davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

I opened a new checking account with Citi on XX/XX/2022. At the time, they had a promotion for new accounts, and the welcome package they sent me stated that I could receive a bonus of {$200.00} for maintaining a balance of at least {$10000.00} for 60 days from the 21st day after opening the account ( the " Maintenance Period '' ). It also says, " Your bonus will be paid to your Checking Account within 30 days after you successfully complete all required activities. '' My Maintenance Period began on XX/XX/XXXX and ran through XX/XX/XXXX, and I maintained a {$10000.00} balance during that time. I should have received my bonus by XX/XX/XXXX, but I still have not received it. I have submitted cases, complaints, and disputes with Citi, all to no avail. Today, I was informed Citi has a backlog of disputes, so they were not accepting escalations and that it could take up to 30 business days to even review my dispute.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

I have travel cancellation/interruption service through Barclay 's XXXX ( provided by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I had a trip interrupted due to covid in XX/XX/2022. I submitted all the necessary documentation on XX/XX/2022. The total costs were about {$700.00}. The company repeatedly emailed me again and again asking for the same forms. I repeatedly replied I had already sent them and gave them the relevant information. They never said the information I submitted was insuffiicent- just kept sending me automated requests over and over. Then on XX/XX/2022, I received an email from them stating that I had filed a claim for {$200.00} and they had paid me the {$200.00} ( I did receive this money in my account ). They did not deny my fulll claim or say there was anything insufficient about my submissions or that there was any kind of deductible - just that my demand was {$200.00} and they had paid me {$200.00}. I've sent multiple follow up emails since then and they won't respond or provide any basis for the minimal amount they paid me.
Consumer complaint received 2022-12-05
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (CA)

Credit report inquired : Experian XXXX : XXXX XXXX I learned that this is The XXXX XXXX through XXXX Bank XXXX XXXX Inquiry date : XX/XX/2022 I have not had any contact with The XXXX XXXX or XXXX Bank in the last 6 months ( I was actually overseas on military XXXX ). 
I tried calling the phone number that appears on the inquiry log ( XXXX XXXX ), but that's a phone number for their account holders. 

I was alerted of this inquiry by email by XXXX ( I have a credit card account with them ). The inquiry came a few days after I unfroze my credit reports.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (TN)

I enclosed the documents in a FULLY PRE-PAID envelope provided but the UNITED STATES POSTAL SERVICE addressed to : XXXX of ( Company ) & ( XXXX XXXX Agents ) CONSUMER NOTICE OF RESCISSION OF AGREEMENT AFFIDAVIT OF TRUTH NOTICE TO CEASE AND DESIST ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT LIST OF EXHIBITS TILA CODES AND VIOLATIONS
Consumer complaint received 2022-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Delta Management Associates, Inc. (FL)

I, XXXX XXXX, Consumer, HEREBY ORDER Delta Management Associates Inc, to CEASE AND DESIST all communication through any medium directly or indirectly. This is my first and last warning, anything after this I will file a lawsuit in Federal District Court with Prejudice! XXXX XXXX ALL RIGHTS RESERVERED UCC 1-308
Consumer complaint received 2022-07-13
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (CA)

I called Equifax and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there erroneous accounts on my credit report which are misleading to me. I sent a letter to Equifax and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$9900.00} ; XXXXXXXX XXXX  Balance : {$9800.00}
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TX)

I have had several issues with this company that can only be resolved by contacting the CFPB. I have sent Grain multiple messages about not being able to use my account and never received a response. I have been on autopay with Grain for over a year. I have evidence of that. The last statement they sent, it said that I was on autopay. However, I received an email that I had a late payment. I have 50x that amount in my account, so I know it did not go through for a lack of funds. There is no way that I can sign in to pay it because the app doesn't work and there is no way to get through to customer service. I would like for the nonpayment to not be reported to my credit and for someone to contact me so that I can pay this off. 

