davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
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. (VA)

I have a Charge Off account reported on my credit bureau report as recent as XX/XX/XXXX with XXXX XXXX XXXX. However this is a charged off account thats been charged off since XXXX. They are reporting this information as if it is recent and it is damaging my credit score.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

XX/XX/2020 I've had my Best Buy credit card for over 7 years, and I have always paid the bill on time. On XX/XX/XXXX I went online to pay my bill and the website was having issues. I tried call them on a few occasions to pay my bill and was told to call back because the high amount of calls received. Due to the COVID 19 pandemic we are told to stay home, and Best Buy was not allowing people in there store. At that time I only owe {$1.00} to Best for my card payment but I was unable to get my payment to them. I finally go through but it was pass the due date. My credit limit was {$4000.00} and was drop to {$500.00}, which has cause my credit score to drop. Best Buy was able to update date my payment and remove late fees, but when I reached out to Citibank ( Best Buy ) to instate my credit to XXXX, they said I should have made a better attempt to pay and that they can't do nothing to restate my previous credit limit.
Consumer complaint received 2020-03-24
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: PNC Bank N.A. (IL)

I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION (CA)

I applied online for a personal loan, and received an email stating I was approved. The email stated : " You areApprovedfor your loan offer ( s ) upon meeting the following conditions : Verification of your identity and addressVerification of your monthly income and review of your expenses* to determine if the loan payment fits your budget according to our lending guidelinesThe value of your motor vehicle to be used as collateral is sufficient according to our guidelines ( secured loans only ) *We will review your monthly income minus your monthly expenses ( such as mortgage payments, auto payments and utilities ). '' I have submitted those documents, but the lender came back and denied my loan due to unrelated items. They stated they declined the loan due to my credit report, which they already had when I received this approval email. I dont think it is right, or legal, to approve me for a loan submitted online based on my credit, then come back a day later and decline my loan based on the same information they had available to them when they approved my loan.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I applied for a XXXX XXXX  XXXX  card and was approved for a XXXX credit limit I ordered a recliner two weeks ago and I called symphony and i was told a second review was done and I was denied. I believe this was due to my age. This is discrimination
Consumer complaint received 2022-12-29
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-24
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. (NC)

Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Consumer complaint received 2020-03-24
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. (NC)

Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Credit Score reporting and score complaint exclusionary conduct claim To whom it may concern : I am submitting this complaint pursuant to FCRA 15 U.S.C., section 1681 : 1. I have noticed that on my report is inaccurate information reporting by your company regarding XXXX  account. I have payment arrangements with XXXX  and I contend that credit report indicate that I am not paying on same. I deny that claim and contest it.

2. I state that my credit score is discriminatory and unfair. I state that I believe exclusionary conduct is being applied to my credit score reporting an
d that it arbitrary and capricious.

3. I state that XXXX, TransUnion, XXXX  and XXXX report my score in vast difference of scores. As of XX/XX/XXXX XXXX  reported my score as XXXX based on TransUnion  data. However, TransUnion report my score to XXXX XXXX as XXXX. This is a vast margin of 52 points, and I contend that these scores are exclusionary conduct and fundamentally unfair in differentiation. 

4. I state that XXXX  is not consistent with my actual credit report. I state that I had a below average score of XXXX when I had much more debts and collection accounts, and wasnt paying on the accounts at time. So how is it that at the time I have paid off numerous accounts, keeping my payment history at 98 %, and no deragotory marks that my score continue to lag and take a low dive? I contend that this is sheer discrimination! 

5. Furthermore, I state that I have reasonable evidence of XXXX   practicing Algorithms against me due to my race, social, cultural, and religious affiliation and associations.

6. THEREFORE, in compliance with the Fair Credit Reporting Act of 1970 and the Equal Credit Opportunity Act, I respectfully ask XXXX  to re-evaluate my credit score, and upgrade same in the spirit and color of law of fundamental fairness. 

Respectfully submitted, /s/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Email : XXXX XXXX [  XXXX. ]
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 we deposited two checks into our personal checking account at Chase Bank in XXXX XXXX, Ca through the ATM. We received a receipt that stated the funds would be available in XXXX business days. This is not unusual in our experience with Chase Bank. 

On Friday XX/XX/2020 the funds were still not available. 

On Monday XX/XX/2020 we called Chase bank for an explanation. We waited on hold for several hours while we were passed to various departments. The customer service representative told us the funds would be available tomorrow ( XXXX XXXX ). She said we could wait another few hours on hold to talk to another department but they would only give us the same information. 

On Tuesday XX/XX/2020 the funds were still not available. After two hours on hold and despite a state mandate to shelter-in-place we were forced to put our lives at risk and drive to our local branch for help. Still on hold, we met with the bank manager to review our account. He said the funds were placed on a XXXX hold but did not know why. At that point, customer service finally answered. We were transferred the the check verification department and waited another 40 minutes. That person told us they would not release our funds. The bank manager asked her if the funds had been collected from our grandparents bank. At that point the customer service representative, reminded the bank manager that this was a recorded call. She said this three times during our conversation. She told him and us there is nothing they would do.

We told the bank manager that this has never been our experience with personal or business banking. Ever.

We are overdrawn and have no money for food, gas or supplies. The bank manager, himself, withdrew {$400.00} in cash from our already overdrawn account so we could have something to survive on.

Our business is public facing and relies on large public crowds. We are absolutely crippled and at the mercy of generous family members and a bank manager who had an ounce of compassion. 

We believe that Chase Bank put into policy during a global crisis to place longer holds on deposited checks to make money on their end at the grave expense of the consumer. We can prove the funds were collected almost immediately from our grandparents account. We can prove we have never had a 10-day hold on business or private funds previously. This is exceptionally unusual in our banking experience. This has caused us tremendous harm. 

If this is happening to us, it is happening to others. We are crippled. Banks are the first to be bailed out and the last to help. They must put an end to this policy especially during times of extreme crisis. This is unimaginable negligence.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

These fraudulent accounts are from the direct result of identity theft. 1XXXX XXXX # XXXX, 2. XXXX  # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.Capital XXXX XXXX XXXX, 5. XXXX  # XXXX,. Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.
Consumer complaint received 2022-11-04
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. (AL)

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

XXXX XXXXXXXX XXXX # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  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 ; I did not give them written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Here I am again fighting Portfolio Recovery and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still Portfolio insists they can keep reporting this account to XXXX   without PROOF of my physical signature of a contract between ME and PORTFOLIO It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with Portfolio and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TN)

My Citi Diamond Preferred Card offered a feature called Flex Pay, where purchases over {$100.00} are split up into monthly payments with a choice of terms and a lower fixed APR of 13.99 %. A maximum of 7 Flex Pay plans are allowed at one time on an account. I had 11 purchases that qualified. All the offers said " Offer good through XX/XX/2020. '' When I went online to sign up for them on XX/XX/20, my purchases were no longer listed as eligible. Their chat feature online was not working so I called Citi Cards at various times that same day, but their phone lines were always busy. On XX/XX/20 I tried phoning again and reached a representative who said I no longer had eligible purchases for the Flex Pay plan because the billing cycle had ended the previous day. I asked to speak to a supervisor ; he told me the same thing. He said that he was sorry, that the statement about the offer being good through XX/XX/XXXX was misleading and he would file my complaint, but there was nothing he could do to get the lower interest rate for me on my purchases already made.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.