davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/22 my account had a negative balance. I transferred some money in and went to the closest branch when I got out of work to deposit cash to bring the account positive and cover upcoming transactions. To my dismay, the ATM was not accepting cash. I reported it and messaged with a representative when I got home whose only response was " go to another branch '' which was not possible. Then I was charged {$110.00} in fees and several transactions are being returned, which will cause more fees. I have a photo of the ATM telling me it was not accepting cash, and screenshots of my conversations with the representative and can provide those.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC (MA)

I received a call regarding home loans and how they work. Then I received a second call and they told me that my score was XXXX which I confirmed to be true. However, I never agreed to them processing an inquiry.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IA)

Opened account with US bank on XX/XX/year> ( checking and savings ). Deposited {$600.00} check same time as opening the account. Had downloaded the app and there was {$250.00} available in checking and {$150.00} available in savings that day. The next day and for 4 days after there was a {$0.00} balance in both accounts. Eventually the {$450.00} in checking and {$150.00} in savings was available in the app. I went to a local branch to pull {$100.00} out for gas since I still didnt have my card and was able to do so. I made an online payment to my attorney on XX/XX/XXXX of {$380.00}. After that and even still today it still says my available balance in checking is {$450.00} and {$150.00} in savings. ( I have it set up that my saving roll over to my checking if the checking funds werent enough to cover an expense ). I finally received my debit card today ( XX/XX/XXXX ) in the mail. It would not show a debit card to activate on the app so I called the toll free number and it sent me to a customer service representative because it could not activate the card. The woman I spoke with could not activate the card either and looked through the account to see what was happening, she stated that US bank had closed the account but had no other information on why. There was no communication with US bank that they were closing the account and I have not received a check in the mail with my money. I have no idea when they closed the account or why nor if my money is still in that account or if there is a check sent via mail.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (OH)

On XX/XX/year> there were two unauthorized charges at my online bank that I use called Current. One charge of {$170.00} and {$1200.00}. It made my bank negative over {$1200.00}. I filed a dispute and had the bank send me a new card. I had my social, birth certificate, ID and phone stolen, and I ended up filing for identity theft in XXXX and again a few weeks ago. I would contact the bank every day asking them to return the money until the dispute was being investigated because they should have credited my account until then. Well, they hurried up and said the dispute was resolved after I contacted them again and I asked them what the evidence of the dispute was, and they could not provide me with the information. They kept ignoring the question. I added a police report and sent the proof of me filing ID theft and had to file an appeal because they are trying not to give me back my money. It is causing hardships now and I'm about to lose my home. I do not have overdraft on my account either so no matter what they should have never let a charge exp that big go through. It has been a nightmare trying to get my money back.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i sent a dispute letter to the XXXX and XXXX  and transunion on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (OH)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX. These companies have NO permission to report anything using my info pursuant to 15USC 1681 XXXX. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXX XXXX XXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXX XXXX XXXX XXXX XXXX instructing the XXXX to remove this account tradeline from my consumer report.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received transunion letter in the mail which stated for fourth time to contact the banks which i have 9 times please read the complaint carefully below ************PLEASE READ********* I HAVE CONTACTED TRANSUNION 9 TIMES OVER THIS ISSUE AND I KEEP GETTING THE SAME RESPONSE WHICH IS TO CONTACT THE BANKS WHICH I HAVE 9 TIMES AND ALL 9 TIMES THE BANKS HAVE CONTACTED TRANUNION ON 9 OCCASIONS AND ASKED FOR THE INQUIRIES TO TO BE REMOVED AND FAXED THE BANKS AND SENT ME LETTERS SHOWING THAT THEY HAVE REQUESTED THE INQUIRIES REMOVED WHICH I HAVE SENT TO TRANSUION, TRANSUINON IS BREAKING THE LAW BY NOT DISPUTING THESE INQUIRYS. I am asking for {$30000.00} in damages at this point. Federal law states i may dispute anything on my credit report ANYTHING. PLERASE READ THE COMPLAINT BELOW THAT HAS BEEN SENT 9 TIMES : I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX/2022. I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.
Consumer complaint received 2022-07-15
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. (VA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-15
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. (GA)

This is my 5th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX DEPT ED XXXX Balance XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Consumer complaint received 2023-01-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. XXXX, Equifax, and XXXX 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 XXXX, Equifax, and XXXX are 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. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

I applied for and received a Citi Simplicity credit card for the sole purpose of taking advantage of a balance transfer. On XX/XX/XXXX I transferred the sum of {$8000.00} to the card with an offer of no interest until XX/XX/XXXX ( XX/XX/XXXX Statement Attached showing both the transfer and the interest agreement ). Since that time I have made regular payments each month in the amount of {$400.00}. I have included XXXX, XXXX, XX/XX/XXXX statements showing my payments of {$400.00} each month with no interest being charged on the balance transfer. There is no other balance for purchases and I typically do not use this card for purchases. On XX/XX/XXXX, I used the card to pay my daughter 's XXXX XXXX as shown by the XX/XX/XXXX statement. In 11 days, I paid the amount in full as also shown by the same statement. Because I paid this purchase in full, there should be no interest charged. However, Citibank charged me interest of {$36.00}. The only balance on the card is for the remaining balance on the balance transfer, that should have no interest charged to that balance until XX/XX/XXXX. Additionally, Citibank has continued to charge me as shown by XXXX, XXXX and XX/XX/XXXX Statements ( attached ). After contacting Citibank, and escalating to a manager, she agreed with me that interest should not be charged. However, she said she had to escalate to a different department and they would send me a letter. I was on the phone for about an hour with all departments. I have attached the letter dated XX/XX/XXXX which only explains to me how CitiBank charges interest. It does not address my specific complaint nor give me any relief.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

I filed a investigation with XXXX, XXXX, and XXXX about my account with World Finance account ending in XXXX. As well as XXXX XXXX, XXXX. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.
Consumer complaint received 2022-07-15
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. (GA)

This is my 5th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (IL)

EQUIFAX has violated my federally protected consumer rights Reporting Fraudulent accounts to my report.The Law Clearys States 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-09-14
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. (AL)

I am contacting you because Transunion is lying stating that they are not receiving my dispute letters to remove fraud information off my credit report. I have mailed all the documents they requested mailed beginning XX/XX/XXXX they received on XX/XX/XXXX ( which they say they never got ), mailed again on XX/XX/XXXX they received XX/XX/XXXX, which they say they received but it did not come from me even though I kept calling before they got the letter after this I mailed the letter again on XX/XX/XXXX which I have proof they got it on XX/XX/XXXX but they say they have never gotten it. I have proof from the USPS that they have it! I paid extra for tracking and Transunion has a lie each time. I am requesting that these inquiries for XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXXX/XX/XXXX XXXX,, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. I have attached the FTC report and my identification information.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX,