davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, Citi received a letter from my attorney demanding immediate resolution as to the matter of the unauthorized transaction dispute in the amount of {$170.00} by either crediting my account for the stated amount or conducting a complete investigation of the matter, including acquiring a receipt from the merchant. Citi refuses to conduct a complete investigation by not reaching out to the merchant to acquire a receipt from the merchant in violation of the The Fair Credit Billing Act of 1974. Please see attached. On XX/XX/XXXX, Citi received an additional letter demanding that they either credit my account for the disputed amount of {$170.00} or pay for and open up an arbitration hearing with the XXXX XXXX XXXX, per their card agreement. Citi is currently in breach of their card agreement. Please see attached. Finally, on XX/XX/XXXX, I asserted my rights under Federal Law ( 15 USC 166i ) and Cal. Civ. Code 1747.90 claims and defenses. To withhold payment until this matter was resolved. Citi responded by threatening to report my account as past due to the XXXX major credit reporting agencies.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

XX/XX/2020 I reached out to XXXX  in regards to a collection account reporting a {$0.00} balance, on a {$0.00} loan amount. All they stated was the account was verified. 

This account has not budged to be removed from my report, with XXXX being the original creditor. 

I reached out to XXXX, and they stated they couldn't help me because if there's an account reporting with Convergent Outsourcing, that means Convergent now owns the account. 

My issue with all of this is, WHAT ACCOUNT?! I've never been a XXXX customer. I asked XXXX for the information given to them to open the account, they stated Convergent would have to be the one to provide it to me.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Creditor ; Midland Credit Management is attempting to collect a supposedly owed debt in the state of XXXX. However, according to XXXX XXXX XXXX, records show that they do not possess the proper license to collect debt in XXXX, which is the state I reside in. In the state of XXXX, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have been in dispute with XXXX XXXX  since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I signed up for LIFETIME  access to XXXX XXXX program call XXXX XXXX where I have access to multiple videos on how to make different crafts. Instead of making a one time payment of {$390.00} I paid through XXXX and made XXXX payments.1. {$240.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX. On XX/XX/XXXX i when onto my dashboard where the videos were displayed and about 50 videos were removed. I reached out to this company because I was very upset and I complained to them that I only signed up for this company because they promised LIFETIME ACCESS to the videos I was told they were taking the videos down and added new ones. My concern was how do you promise people that have already spent their money on the program LIFETIME ACCESS but youre taking the videos down that we need without having the new videos up. I requested a refund from the company because of FALSE ADVERTISING and misleading information. I reached out to my credit card company thinking they could help me and it was ruled against although I provided information stating the company stated LIFETIME ACCESS to information I had NO ACCESS to. I do not feel this was a fair judgement and I do not think its okay for a company to promise you something until they get your money and then they dont hold up on their end but then they also dont give refunds. How are the customers protected against deceptive practices? I do not think Discover did a proper investigation because its clear that this was false advertising you can say I have LIFETIME ACCESS but the videos that are being removed I clearly dont have access to them or I have to wait for them to redo videos, thats not what I paid forthe right way would have been to leave the videos up and replace them as you go not remove all of them!!!!
Consumer complaint received 2023-01-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC (DC)

In accordance with XXXX XXXX XXXX, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 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.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. ()

I am XXXX living in XXXX in XXXX. I was applied a loan XXXX through online to Sofi.com on XXXX. that time they asked me the 5 % deposit amount for my repaying capacity purpose. The customer care person asked me the deposit for your account number is wrong so that you want to pay XXXX. I paid it. Again and again they collect the money many more reason facts till time. I paid totally XXXX their asked money. Till time there is no solved my problem from them. Now they asked transfer fee charges again. I wont pay it, i told to them you refund my deposit amount, that time they told me, If you want your deposit amount you want to pay 10 % of my total deposit amount. I thought now they are doing frauldent activity from the public. They doing only collect the money from the public and enjoy it. 
I have really disappoint with this Sofi.com company. I have getting XXXX XXXX. I want to compansate this company XXXX Crores along with my deposit amount.
Consumer complaint received 2020-05-14
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. (MD)

I have been in dispute with XXXX XXXX  since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Dear US Bank Customer Service, I am writing to express my deep dissatisfaction with the service I have received from US Bank, which has led to a distressing and frustrating experience that I feel compelled to address formally. Since XXXX XXXX, I have been locked out of the US Bank mobile application I installed on my phone. Despite making over 20 phone calls and visiting three different branches, my issues remain unresolved. The lack of effective communication and assistance from your staff has been nothing short of appalling. Moreover, I believe that your employees have acted unprofessionally and have failed to uphold the ethical standards expected of a financial institution. I feel that I have been discriminated against during my phone interactions, which raises concerns regarding violations of the Americans with Disabilities Act ( ADA ), especially considering my status as a XXXX individual. I want to bring to your attention that I have recorded all conversations with your representatives, which clearly demonstrate negligence in oversight and a lack of accountability that could lead to serious issues such as embezzlement and fraud. Particularly concerning is the situation regarding a deposit from XXXX XXXX, which your team has incorrectly informed me was returned, despite evidence to the contrary. The emotional and financial stress this ordeal has caused me is overwhelming, especially given the challenges I already face due to my XXXX. I believe it is only fair to request compensation for the pain and suffering I have endured during this time, in addition to an immediate resolution of my account issues. I expect a prompt response to this letter and a resolution to my concerns. Should I not receive a satisfactory reply, I will have no choice but to escalate this matter to the appropriate regulatory bodies. Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-16
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian credit bureau XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (PA)

My problem isnt with these companies, but with my bank. I have used these apps for more than a year, maybe two. Now all of a sudden my bank will not let me connect and link my account. I don't know what the issue is, or what my bank changed. I'm not sure if you can even help me, but your site was given as an option with these apps to help. I thank you for your time.
Consumer complaint received 2023-01-16
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)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 TRANSUNION XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021
Consumer complaint received 2023-01-16
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. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is Transunion, XXXX, and XXXX did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how Transunion, XXXX, and XXXX are violating my rights.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase will not comply with EFTA laws and regulations which states time to report fraud and theft to a financial institution due to extenuating circumstances must be extended to a reasonable time ( 12 CFR 1005.6 ( b ) ( 4 ) ; comment6 ( b ) ( 4 ) -1 ). I have XXXX and during my treatment ACHs in the amount of $ XXXX were taken from the account. The fraud started XX/XX/XXXX. Officials during this time rolled out restrictions due to Covid I was under directive to stay home. Executive order 20-91. Chase shutdown 1000 branches, the branches which stayed open had drive through. Chase had fewer internal control in place to stop fraud less likely to catch suspicious transactions. Even if I could have physically been able I could not have reported the fraud. On XX/XX/XXXX Chase customer service called me about a suspicious transaction I drove to bank to XXXX XXXX branch requested the help of XXXX XXXX he tried for over an hour to file a claim and didnt know how, he said to come back next day. I called XXXX XXXX XXXX and she filed the claim after banking hours. I was not physically capable to provide notification to Chase in XXXX due to XXXX, XXXX and three XXXXXXXX XXXX. The side effects XXXX  left me XXXX XXXX XXXX. Chase implementation of fraud prevention to identify ACH debits was non existent didnt red flag till XX/XX/XXXX.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (FL)

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-01-16
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 was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help