davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MN)

The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to XXXX. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from XXXX verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike Discover, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account from my credit report.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (AL)

I called American Express on XX/XX/ to report an issue where an elderly XXXX patient accidentally used the points on my card to purchase something. The purchase has been canceled but I never got the points back. The agent proceeds to act like a complete XXXX and cancel all of my credit cards even though I told him they werent compromised and the issue only affected one card. They told me I could call a different line and get temporary numbers emailed to me. I called the other line they told me they couldnt do anything and I was screwed to go get a credit card with another company to use until my new ones come in. And kept telling me how this was for my own good and theyre doing me such a favor and giving me a ton of benefit. I also found out she was lying and i could get the numbers emailed to me online. Then on the morning of XXXX I logged into my Amex account to check when the new cards would be arriving and to get my numbers. I tried to login again 30 minutes later with the exact known working password which probably due to a server issue said it was incorrect and locked my account. I called customer support who told me they couldnt unlock my account until I got my new physical cards. So I cant even login to pay my bill or activate the new cards. American Express customer service has gone out of there way to XXXX me multiple times this year. They purposely go out of there way to make things difficult on customers and act like XXXX during the entire process. Theyve basically locked me out of using every card I pay an annual fee for.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (VA)

I opened a Paypal Savings account which is a joint-venture between PayPal and Synchrony Bank XXXX I have not been provided an account number or routing number for the savings account. 

As a result, I am unable to transfer money from PayPal Savings account to a different financial institution. 

Upon calling their contact center, they said they dont have access to my account number and cant provide me a routing number.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXXl XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Consumer complaint received 2024-02-24
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. (TX)

XXXX XXXX is reporting a business account to my personal credit report while reporting inaccurate information regarding the terms of agreement and the balance my request to have this inaccurate information removed from my credit report is a violation of my Rights according to the FCRA. this account was paid off by my business insurance and the company continued to charge me interest and continues to report the balance and late payments to me reports causing me issues with improving and utilizing my credit. Section 623 of the FCRA states that a furnisur must not furnish inaccurate consumer to the fcra and that furnishers must investigate the furnished information. 
it also states that a creditor must noe report a balance after beinf told the balance is incorrect. my insurance company paid them directly anbd the balance and all the missed payments still show. and experian and XXXX still have not removed the account from my reports. My credit is suffering because of this.
Consumer complaint received 2023-02-21
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. (TN)

Experian has change my FICO Score 3 times this month! My FICO Score went up to XXXX and by the end of that week, Experian drop my FICO Score by XXXX  points to XXXX. My FICO lost XXXX points for no reason. Experian Credit Beau needs to be investigated! Experian have been trying to keep my FICO Score up XXXX! How could a score drop XXXX points without any negative activity! All my accounts are in Great standard! It seem like Experian is keeping my FICO Score under XXXX for financial gain!
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SF VAGO, LLC (GA)

I filed XXXX XXXX bankruptcy XX/XX/XXXX in XXXX XXXX My XXXX XXXX XXXX was included. Original loan was $ XXXX I paid the loan every month. Post COVID I suffered financially and filed XXXX XXXXXXXX, the balance left when I filed was only for {$6000.00}. The auto loan company XXXX XXXX XXXX agreed to the court order. The trustee paid the loan in full on XX/XX/XXXX. The court Discharged my bankruptcy XX/XX/XXXX. 
On XXXX XXXX, XXXX XXXX EMVP sold my loan to a collection agency said the balance I still owed was {$110.00}. My lawyer told me not to pay anything, the court paid what was agreed upon. The lawyer sent multiple letters, phone calls, emails. Both companies refuse to rectify the situation. No one will release the lien and provide the Title to me. I am not able to trade the vehicle without the title, can not sell it, can not move out of state and register the vehicle. I feel they violated my protection provided to me by the Federal Bankruptcy laws. I don't know what rights I have, how to fight a corporation that keeps ignoring our request.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BTS Motors, LLC (TX)

On XX/XX/XXXX, I got a used vehicle at a car dealership by the name of Public Automotive in XXXX, Texas. When I financed my car, I was asked to pay an out of pocket down payment of {$1500.00} AND a car note which is a violation of my rights as a consumer as this was supposed to be a credit transaction. On hand cash was NOT involved in this transaction, and I have a bank statement/screenshot to provide truthfulness to this statement. Since then I have requested my contract not once, but TWICE and finally received a copy in the month of XXXX of XXXX. This copy does not coincide with an agreement done in good faith on behalf of not only me, but a numerous amount of consumers that could be harmed by their rights being ignored in the exact sense as I have.
Consumer complaint received 2022-08-16
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXXXXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX- -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX acc Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX  charge off XX/XX/XXXX
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

