davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Consumer reporting agency EQUIFAX has violated my federally protected consumer rights under the civil liability for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ). 
By Withholding account data with intent to negatively affect my consumer credit score, by falsely reporting on two of my accounts in the Comments field Charge Amount in H/C column is credit limit which report {$0.00}. And withholding account data in the Credit Limit field on eight of my accounts which report {$0.00}. With intent to negatively affect my consumer credit score and utilization.

Which I upload to provided factual information directly from my consumer credit report.

15 U.S. Code 1681n Civil liability for willful noncompliance ( a ) In general, any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

ARS is reporting {$1000.00} in collections to my credit report. I disputed the account because I have health insurance. They verified the XXXX to the credit bureau. When I sent them a letter asking for the medical registration sheet for that balance since I always provide my insurance to my doctors. AS replied that they verified the account. However, they did not send me anything related to what I requested.
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 — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (FL)

I have no recollection of these inquiries on my account I have called I have written and nothing has been done 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  Credco XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Subject : Failure to Receive Advertised Bonus for New Business Checking Account Dear Sir/Madam, I am writing to express my concern regarding the failure to receive the advertised bonus for opening a new business checking account with Bank of America XXXX 

On XX/XX/year>, I opened a new business checking account for my company based on the promotional offer outlined here : Bank of America Promotional Offer. The promotion clearly stated that by opening a new Bank of America business checking account and depositing {$20000.00}, I would be eligible for a {$1000.00} cash bonus. 

The terms of the promotion were as follows : A {$1000.00} cash bonus for depositing {$20000.00} or more in new money into the new business checking account within 30 days of opening and maintaining an average balance of {$20000.00} or more during the maintenance period. 
The maintenance period begins XXXX calendar days after the account opening and ends XXXX calendar days after the account opening. 
A {$1500.00} cash bonus for depositing {$50000.00} or more and maintaining the balance during the same period. 
I followed the promotional terms precisely : I opened the account and enrolled in the promotion. 
I received confirmation of my enrollment on XX/XX/year>, from Bank of America representative. 
I deposited {$20000.00} on XX/XX/year>, and received preferred rewards for this account. 
Despite fulfilling all the terms, I did not receive the promised bonus. I raised this issue through Consumer Client Escalations. After being transferred through multiple representatives, I was informed that I was ineligible for the bonus because I had not received the offer directly from a Bank of America specialist or communication. But I did not receive any official letter to explain the reason of deny. 

However, I opened the account directly through the Bank of America website, which, in my understanding, constitutes direct communication from the bank. Therefore, I believe I should be eligible for the promotional bonus, as the website itself presented the offer and I met all other requirements. 

I kindly request a review of my case and resolution to ensure that the promotional terms are honored as outlined. 

I appreciate your prompt attention to this matter and look forward to your resolution.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, I was trying to withdraw {$1000.00} from my checking account ending XXXX. The bank fraud alert came in via text message on my cell phone ending # XXXX. And the cash was not disbursed due to " Security alert ''. I was told on that Text to type YES OR NO if I am the one who is trying to withdraw this cash. I then typed YES and was told to try again. 

I then tried again and disbursed {$800.00}. Bank of America took credit for both transactions for {$1000.00} & then {$800.00}. I filed a claim at the Bank of America, and they denied me not to give me credit of that {$1000.00}. I have the entire text message via my text & I even sent that as evidence. Still, they denied giving me the credit of my {$1000.00} credit.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have been in the process of closing my lease buyout with XXXX XXXX. I have paid all my lease payments on time, including the final check payment of {$10000.00} for the lease buyout. I received confirmation by phone that the check was received. They called asking for documentation about the lien agreement, and I submitted it to them on the Support Center. It has been weeks and they have not closed my account. It is showing I am {$500.00} past due on my account, which is incorrect because my lease ended on XX/XX/29 and they still show I need to pay. I have called at least XXXX times to have this resolved and my account is still open. As a result, they have put derogatory marks no my XXXX XXXX which has made me lost almost XXXX points! I do not know what to do about this and am pretty upset because it has affected my XXXX XXXX that I have worked so hard to keep above XXXX. They said they would close my account and request the derogatory marks be taken off but it has yet to happen!
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account is open, yet you report it as closed. You have stated, falsely, that it is Transunion, XXXX  and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or 90 days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

SUBJECT : Complain against Experian for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit byXX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXXXXXX XXXX credit card ). 


Hello CFPB, Because of negligence by Experian, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including Experian ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX ) are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, Experian futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 

Experian abaited the Auto Loan Dept. of companies such as XXXX XXXX XX/XX/XXXX and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to Experian, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including Experian.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I proceeded to open a checking/debit card account online with Citibank, and deposited funds into the checking account. I began to fund the Citi checking account with an initial deposit of {$3000.00} electronic transfer from my current checking account, then deposited a second transaction of another {$3000.00} for a total balance of {$6000.00} into the new Citi checking account. 

