davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-09
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. (MT)

XXXX has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I reached out to Best Buy after seeing a large interest charge to purchase charged to my account. I hardly use this card and would pay the minimum or a little over each month which is calculated by Best Buy. I made a purchase 24 months ago using the promotional offer they offered on a couple of items. I was paying the amount due and didn't add any other large purchases to the card. 

Apparently, they would take the minimum amount and use it towards any amounts with interest and not towards the promotional purchases. They also defer the interest for the 24 months for the full purchase amount. They take the minimum amount and apply it to any purchases that have interest charged. If there is any remaining balance ( which there will be if they are applying payments to interest and not the promotional purchases ) you will be charged the deferred amount in full at once. An example is if you bought something for {$1000.00} and you still had {$20.00} to remaining at the end of the 24 months they will charge the deferred interest for the entire 24 months charged for the {$1000.00} at once. My credit card balance increased from {$2600.00} to {$4200.00} in one month.

This is the second time this company has done this to me. I called to close my account and get on a payment plan to pay this off because I did not expect my balance to increase by that much in one month. They said they had no payment plans available and I am still required to pay the minimum requirement that increased from {$40.00} to {$140.00} a month. This is insane and so insensitive towards their customers. I've had this card for over a decade and have never been able to get it down to XXXX. I would suggest anyone to never get a best buy credit card. It is a hoax to keep people paying and in debt if you are unable to pay the amount in full at the end of each month. Do not fall for the promotional offers!
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-31
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: CBC Companies, Inc. (GA)

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NC)

In accordance with the Fair Credit Reporting act Elan Financial Services XXXX 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 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-31
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: ERC (PA)

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Received a text message about my credit card informing that I needed to " ( Call XXXX XXXX # ) XXXX-temporarily-locked-ID : XXXX '' Text was sent to cell number at XXXX XXXX XX/XX/2022 I had tried to log into my credit card account and it indicated my information was incorrect, it was not, I then called the credit card company ( different phone number ) and spoke with the representative who informed what I knew to be true about my account, the current balance, pending payments, available credit and that my account was in good standing and not locked..
Consumer complaint received 2022-07-31
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: EQUIFAX, INC. (MN)

I have sent a Federal Trade Commission Identity Theft Report to XXXX XXXX, XXXX and Equifax. The following accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized, and not mine : Accounts : 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, Credit inquiries : 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 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 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 XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Hi, my name is XXXX XXXX. 

I am contacting you guys because I feel like I don't know what else to do. I have been banking with Chime for 2 years now. Recently on XX/XX/2022. There was fraudulent activity on my account. My debit card was being used 3 hours away from where I was at. 

XXXX XXXX XXXX charged my card for {$520.00}. This activity was not me nor was I allowing anybody access to my card. 

Chime has closed my dispute trying not to help or give me my money back. The case is open again now. I tried to contact police and file a report but I keep getting messages back about how the reports are not in their jurisdiction. I tried for XXXX and XXXX Police. 

The hotel my card was used at has been contacted and they said they have marked it as a fraud booking but won't release any information to me or my bank. They said they can only talk to the police. 

Please let me know if you can help me. Thank you.
Consumer complaint received 2022-09-27
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: LEXISNEXIS (CA)

We opened our LLC business XX/XX/XXXX as XXXX  XXXX XXXX XXXX. We recently started building our credit and we were getting denied then realized there was alot of inconsistencies on our business credit report. We have been denied with 9 inquiries for our business and creditors are told our business doesnt exist. We contacted Lexis Nexis XX/XX/XXXX about this situation. Lexis Nexis stated that they could not confirm our business information and asked us to scan our EIN letter and Articles and proof of address into them. We did this, and they stated they still could not confirm and said to allow them 60 days to investigate. We received a report by mail for XXXX XXXXXXXX. We contacted them by phone to advise them of the missing letter on the " enterprises ''. Again, they wanted us to send documents, we sent them and still the same info they sent to us is someone else 's business information which includes someone elses private financial information and sensitive information. We contacted Lexis Nexis again and requested to speak with a supervisor to resolve the situation. They stated a supervisor would contact us within 48 hours. A supervisor did contact us, but advised us we need to send in documents and that they could not start an investigation without the info. We advised her that we did send in documents 5 times, documents confirming our business was sent in multiple times. We informed her that they are pulling up the wrong business and to check the spelling on the business name and the Entity ID number. No resolution on this call. Stated there is nothing they can do. We called Lexis Nexis again to complain that the investigation of the business is NOT our business, the entity number and spelling of the business they sent us is different from ours. Also our business address was updated and that info was sent to them as well. attaching documents.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. 

I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. 

I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. 

On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. 

I'm also having this issue with PNC Points credit card. 

PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. 

In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. 

At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: ID Analytics, Inc. (AL)

I contacted XXXX, XXXX XXXX, Sagestream LLC., via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
Sagestream has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
Consumer complaint received 2022-12-08
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: LEXISNEXIS (AL)

I contacted XXXX, Lexis Nexis, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

Lexis Nexis sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
Consumer complaint received 2022-09-27
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)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-31
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: EQUIFAX, INC. (MA)

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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. (AL)

In accordance with the Fair Reporting Act. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 2 A 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-31
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. (TX)

So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.