davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
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: Credit Karma (NC)

CreditKarma.com I have a XX/XX/2021 inquiry on my credit report. I have not requested any info from them nor given them consent to pull any info and They have made it impossible for me to get in touch with them and report it. Not able to contact them by phone. When I email them they push me back to their nonworking website. They have made it impossible to report misconduct if you are not a current member which I am not ( I am not a member of this company ). I want any and all information they have concerning who supplied them with my information.
Consumer complaint received 2022-07-05
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. (MI)

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXXXXXX 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 2021-12-12
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. (WI)

On XX/XX/21 I filed a dispute with Experian ( certified mail ) about a bankruptcy/Reference # XXXX on my credit file that Experian maintains XXXX my Social Security Number. On XX/XX/21 I called Experian and spoken to a woman who stating that the bankruptcy verified as accurate. On XX/XX/21 I certified mailed XXXX more documents, ( 1. ) A RE-INVESTIGATION/METHOD OF VERIFICATION letter and to inform Experian that I was execising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). ( 2. ) A document from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating they DO NOT report/verified to Experian or any credit bureau for that matter. ( 3. ) A document informing Experian that their original response of them verifying the item with the court was either an error or a lie, and that either way the reporting requirements do not comply with the FCRA section 611 ( 15 U.S.C. sectection 1681 ) and that the information must be deleted immediately. On XX/XX/21 I checked my Experian credit report and Experian only replied to those documents " verified as accurate and unchanged ''. I immediately called Experian and spoke to a guy named XXXX, I informed XXXX of they ( Experian ) DID NOT respond to my request for the METHOD OF VERIFICATION. XXXX went to inform me that it was against their policy to give me their METHOD OF VERIFICATION. I then moved forward to inform XXXX that they ( Experian ) are in full violation of my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by denying my request for the METHOD OF VERIFICATION. I also inform XXXX ( Experian ) that the item in queustion is inaccurate and represent a very serious reporting error. XXXX than said hold on for a minute, I was on hold for an hour and 37 minute until a lady picked and said " We can not give you our METHOD OF VERIFICATION and as he told you its against our policy and have a great day now '' and hung up.
Consumer complaint received 2021-08-25
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. (TX)

On or about XX/XX/2021, Experian, XXXX  and XXXX  as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though Experian, XXXX, and XXXX  are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, Experian concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Consumer complaint received 2021-12-12
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. (IN)

I got an unrequested credit card, and I tried to place a freeze on my credit information with the XXXX credit bureaus - while I could easily freeze my credit and place a fraude alert on XXXX and XXXX, the same is not true for Experian. I am not able to place a freeze, neither a fraud alert, their numbers all have automated service and do not allow me to talk to a representative, and I will need to do the process by mail, and thus, extend the time my identity might be used fraudulently. The ONLY way to have any control of my credit report online in Experian is by paying for their services- which is illegal. The service can be offered free and efficiently by the other XXXX credit bureaus, in compliance with the law.
Consumer complaint received 2021-08-25
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. (TX)

On or about XX/XX/2021, XXXX, XXXX  and Transunion as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, XXXX, and Transunion are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX  concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Consumer complaint received 2015-11-10
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Halsted Financial Services, LLC. (FL)

I have scam companies calling me at all hours of the day on my personal cell phone, my work phone and now my husband 's personal cell phone. They claim that they have papers to serve me either at my work or my residence on a bill that I do NOT owe. I only have my monthly bills which are paid in full every month. These people need to be stopped. They call from multiple numbers and wo n't stop calling even when told to do so.
Consumer complaint received 2022-07-05
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. (FL)

I just recently got a hand on my credit report then i realized i have some inquiries that i was not aware of. I've called Experian customer service on XX/XX/XXXX and spoke with XXXX who told me that within XXXX XXXX those inquiries mentioned below would be off of my report. Few days later i check my credit to find out everything still there. Please investigate and delete inquiries from credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below. 

XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX. 
Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.
Consumer complaint received 2022-12-16
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. (IN)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Diversified Consultants. I requested a validation on XX/XX/2019 as this was an account that had already been paid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XXXXand still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (NJ)

On XXXX XX/XX/2021 I placed an online order with XXXX for a for a 21700 battery. The 21700 describes the batterys physical dimensions : 21 millimeters in diameter and 70 millimeters long ; similar to the c cell, or d designator for standard battery size in the past. The 21700 battery I received however was 75mm long, and would not fit the device I purchased it for. When I contacted XXXX for a refund they told me there would not be able to provide a full refund, to exaggerate to make a point : 30 % open package charge ; 30 % restocking ; 40 % shipping charge, so in the end, after returning the product, I would owe them an additional 10 %. 
I thought this was unreasonable and contacted my credit card companies to dispute the charges. My first contact was by phone, explaining in detail the above mentioned problems, they sent me a physical letter asking for the same details, which I provided the same day. I then recieved a letter from the credit card company instructing me to return the product to the company with detailed information about the return ( and the complaint information AGAIN ). The dispute on the charge was removed until the return was complete.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NY)

M & T Bank charged over draft fees in the amount of {$38.00} on XX/XX/2021 and XX/XX/2021 totaling {$77.00}. I had direct deposits on the same days they charged me over drafts fees which covered my balances and I should not have been charged over draft fees. 
XX/XX/2021 direct deposit amount sent for {$50.00} XX/XX/2021 direct deposit sent {$42.00} XX/XX/2021 direct deposit sent {$60.00} M & T purposely held me direct deposits as the last transction on my checking account to arbitrage over draft fees. 
On XX/XX/2021 I sent an electronic communication via my online banking requesting my 2 overdraft fees of {$38.00} be waived which M & T did not respond or acknowledge my request. 
Also I never received a overdraft fee notification from M & T Bank via mail, e-mail or phone call.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Consumer complaint received 2021-12-12
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. (FL)

XXXX. Equifax and XXXX has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
Consumer complaint received 2021-12-12
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance {$78.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-12-12
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$480.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2021-12-12
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. (FL)

XXXX. XXXX and Transunion has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (TX)

My account has been blocked, no one in customer service can see any information about this this amount in question, Im unable to speak to anyone about providing proof of this transaction, because its blocked. The payment they are requesting are from cancelled orders, that has yet to be corrected, I placed this order on XXXX, XX/XX/year> for {$320.00} part of this order was cancelled the new amount was {$110.00} I returned one of the items in this order for about {$22.00} no refund was issue the second order in question original was {$96.00} part of this order was also cancelled new amount was {$45.00}, TRS has informed me that they need to collect {$320.00}, {$110.00}, {$96.00}, {$45.00} for these items that has been cancelled XXXX, attempted to take all this payment for items I dont have Im not sure if these amount that I actually owed, has been taken out of my account, I did stop payment on these items that were cancelled
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Lending Club Corp (IN)

I have received a XXXX debit card from " Lending Club '' which from my understanding is linked to a loan line. I have never requested any loans or cards from this company. I have tried contacting their Costumer Service number, but their operation hours are limited and I couldn't reach anyone. They also do not list a " fraud department '' or XXXX number for complaints related to fraudulent activity.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I accidentally overpaid two of my credit cards with Bank of America. For about 100 to 150 Dollars each. I request the money to be transferred bank to my checking account and the answer was that will take 3 to 6 business days. I understand that is a the regulation. My complaint is why is this long time needed to do so. Banks take seconds in accept your payments but days in return back if goes wrong? I consider this a very unfair situation. Please reply giving me a better understanding of why is this.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc (MD)

My room mate moved out, after a bad argument. Her and I shared a joint XXXX account where both of my debit card info was in it. When she moved, she blocked me from the account without letting my delete my card info. Since then, someone has tried to login to my XXXX XXXX, and also made a XXXX account with my chime card. Than upon reaching out to her telling her I was notifying the irs and card companies that she has all my socials ( kids socials and my own ) and my card info, she than screenshotted messages receiving messages from my XXXX account with my chime info. Stating that I was trying to use her card, when I have the card in question in my wallet, in my name. But she tried to lie, and say it was hers. I have no idea how she was able to have my card info directed to her personal phone messages. She is on XXXX for XXXX and XXXX XXXX of two banks. She is claiming that Im the one using her cards, when I have proof that I have not made any purchases, or have any access to ANY of her cards! She also is still trying to claim my kids on her taxes,  when I specifically told her she does not have permission to do so. But she has all of my kids socials, birthdays, and even all of my information. She is a XXXX XXXX, so Im not sure to what length she will go. But I want to put a end to it now! I have reported both of my cards stolen, and even changed all my info on some other cards. I need some help please. Thank you so much.