The Grain app is a terrible app.
Consumer complaint received 2022-10-21
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: AFNI INC. (GA)

i, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

About 5-years ago, I found out that someone stole my identity and then got a factoring loan. I am a XXXX XXXX. I don't even know what a factoring loan is. 

I called the collection agency. They told me they understood it was not my loan and said they would remove it from my credit. 

Now, I am trying to buy a home and my loan officer showed me my credit. They lied to me and are still reporting it! 

There is no way they can prove to you that it is my debt because it isnt my debt. It is the thiefs debt. The collection agency has a responsibility to remove incorrect information from my credit.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (GA)

Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX WRONG : -- - Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX WRONG : -- - High Balance {$180.00} Original Creditor XXXX  XXXX XXXX : -- - Past Due {$280.00} Pay Status >Collection Estimated month and year this item will be removed XX/XX/XXXX -- - I have spoken to XXXX  XXXX and they state the amount owed is wrong, in fact, I don't have a balance because they were charging me for months I did not live at the address. My bill was paid when I moved. 

I have never received a bill or notice of this and XXXX  XXXX had my forwarding address. 

Bonneville changes the amounts and dates to keep this on my credit. This was a XXXX account, paid in full at the time I moved. I spoke to the Utility commission and XXXX  XXXX removes these accounts after 4 years. 

Bonneville knows this account collection is fraudulent but keeps pursuing this.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (MA)

Equifax claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my Equifax report and they were not address by Equifax. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Equifax continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for Equifax to be in compliance. At this point Equifax is in direct violation on multiple accounts according to FCRA.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TransferWise Ltd ()

My Friend from XXXX send me money US {$65.00} to my account in XXXX. She sent in dollars but mg account is in euros. I didnt recieve the money. 
Paid out from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX partner XXXX XXXX ( USD ) Trace id XXXX Transfer overview Amount paid by XXXX XXXX XXXX USD Transfer XXXX XXXX USD Converted and sent to XXXX XXXX XXXX USD Sent to Name XXXX XXXX Account details XXXX XXXX XXXX XXXX Fee Payin XXXX USD Conversion XXXX USD Total fees ( included ) XXXX USD Exchange rate XXXX USD = XXXX USD Reference XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22. 

I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill. 

I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done.

Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare.

They couldn't even tell me the numbers on my own card after 3 hours of being on the phone.

The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN!

I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case.

Please help me appeal this case with Apple Card/Goldman Sachs ! !!
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Elevate Recoveries, LLC (TX)

I asked Elevate Recovery to stop calling me, yet they ignored my request and tried calling at least two more times, which I was able to document : XX/XX/2022 and XX/XX/2022. Furthermore, a letter dated XX/XX/2022, was mailed to me with the alleged debt. However, I was not given the opportunity to dispute as I was alerted on XX/XX/2022 that this account had been reported to my XXXX credit report. I was not provided sufficient time to respond.
Consumer complaint received 2022-10-21
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: Bridgecrest Acceptance Corporation (FL)

BRIDGECREST FORMERLY DRI Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX 

Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked XXXX to investigate and they IGNORED the disaster plea I made due to Hurricane Ian. 

As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.
Consumer complaint received 2022-09-28
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: American First Finance, Inc. (TX)

In accordance with the fair credit reporting Act XXXX Account # XXXX American first finance violated my rights 15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section A 604 A section XXXX A Consumer reporting agency can not furnish a Account without my written instructions
Consumer complaint received 2022-10-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Transunion : XXXX  XXXX XXXX ; Account # XXXX
Consumer complaint received 2022-10-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-01
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: JPMORGAN CHASE & CO. (CA)

Hello and thank you for helping, I wanted to please reach out because I noticed transactions on my checking account at are not authorized. 

Funds re being withdrawn every 2 weeks since XXXX and am please requesting to have this stopped and my funds reversed. 

I attempted to resolve the issues however the agent said to call the merchant? Ive never even dealt with the merchant and dont know what to do {$60.00}- XXXX XXXX XXXX I googled them and see people reporting this bank as stealing money and continuously withdrawal from accounts that arent theres