davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I opened a new checking account with US Bank. Prior to XX/XX/XXXX. I used promotional Code : XXXX. I had to direct deposit {$6000.00} within 60 days of opening the account. I have yet to receive my {$500.00}. I fulfilled all the requirements on XXXX XXXX, XXXX. I have called multiple times. Claims to the " investigation '' team have been submitted each time. I asked to speak directly to the team and was told " NO one can talk to the team, only request for information forms can be submitted through their backend system. '' So three claims were submitted. 

XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case Number : refused to give to me Called again on XX/XX/XXXX. Customer service transferred me to Promotional team, since she said she couldn't help me. Promotional team told me they can't help me and transferred me back to customer service team. I asked to speak to manager. He did not get on the line. Told me they can only open another case and Manager is claiming that he will call me within 2-3 business days. His name is XXXX XXXX would not give me last name ). XXXX call center. 
told they can't give me a case number but manager would in a few days.

I asked again to talk to manager. 

XXXX got on the phone and claimed the special group contacted me, but they did not. 
Also claimed that the fine print said that it would take up to 90 days for funds to be deposited after the promotional terms have been met. I challenged his information and told him to look at the fine print. He put me on hold. Looked at the fine print. Came back and told me that it was only 60 days. I told him that it has been more than 60 days and I wanted my money. 

XXXX then stated the back office will call me in 2-3 days, not him. Different story again.
Consumer complaint received 2022-06-25
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. (TX)

I never open this account, I was only a minor when this account was open. I have asked several times to get this matter taken care of, and the credit bureau keeps denying my request. I am XXXX years old now and I have a baby, I cant get my own place are open a credit because of that credit file that someone opens using my Social Security number. I have sent in a copy is my Texas ID, Social Security card, and Bank statement with the address and my name
Consumer complaint received 2022-08-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We were a victim of Hurricane Ian. My wife and I took the time to get our damages mitigated to the point where we had help from our church members and family to get all the damages contained and repaired. We received from the flood insurance policy an emergency check for XXXX to help with obtained materials. We now have received our final check from the flood insurance for over XXXX ( total damages over XXXX ). We sent to Truist the check since they were named on the check as a lienholder and they have received as of XX/XX/22. We uploaded all the documentation including the proof of loss and the adjusters work sheet and then requested an inspection, since we were 95 % done with the repairs. Inspection requested on XX/XX/22. Truist did not send to their third party vendor until XX/XX/22. Since our repairs are over 95 % complete, we asked for an expedited inspection since we were that far along. To date, no inspection has been set up so that the inspection can be done to verify the repairs are completed. We have used our credit cards to pay for all the materials, labor and other items related to these damages. and now we will have to pay interest charges on our credit cards due to the delay with Truist Bank 's continual delays in the inspection process. This is not the first time we had to call on CFPB since we had an incident with them several months back related to our Escrow account. I would not bank with Truist if we had another choice in our area, but they have all the banking in our area. Can CFPB get in touch with Truist and get an answer why the current delays?
Consumer complaint received 2022-09-19
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX 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 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Sun Trust merged with BBT and they converted their systems this year. It appeared some how I had a payment missing so I requested my loan history from the inception of the loan to determine where the error was. My first request was online and was told would have to be mailed or i have to try to go to the branch. But they didnt have it and they said it would have to be mailed. So, I tried again online. I am told they have my request. But have no idea how long until or when they will be able to provide my loan history. My first request was XXXX. Again XXXX and again XXXX and again today. Problem 1. I was paperless and it is no longer available online so they are the only ones with my history since they took mine away prior to XXXX! I dont know if I have a larger problem and wont know until I get my history. To make thing worse they double debited payment in XXXX. So apparently they are struggling and clients are the ones impacted.
Consumer complaint received 2022-08-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

XXXX, XXXX, AND EQUIFAX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2024-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

This is a Vanilla Visa pre-paid debit gift card issued by XXXX XXXX. I have confirmed that the card is active using the Vanilla website and that it has {$130.00} available for use. Per the Vanilla website, I am to use my own address and zip code when paying for an online purchase with the card. I have attempted to use the card to make a purchase at XXXX XXXX XXXX and XXXX, but both have been rejected because of an incorrect billing zip code. The phone customer service has advised that it isn't possible to register the card or set my own zip code as the billing zip code.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. 

I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, CAPITAL ONE BANK ( USA ) N.A. doing business as Capital One placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, CAPITAL ONE USA NA doing business as CAPITAL ONE placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has committed XXXX violations. The account with CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One alleges to be original and current creditor 15 USC 1692e : CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
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: Uplift, Inc (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and UPLIFTINC XXXX Date Opened : XX/XX/2021 Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CA)

I vacated military housing in XXXX California and I returned my cable equipment - router/modem, cables and remote control to XXXX XXXX via FedEX to the address provided by customer service. My cable and internet service was discontinued via my cancellation on XX/XX/202 because I was moving. 

The FedEx delivery confirmation states the package containing the equipment was received @ XXXX am XX/XX/2021 and signed for by a person identified as : XXXX. 

A company called XXXX XXXX sent me a notice for " XXXX XXXX '' for {$100.00} in XX/XX/2021. I responded with a certified letter that the debt was in error and the equipment was returned. I included the confirmation of FedEx delivery with the letter. No response or resolution was ever communicated to me via XXXX. Never heard from them again. 

Now as of XX/XX/2021 I have a new company - Collection Bureau of The Hudson Valley, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX citing reference # XXXX stating the same thing- I owe them {$100.00} for unreturned XXXX equipment. This collection is in error. I contacted them via their email procedure and included the delivery confirmation as an attachment. 

Thank You
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2022-09-19
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. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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 law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I have a card through comenity bank. I think they had a ransomeware attack. Cant log into accout to pay or check, has been this way since XXXX. They have charged late fees to me twice ... its hard to figure out what is going on .if you call u wait at least XXXX hours and get hung up on. Check out XXXX i am only one of many having this issue. How can their website be down for 3 months??? Im in XXXX and this would not be acceptable for most companies. If they are a " bank '' dont they have to follow rules?
Consumer complaint received 2022-10-18
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)

Thank you for reading my complaint. I contacted XXXX numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since 2019. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with Equifax in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct XXXX is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2