davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (GA)

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 XXXX XXXX XXXX Account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX uses XXXX XXXX as their credit crd holder. Last year I wated to purchase a bedroom suite from XXXX, however wanted it to be delieve later this year after work was completed in our home. This would have been great, Why because XXXX doesn't charge the card until after they have delivered or merchandise has been picked up or delivered. Well I also purchased a piece of wall art and due to the size of returned it within the three days allowed for return. a few months went pass and I never saw it being credit back onto my symphony bank credit card for XXXX. So I called the credit card company who told me I had to call the store which informed me that the credit for the return was put towards a purchase ( bedroom suit ) I was making and awaiting on delivery! 
Why would you put the credit which should have went on the card it was purchased on towards merchandise you have yet picked up or have delivered? Apparently XXXX XXXX XXXX has this setup with the credit card company! This is wrong in so many ways. Merchandise purchased on a credit card should be credit back to that card used to pruchased it with not - depending on if the consumer has purchased other merchandise that has yet been charged to the card! So I had to cancel the bedroom suit in order to get the refund return amount put back onto the card which showed me owening for not to mention paying the interest on something I had returned!.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (SD)

My card was compromised, there are 7 total charges that I had. 2 of which have been credited by not the others, they tell me that yes those will be credited by the time I get my new card. I have got my new card and the remaining credits are still not there and they may not get credited for 45-90 days. This is a XXXX  XXXX  card!!! These charges are from CA I live in South Dakota! I wait on hold for hours to hear " oh it will take 45-90 days '' I was told first that it would be reversed by the time my new card gets to me in 3-5 business days. I now call and still hours on hold to be told that IF the Fraud departments shows that these are not correct charges that I will receive my missing {$250.00} back to my card AGAIN I LIVE IN SOUTH DAKOTA NOT CALIFORNIA!!!! Asked how my card was compromised and a bunch of charges were charged and NO ONE CAUGHT IT!!! Again on hold still 1 hour and 8 mins!!! This is my childrens  money!!! Maybe I need to file a lawsuit agains this " go program card '' you are dealing with XXXX  XXXX  and government money going to people!!!
Consumer complaint received 2022-08-28
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: ALLY FINANCIAL INC. (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2022-07-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX and 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
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX i filed a dispute with Bank of America as someone opened two accounts in my name. I sent a police report and Bank of America said they will investigate and get back to me. Over two years I actually remembered and called them in XX/XX/XXXX.bank of America said they emailed me the results but had the wrong email, which is a lie! 
1 of the accounts were cleared however the other was not because they couldnt see that far back ( XX/XX/XXXX ). So I disputed that one as well, and again was told they would contact me. Now its XX/XX/XXXX and when i called, they claimed they could not reach me? Lies!! 
Over two in a half years and yet no results? Even after i did what they asked me to do.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file. Please see the settlement offer shown attached!
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I called the number that was provided to me to make payment arrangements to pay my debt for my last apartment.. 
I started receiving calls on XX/XX/XXXX about the debt and the money I owe.. I missed a call at XXXX from the rent collect company.. they later called me at work and demand that I pay the full {$4100.00} by the end of the month or they were going to ruin my credit. I wanted to work out a payment arrangement with them and they said they are not an arrangement company. I owed that money the day I moved out. I told them I could not talk I was at work and I could lose my job for dealing with it right then. Someone from the company called me again at work I want to say the next day in the morning.. I called them back on XX/XX/XXXX at XXXX am after they had called me at XXXX ... I spoke with XXXX and offered to pay XXXX a month ... she said that they were ready to move forward with collections and they have already verified everything.. After a very long not getting anywhere conversation I agreed to them taking XXXX a week but later realized I would not be able to pay any of my bills or my current place where I live I called them back in hopes that I could pay XXXX a week.. I talked to the supervisor and told her I feel the conversation I had with them yesterday was a little abusive and she went off on me and told me to get a lawyer and get the tapes. She said Im going to mark this account as refusal to pay..and ruin my life. I told her I wasnt refusing to pay.. I just need an arrangement that I can pay and still survive.. She told me good luck and hung up
Consumer complaint received 2019-03-31
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: Eagle Accounts Group, Inc. (NY)

I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX accounts on my credit report that aren't mine. Below are a list of XXXX XXXX  accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XXXX/2017 -ACCOUNT # XXXX
Consumer complaint received 2019-07-15
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. (MO)

I contacted TransUnion to advise that I have been a victim of identity theft and that someone has applied for credit in my name. I requested that 12 Hard inquiries be removed from my account due to this identity theft but the representatives that I spoke with said that they will not remove the inquiries and that they will stay on my credit report for 2 years from the report date. 

I advised that I did not authorized the following inquiries : XXXX   CARD Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX   Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2019-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MN)

Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. 

I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. 

I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. 

I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. 

Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank
Consumer complaint received 2019-07-15
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. (MD)

1. XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ( XXXX XXXX XX/XX/XXXX ) {$5700.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC ( XX/XX/XXXX ) {$22000.00} 3. XXXX XXXX Account Number XXXX ( XX/XX/XXXX ) {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX ) {$19000.00} 5. XXXX XXXX XXXX XXXX XXXX TX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XX/XX/XXXX ) {$500.00}, {$1900.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXXl 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX XXXX ( XXXX ) 18. XXXX XXXX XXXX 19.  XXXX 20 . XXXX XXXX XXXX XXXX 21. XXXX Credit/ XXXX XXXX 22. XXXX   23. XXXX XXXX XXXX 24. XXXX XXXX 25. Bankruptcy Chapter XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-31
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. (FL)

I received an email informing me that I had preapproved offers for a personal loan and that I could click on it and it would not effect my credit score! So I went through the process. Got my results. Didnt like any of them. And closed out my browser. Immediately following that, I got an email from XXXX stating I was denied, this after saying that my scores wouldnt be effected, and that It was a result of my TransUnion report. In the body of the email from XXXX, it states XXXX XXXX. Not once was that in the list of offers. I did not apply for any loan and was tricked with this email from XXXX XXXX and the email completely lied when it said my credit would not be effected to take a look at the offers. See attached emails.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MO)

Thursday XX/XX/2019 there was a charge of {$830.00} taken from my account. I immediately reached out to bluebird and filed a dispute against the charge, a day later they emailed me back and said they were going to denie my dispute. I was confused as to how someone could get this money out of my account without my approval and every time I ask a representative that question they evaded the question and change of subject immediately. All I want is my money back and for it to be solved and hopefully for it not to happen to anyone else
Consumer complaint received 2022-03-03
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. (FL)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Consumer complaint received 2019-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc. (NY)

About a month ago I was contacted by XXXX XXXX XXXX   on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX  with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.