davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

As noted the CFPB is aware of the Capital One issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from XXXX, Experian and XXXX.
Consumer complaint received 2017-09-13
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. (NY)

My PII was stolen and lost due to monumental incompetence and negligence by XXXX. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now TransUnion is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
Consumer complaint received 2017-09-13
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. (CA)

I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.
Consumer complaint received 2024-03-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

This debt was sent to the XXXX XXXX XXXX XXXX XXXX AND WAS PAID. I do not owe this debt. I moved out of this complex prior to this debt being owed, they rented this property out therfore I do not owe a thing.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX, freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze it.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.
Consumer complaint received 2022-02-21
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. (NY)

I have disputed these items on my credit report multiple times I have not received any verifying documentation from the three credit bureaus and I have not been able to get in contact to discuss my disputes this matter have been completely frustrating and unwarranted please look into this matter immediately
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I noticed a charge on my bank statement for {$24.00} from Experian Credit Report. I was confused by the charge because although I have a account with Experian for credit monitoring services, the monthly fee for my account is {$19.00} and is processed from a different account. 

When I contacted Experian I was told that the account was opened on XX/XX/2018, under my husbands name. XXXX, the representative I spoke to went on to say that they charged {$24.00} a total of four times. I told her that I wanted a refund because I didn't open this account or authorize the use of my bank card. She said " per the terms and conditions we are only able to issue a refund for one month '' Later I called with my husband and spoke to XXXX, who after speaking with my husband verified that the information on the account was not his. She explained that the account was obviously fraudulent. 

I asked to speak to a supervisor, XXXX ( employee id XXXX ) who said that the term and conditions agreed to when the account was opened, prohibited them from refunding any money and that they had no obligation to provide any proof or documentation as to the fraud. She also told me to contact my bank and " sort it out with them '' for the amounts they fraudulently collected. 

I asked the supervisor why no red flags were raised when the name on the account did not match with the name on the credit card. She said " Experian does not require the name on the credit card to open an account they only require the card number, expiration date, and security code. 

In total 4 charges of {$24.00} and 1 charge of {$4.00} were billed. They processed a refund for one charge of {$24.00}. 

I contacted my bank, which processed my claim and issued me a credit for the full amount billed. Experian was allowed to keep the money they collected by way of fraud. 

The CFPB should take a hard look into how these credit agencies, essentially they house, control and profit from consumers credit information. Their websites are basically advertising for credit card companies and banks. These are the same credit card companies and banks that report consumer information to the credit agencies. The agencies are not impartial, fair, or honest, they essentially work for creditors with no regard or respect for consumers or their rights. 

At the end of the conversation I told the supervisor I would be filing a complaint with the CFPB, to which she responded " okay whatever ''. I guess the lack of respect also extends to the regulatory agencies that are charged with overseeing their business practices.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

Date reported was XX/XX/XXXX. Last reported on XX/XX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
Consumer complaint received 2018-06-05
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 — Problem with personal statement of dispute
Company: ORG GC GP BUYER, LLC (WA)

On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC (TX)

This account from XXXX XXXX was paid by XXXX XXXX XXXX ON XXXX.I was told that the account was never sold at all.I have tried to contact Huntinggton Debt Holdding with no reply.The account showed up like two weeks ago on my XXXX  credit report but has a date of XXXX.I have never received any letters in the mail regarding the account. {$610.00} was paid on XX/XX/2021
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-03-10
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: Synovus Bank (TX)

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included First Progress Card, XXXX, & Possible XXXX.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I charged to my CITI Double Cash card my registration fees for a racing series with the XXXX XXXX XXXX XXXX in XXXX. The series organizer tried sliding my card through an XXXX  attachment device, and received an error message. She wrote down the credit card number and re-submitted the charge the next day. This resulted in the charge being duplicated ; but I did n't realize this until about six months later, when I made an online entry disputing the second charge. Citi provided me with a temporary credit and started a protracted process to investigate the dispute. As part of this process, the investigator e-mailed the organizer, and she admitted in writing that she had indeed, involuntarily, charged twice. This e-mail exchange dates back to XX/XX/XXXX. Since then, I have received correspondence from Citi, first to let me know that my temporary credit was still temporary, and then, on XX/XX/XXXX to tell me that the dispute had been filed too late ( needed to be within 60 days of the statement ) and that they were not able to issue a refund. In my view, a processing error is an error, even when discovered 6 months later ; and given ample proof of the rror, there is no excuse not to refund.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

This is about the complaint ID XXXX Case is not close .I do reject the settlement offer by XXXX. 
Attached his letter dated XX/XX/2021 and my response dated XX/XX/2021XX/XX/2021
Consumer complaint received 2018-01-25
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.
Consumer complaint received 2022-08-10
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: JPMORGAN CHASE & CO. (DE)

JPMCB REPORTING A BUSINESS CREDIT CARD ON XXXX WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. XXXX continues to report this fraudulent account on my report even though I disputed it.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I am rejecting this response because : they open my investigation on Sunday XX/XX/XXXX & denied my claim in XXXX hrs. Next I provided a police report stating my phone & debit card was stolen. They decided to not investigate & denied my claim in XXXX hrs. I just ask for a fair full length investigation. So I can get my money back without having to go to arbitration Sincerely, XXXX XXXX
Consumer complaint received 2018-01-25
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 — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION (CA)

Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
Consumer complaint received 2017-07-31
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: EQUIFAX, INC. (FL)

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXXXX/XX/XXXX 11. XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AK)

Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Consumer complaint received 2022-04-25
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)

Page 1 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 XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.