Two months ago, I submitted a complaint about Equifax Credit reporting listing a tax lien with the State of California. Equifax , stated that they had investigated and the reporting was accurate. At that point, I took the complaint to the California Franchise Tax Board, and upon investigation California found that while the tax lien was paid, it was in fact placed in error. California Franchise Tax board indicated that they would notify the credit bureaus to remove the lien item. At this time Equifax continues to report this item. I have attached a copy of the release of lien, filed in error and desire that Equifax remove this reporting as it is not only inaccurate but damaging my credit.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received notification from myfico that a personal finance account was removed from my credit report. The account referenced was an account that I have had since XX/XX/XXXX. It was one of my favorable accounts. XXXX XXXX XXXX. This account I paid as agreed and it was a good account. However, somehow this account was removed from my credit report without a dispute from me. When I called Transunion the rep tells me that the creditor XXXX XXXX XXXX is the one who removed the account. I then asked for documentation that the creditor removed it because they wouldn't have had any reason to yet the rep said he could not provide me with any proof. I'd have to get that from the creditor.
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have sent multiple letters to The credit bureaus XXXX, XXXX, and XXXX, about multiple derogatory accounts that showed up on my credit report and has caused me to get denied for a mortgage loan. I have since then sent dispute letters to all 3 of the bureaus to verify the legitimacy and accuracy of these derogatory accounts. 

XXXX could not verify the accuracy of these accounts and has removed XXXX collections accounts from my credit profile. Which I asked them to do if the accounts could not be verified. 

XXXX has not shown me any information to verify these derogatory accounts and the account continue to remain on my credit file. 

XXXX has delivered an electronic response that does not provide the original documentation of the debt that I supposedly owe and has not given proof of accuracy for any of the accounts being disputed. 

have sent XXXX dispute letters by mail to each of these bureaus. However, no bureaus have provided information in the mail for legitimacy and accuracy of these derogatory accounts effecting my credit file.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, Experian, XXXX and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 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. ftc report numberXXXX
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Cottonwood Financial Ltd. (IL)

On XX/XX/XXXX I received a flyer in the mail stating I was pre-approved for a loan. I followed the steps to apply online and was approved for {$840.00}. On XX/XX/XXXX I went into the store to complete my application and provide the required documents ( Drivers License, bank statement, debit card, and proof of income ). When the agent looked at my income she said they couldnt accept TANF as proof of income ; I challenged it and she asked another lady in the store. The other lady made a phone call and stated the same thing. I asked for a statement of denial. I called the number on the statement of denial. The agent there asked if she could contact the location I went to and call me back. When she did she said the same thing about my income. I repeatedly told them they could not deny me simply because I receive cash assistance, that was to no avail.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have received 2 letters ( attached ) from XXXX stating that they have notified Equifax to delete this. One is dated XXXX/XXXX/17 and the other, XXXX/XXXX/17 yet they have failed to delete this account as of today.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

My account was charged for an automated fee from XXXX fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called in XXXX XXXX Chase Bank due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. XXXX sent a letter out late on XXXX confirming the problem but said it would take XXXX days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending
Consumer complaint received 2023-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I recently pulled my report and noticed inaccurate and erroneous information. I reached out to each company XXXX times and over 90 days later I have not received a response and the incorrect information is still on my report. I have read my right per FCRA 15 usc 1681 ( i ) states all posted information must be accurate.
Consumer complaint received 2023-01-14
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. (NY)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The hard inquiries and student loans is not correct on all three credit reports on three credit reports Which is a violation. This is impacting me from moving forward to buying a car. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXXXXXX XXXX is re-aging debt by changing the date of first delinquency. This debt is reporting past its statue of limitations. Its been past 7 years from the day my account went delinquent. XXXXXXXX XXXX has changed the date of first delinquency twice now and Experian has not removed this account. Reporting accounts past their statue of limitations is a violation of my rights under the FCRA. This account has already been removed from XXXX and XXXX XXXX. Experian is the only credit bureau allowing this illegal reporting.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

XX/XX/2019 submitted online request for security freeze/credit freeze on Experian and was denied. 
XX/XX/2019 submitted telephone request for freeze/credit freeze on Experian and was denied. 
Researched and found many complaints exactly the same from others trying to freeze at Experian. 

Need Experian to place security freeze/credit freeze either over phone or online