davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have had my credit report used for promotional purposes by a person or institution whom did not have my permission to use my consumer report/credit report. As a result, there has been hard inquires added to my credit report without my authorization. These reported hard inquires do not belong to me and i have no association with these banks. 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 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 2024-01-22
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a XXXX credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NY)

I applied for a Citi Priority account on XX/XX/18. I received confirmation of my account number XXXX the same day. I received a letter dated XX/XX/18 that my account is open. I received a second letter dated XX/XX/18 that my account is closed because they couldn't verify my information. 

How does this make sense? Did Citibank approve my account without verifying my information? Or did they approve my account then changed their minds. This is the second time I've tried opening an account. The first was denied proactively for the same reason. Before, they didn't give me the opportunity to verify my information. Now they seem to be messing with me again. 

I have already received my welcome package of checks, ATM card, and PIN number.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (NC)

I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is Online Information Svcs, this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.
Consumer complaint received 2020-05-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( Transunion & XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( Transunion ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX  XXXX XXXX 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Created ( Paypal.Me ) with id -- https : //www.paypal.comXXXX service for easy transfer from Paypal account gave it to my friend to transfer money. He transferred {$17.00} dollars with transaction-id XXXX and also {$20.00} dollars with the transaction id XXXX. I did not receive these two amounts to my account. When checked this paypal.me account is associated with an e-mail from XX/XX/XXXX ( meaning XXXX ) XXXX. Both my friend and I intended to transfer money domestically in USA how did this happen. Paypal has no clue they keep saying no unauthorized transaction. 

When I asked PayPal about these missing payments they have no clue about it. No phone number to call only send the messages. The very slow response I got 3 messages in a week. This is the height of the worst customer service when financial transactions are involved.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I have an escrow account with Citibank to pay my taxes and insurance. The house receives one tax bill for the county and one tax bill for the city. The city tax bill was paid on time with no issues. The county tax bill has not been paid and is now 2 months late. I have inquired about this directly with Citibank no less than four times. The responses are generally, " it's under investigation '', " it has been escalated '', etc., but there has been no change and no updates. The bill was due on XX/XX/XXXX and was received by the bank in early XX/XX/XXXX.
Consumer complaint received 2024-01-22
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-23
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: JPMORGAN CHASE & CO. (NY)

In accordance with the fair credit Reporting act this creditor, has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian refuses to correct information after being provided proof of inaccuracy. XXXX  deleted these addresses because they know they're inaccurate. So how is it Experian is validating these addresses? 

This Violation is : Defamation, and willful injury. 

Legal Jurisdiction : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).

The highlighted addresses are FRAUDULENT. I am a victim of identity theft. Which Experian is very aware of.
Consumer complaint received 2024-01-22
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (TN)

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law XXXX. XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Credit XXXX - Account Number 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 INQUIRES XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 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 ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (KY)

I received an email from PNC bank on the morning of XX/XX/2023, alerting me that my checking balance was {$0.00}. 

I checked the PNC XXXX  and saw a charge of {$1500.00} or so to Rental in XXXX, posted on XX/XX/XXXX. I had never even heard of XXXX in XXXX until this point. 

I called immediately and was told they would take up to XXXX days to even get provisional funds back in my account. I asked them to expedite that, but was told that since I had a balance in a separate XXXX  account, I didnt qualify for emergency expedition. I asked what if I had plans for that money? They had no response. 

I called again this morning, XX/XX/XXXX. There has been no progress, of course, but I was able to convince them to expedite the fraud investigation. Although they still maintain it could be XXXX days for provisional funds to hit my account, and something like XXXX days for the actual money to be refunded. 

Some background : I have been using my PNC credit card to buy things for our trip to XXXX next week. Most of those transactions have been flagged for security. XXXX glad for that and shot to take the time to confirm the purchase. Its ridiculous that they dont have the same tenacity when it comes to my debit card. 

Thank you.
Consumer complaint received 2023-02-22
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: Conn's, Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (AL)

Good evening my name is XXXX XXXX ive been a wells fargo customer since XXXX late XXXX i got a lawsuit settlement brung a XXXX XXXX check too bank they held funds for 3 weeks after three weeks i attepted too go with draw funds and they told me i couldnt withdraw but XXXX XXXX that day no issue i tried yoo go back later on that week too make anoyher wothdrawl and my account was frozen it was frozen for almost a month and at same time noticing my money being taken out in big increments almost XXXX XXXX find out account was levied which wasnt not suppose too be around XXXX XXXX XXXXmy acount was closed because of fraud activity caught by the bank they set me a account for too keep idenity safe after that later on in XXXX inrecived my XXXX settlement then account froze agian and money was withdrawed around XX/XX/XXXX just last year my account had too be changed because it was unknown XXXX transfers and also other withdrawls coming frm.unknown places out of my account i called the bank they told me too set up a whole new account this had been ongoing atleast over 10 times throughout the 4 year relationship with them which my ssa benefits not suppose too be touched someway somehow my.account still got managed too let withdrawls happen on there accord wellsfargo is my bank i have alot more.info dont know how much i need too write also i have proof of statements letters
Consumer complaint received 2022-08-15
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. (GA)

in accordance with the fair credit reporting act, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-11
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. (TX)

This is my ANOTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$210.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-11-26
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. (GA)

I have disputed XXXX XXXX XXXX with Equifax for over a year now. I have asked Equifax to make XXXX XXXX XXXX send me something with my signature on it. Equifax did not grant my request, instead, they emailed me and said the account was verified. THIS account needs to be removed from my credit report if XXXX XXXX XXXX can't supply Equifax with something with my signature on it.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Cap/Cabelas XXXX : I was not late making this payment. I paid online and when it came time to view the confirmation screen, the online portal kept kicking me out. I then called the company to ensure that my payment did in fact go through. The lates that you are reporting to the credit bureaus are inaccurate and need to be removed from my credit report immediately.
Consumer complaint received 2017-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASHCALL, INC. (CA)

I had contacte d Cash Call in order to shop rates for a consumer loan. I did not give them any of my personal information. The  purpose of my call was to only get an idea of what their rates would be in response to their advertising. I spoke with a customer service representative on  XXXX / XXXX /   17  to discuss the possibility of getting a loan with them. The call was for the purpose of discussing rates and terms. After he told me how much the rates were, I decided not to go forward. Again, I did not give them any of my personal information. It is my belief that they " skimmed '' my information from other companies that I had completed an application with. When I called Cash Call to discuss with them that I was upset they had run my credit without my permission, they said that I did give them permission. That is completely false. The dates do not match up either. My credit report shows it was pulled on  XXXX / XXXX / 17  and the customer service rep said it was pulled  XXXX / XXXX / 17 . I have the email that shows when the credit report was pulled. Also, when I asked to speak with a supervisor, they  said one was not available.
Consumer complaint received 2022-11-11
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 Credit Acceptance, LLC (FL)

On XX/XX/2022 I informed American Credit Acceptance who was reporting an unlawfully inquiry on my consumer report. I ask the company to send me the document with authorization with no reply.
Consumer complaint received 2023-02-22
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. (NC)

In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.
Consumer complaint received 2020-07-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

My intrest rate is now 66 %! I would have never signed up or a loan at that APR. The terms are changing on my loan without notification. Harassing phone calls. I have paid over {$1000.00} on this loan and only about {$200.00} going towards pay off. Deceptive marketing. Predatory lending.
Consumer complaint received 2024-01-22
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. (NV)

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law! 

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 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