I registered my current large bank checking account via Citi 's website so I could transfer funding into the new Citi checking account, which Citi accepted both my current bank account as valid, and Citi accepted the deposited funds of {$6000.00} per the 2 transactions. 

Citi then proceeded to immediately blocked my new checking account, after they accepted the {$6000.00} deposits, and told me I am a security risk, and my account and funds are being blocked and withheld, refusing to allow me access to my already approved and deposited funds into this Citi checking account. I followed Citi 's online menu commands, and did nothing outside of their online prompts. 

I proceeded to call Citi numerous times over the phone, to find out why Citi accepted my deposits and then refused to allow me access to those funds, to only be constantly referred to their rude and obnoxious fraud department telling me that I am a security risk. Citi could not explain or clarifying what I was doing to be labeled such a risk where Citi was allowed to block my account and funds. I performed all these transaction per the Citi website and mobile app, only using Citi 's menu commands. Why would this labeled a security risk if I am following Citi 's procedures??

I had only a total of 4 transactions with this new Citi online checking account, 2 deposits that Citi accepted my cash deposits, and 2 attempted withdrawals from me in an attempt to gain access back to my deposited cash funds that Citi continued to block and refuse access to my approved deposited funds. See the enclosed file for copies of the online deposits/withdrawal 's that I was able to perform each time Citi blocked my transactions. It took so much effort over the phone to allow me access to my deposited cash funds. 

This is total abuse and discrimination for reasons Citi was unable to explain or illustrate to me what I was supposedly doing wrong.

Cit has erroneously closed all of my accounts based on false accusations. All I did was perform deposits and attempted withdrawals per Citi 's website. Citi has no right to refuse me access to my deposited funds, and they should return my cash funds immediately.

Citi owes me a full apology fo rthis abusive treatment.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I submitted a factual dispute, based on information contained in my XXXX and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked Khols/Capital One to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years.

I do not understand why the credit bureaus and Khols believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I find it incredibly disheartening and infuriating that despite adhering to every protocol in disputing this account, I am met with an outrageous level of negligence and indifference. I've diligently followed the necessary steps : reaching out to the bank, involving law enforcement, and filing a report with identitytheft.gov. XXXX, in compliance with legal requirements, has promptly removed the account from my records. However, Experian seems to operate in an alternate reality, questioning my diligence in following procedures. This is the sixth complaint I've filed against them, and every time, I am met with the same absurd response, claiming the validity of the documents I've submitted is in question. I refuse to believe that the consumer laws and courts are so lenient that they render filing a lawsuit futile. Having endured this ordeal for over six months, I am at my wit 's end. Experian 's blatant disregard for the severity of my case is beyond comprehension. XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Let it be clear that I, the person submitting this complaint, am unassisted by any third party. I implore you to treat this matter with the urgency it deserves.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (MS)

Have tried both numbers for Factual Data and they can not tell me whom these Hard inquiries are for that only I would know that info. I have asked around and they seem to be able to report this for just about anything at will. Asking they be removed now not 2 years from my account or proof of what these are for. 

FACTUAL DATA XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL DATA Inquiry : XX/XX/XXXXCredit Union ( XXXX ) XXXX Institution Information FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-04
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations. 

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report. 

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options. 

The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXX, PA XXXX Please also remove the non-mailable addresses : XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I signed up for a CITI public checking account promotion in early XXXX for XXXX dollar bonus if depositing XXXX within 30 days and maintain balance for 60 days. I waited patiently for entire waiting period ( up to 90 days after meeting criteria ) and checked with CITI customer representative a couple of times during that period to confirm my eligibility for the welcome bonus. 

However, right after my 90-day waiting period, I still didn't get the bonus and opened a case with CITI. After investigation, CITI claimed that I am actually not eligible for the bonus due to a targeted promo code they claimed attached to my account even I fulfilled all the requirements. I pointed it out to CITI that I signed up for a public offer which doesn't require any promo code but they insist that I signed up for a targeted promotion regardless their customer representative confirmed my eligibility for welcome bonus numerous times. 

I was asked by CITI to provide promotion disclosure after 6 months I signed up for the account to prove myself truly eligible for the promotion which I found is ridiculous. They can simply deny the promo they ran by themselves by claiming a targeted promo code that was attached to a customer account without any proof meanwhile expecting their customer to keep all the evidence. I also feel disgusted by the way how CITI holds a customer 's hope for as long as 6 months by having representative keep assuring customer 's eligibility then tell customer he/she is actually not eligible for the promo at last minute.