

Confirmation # provided Equifax : XXXX Credit Report Identifier provided by XXXX XXXX : XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I am a paying customer and my report still says XX/XX/2021. I have called and submitted several help tickets to Experian and still no response nor a solution to my problem. Last time they said they would send me an email to fix. I got the email and followed the instructions. I get the same technical error I did over 4 months ago. I decided to cancel my membership because of this.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I received a text on XX/XX/2022 saying that my card needed attention. When I called the # provided they asked for all of my personal info., SS #, mother 's maiden name. 
Phone # I was told to call was XXXX
Consumer complaint received 2022-10-14
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act the following XXXX companies listed below has violated my rights 1. XXXX - XXXX ( Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX ( Account # XXXX ) 4. XXXX XXXX XXXX ( Account # XXXX ) 5. XXXX XXXX XXXX XXXX  ( Account # XXXX ) 6. XXXX ( Account # 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 my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Removal of Outdated Address in Compliance with Fair Credit Reporting Act ( FCRA ) I am writing to formally request the removal of an outdated address from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). The outdated address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Under the FCRA , consumers have the right to dispute and request the removal of inaccurate or outdated information from their credit reports. As I no longer reside at the aforementioned address, its inclusion on my credit report is inaccurate and may potentially affect my creditworthiness. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the outdated address from my credit report, in accordance with the provisions outlined in the FCRA. 

Enclosed with this letter is documentation confirming my current address for verification purposes. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure the accuracy of my credit report.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account. 

I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation. 

I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID. 

Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

XX/XX/2023 Milestone Credit Card company closed my accounts without gaining a verbal consent from me and refuses to reopen my account and is holding my available credit. 

Employee name XXXX XXXX ID : XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXXL XXXX XX/XX/XXXX {$2100.00}
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX through two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over two days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only did so after they received my money. Denying me access to my $ XXXX. MY MONEY! They refused to accept the information on my account and they requested more information that was very personal I told them to close the account $ XXXX.All they have to do is put the money back in the account where it came from they will not unfreeze my account or give me access to my money. " I tried calling them and they disconnect immediately and wont respond and they are holding my money, and refuse to give me my money back or close my account. I tried to contact to them via email and they wont respond or give me my money back. They owe me {$4000.00} dollars and will not contact me or take my calls. I want the {$5.00} back for the checks I am never going to use. ''
Consumer complaint received 2022-04-19
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. (GA)

I filed a dispute with Experian on XX/XX/XXXX when I noticed my Experian score decreased a whopping ( XXXX points ) for no apparent reason and without explanation. 

On XX/XX/XXXX I paid off an account, paid as agreed, {$0.00} balance. Never late, no late payments or derogatory. I filed a dispute and they updated balance and status to show paid/closed and I spoke with an agent ( XXXX ) XXXX XX/XX/XXXX. 

XXXX was unable to give any explanation for the huge drop in my score. This is an unacceptable business practice and a violation of the FCRA, unfair business practice and violation of my rights. 

I want my score restored back to XXXX where it was prior to closed account. 

Take note that paying off the account had no impact to my XXXX and XXXX scores. It actually increased XXXX.