davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I applied for a Best Buy credit card in the middle of the week of XXXX and I was interested in the card and I was told that I have to go to Best Buy store with a picture ID and a credit card that I had open for least a year and first I wasn't approved and now again I was told I have to go back to the store because there was a error on customer service end ... .so I went to Best Buy and I was approved with a credit limit of XXXX and within a day my card was blocked but I never use it and I never received it ... and I was told that I have to wait for a letter in the mail.. but after 7 days I still haven't gotten the letter and I explain to the fraud rep that I never used the card or gotten it in the mail and she told I have to wait for a letter this is a joke I went the store and verify myself and this is not right at all and I do wish to have this account closed and remove off my credit report I wasted my gas money to go to Best Buy and this is not cool at all
Consumer complaint received 2022-06-11
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. (CA)

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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2019-08-26
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. (GA)

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : XXXX/XXXX-XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX 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 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$500.00}
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed 2 disputes that have been denied. I also followed a different dispute for XXXX and it was XXXX my favor Wich are the same transactions. With bank of America through XXXXXXXX. My name XXXX XXXX XXXX.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OH)

XXXX CO NAME : PAYPAL CO ENTRY DESCR : XXXX XXXX XXXX : WEB IND ID : XXXX XXXX XXXX ID : PAYPALXXXX  I notice a transaction of {$19.00} posted on my checking account which is linked to Paypal today. However, I didn't make any purchase of that amount. I suspect my account got hacked since I did some purchases on my phone for the game app several days before this thing happened which is made through PayPal. HOwever, my actual purchase showed differently from this one. It is PAYPAL XXXX XXXX XXXX XXXX WEB ID : PAYPALXXXX.. I dislinked my checking account immedialtely and report to my bank this issue.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

Open XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX, XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

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 above.
Consumer complaint received 2024-02-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. Experian has failed And XXXX XXXX has failed.
Consumer complaint received 2019-08-26
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: Bread Financial Holdings, Inc. (IN)

I signed up for 12  month XXXX movie plan in XX/XX/XXXX for {$100.00}. I was never able to use the service provided due to their 'supposed ' technology glitches and demands for extra fees. I tried to cancel immediately with Comenity bank in XXXX Ohio. I did not realize the difference between a dispute and fraud and the first complaint was filed incorrectly and rejected. By the time I refiled the complaint XXXX had gone into bankruptcy leaving a trail of lawsuits. Comenity charged me back the {$100.00} on my XX/XX/XXXX billing statement. 

XXXX XXXX XXXX Comenity denied my claim by sending me a copy of XXXX XXXX users agreement in XX/XX/XXXX with no indication of which clause or paragraph related to my dispute. I am not a lawyer, but it seems to me XXXX didn't provide any service to me, I am at a loss to understand that complete and utter failure to provide service is legally enforceable. 
Comenity provides no direct access to its fraud teams to challenge findings. I have mailed in additional support at their request and still no chance in conclusion. 
Comenity said it never received additional information on the claim and on XX/XX/XXXX I sent them the attached letter. I'm really not certain what additional information I was supposed to provide and it was never spelled out in Comenity 's correspondence with me. 
I have never had this problem with XXXX or XXXX XXXX when there's been a dispute
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (CA)

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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2019-08-26
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT ED/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.
Consumer complaint received 2021-12-06
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. (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.
Consumer complaint received 2019-08-26
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. (IL)

I have repeatedly tried to have XXXX, Experian, and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Consumer complaint received 2018-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Financial Service (CA)

Firstly please let me state that I am a victim of identity theft. I have a current police report on file with XXXX and a federal listing with the FTC VIA XXXX. The alleged debt that I am seeing on my credit report was previously removed, sold or transferred, re-aged and then showed up with this current company 's name but the old debt collector 's address the DAY after I filed my police report with XXXX XXXX Police Department. United Financial Service of XXXX XXXX XXXX has disregarded 2 previous attempts to validate with XXXX certified mail return receipt. They call my cellphone very early in the morning ( XXXX ) and also very late at night XXXX XXXX XXXX. They are harassing my family and friends on their cellphones and also calling my current and former employers. I don't even know what this debt is for and other that this derogatory mark I have 100 % perfect credit.
Consumer complaint received 2018-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2017, I had just returned to school from XXXX break and I received an email saying my account had unusual activity. When I checked the account, someone had hacked my acc and uploaded fraudulent checks. I immediately contact Bank of America and informed them. They begin to accuse me and closed my account. The representative was really nasty when I informed him that I did not do this nor did I attempt to spend anything from these fraudulent transactions. I asked them to investigate this before closing my account because I did not want thi to affect my credit going forward, however they didnt. From my understanding when I was speaking to the representative he told me the account would be closed.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was scammed via XXXX through Bank of America and tried contacting them over the course of the following 3 hours on XX/XX/2018. They were unable to reverse the transfer and provide any information regarding the receiver or their bank. Subsequent claims have been denied and I have tried several times to resolve this matter with no help from Bank of America.  BoA needs to better protect their clients and hold the parent company of XXXX accountable.
Consumer complaint received 2018-03-10
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: AMERICAN EXPRESS COMPANY (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (FL)

I had a fraudulent charge of {$320.00} for XXXX on XX/XX/XXXX. I noticed this charge when it was pending and immediately contacted my Branch Banking and Trust Company to let them know that there was fraudulent activity on my card. The canceled my current debit card but said that since it was posted they couldn't do anything about it and told me once it posts to call back and report it as a fraudulent charge. I also tried contact XXXX XXXX at this time and again on XX/XX/XXXX, but since I don't have an account with them and they are not my cell phone provide they said they can not help me and to contact you. 

I received a letter from BB & T bank saying they investigated the charge and are saying it is a valid charge so they are going to reverse the provisional credit and I'm responsible for the charge. They are only open during the week and I received the letter on Saturday but they are basically saying that they found it was not an error and I am responsible for the charge. I did not incur this charge nor did I authorize anyone to use my account to make this purchase. This is absolutely a fraudulent charge and someone used my account without my permission.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employer : XXXX  Date Updated : XX/XX/2010
Consumer complaint received 2021-01-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am mad at XXXX XXXX  because i had lost my job due to covid-19. I called XXXX to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like XXXX to fix my credit reporting due to this issue
Consumer complaint received 2019-08-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Have power of attorney, faxed modifcation and loan assumption and loan see paperwwork! Finally i get mail, not sure why a sale put if all paperwork in, call and goes to voice mail and CAN NOT get to another REP! WHY should be albe to talk to someone! My cousin XXXX at XXXX has authorization and been helping me! SOMONE PICK UP PHONE and have sent three different packages!!!!!