davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OR)

US Bank account 1. On XX/XX/XXXX, XXXX, a banker at the XXXX location, opened a business account for me and promised a {$500.00} bonus if I maintained a {$5000.00} account balance. To meet this requirement, she transferred {$5000.00} from my personal checking account to the business account, instructing me to leave it there for at least 60 days to receive the bonus. After more than two months, I still hadn't received the promised {$500.00} bonus. On XX/XX/XXXX, I returned to the bank to file a complaint. XXXX didn't want to resolve the issue and referred me to another banker under her supervision. This new banker claimed it was my fault and insisted I needed to deposit {$5000.00} in new money into the business account, a requirement I was never informed of. However, they never got back to me. On XX/XX/2023, I decided to visit a different branch at XXXX and filed a complaint with XXXX XXXX, the branch manager. He promised to get back to me soon, but I haven't heard anything since then. 

2. XXXX also offered to open a savings account for me, assuring me there would be no fees regardless of the account balance. However, I later discovered that there was a $ 5 monthly fee, which contradicted her initial statement. 

I believe there may be a network-wide issue within the bank covering up the misconduct of its employees. I'm seeking assistance to resolve this stressful situation.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled a copy of my TransUnion consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Stellantis Financial Services US Corp. (TX)

On XX/XX/2023, I went to finance an auto at a dealership. I was already pre-approved from a certain lender ; however, the dealership ran my application to other lenders. Stellantis Financial Services , Inc. was one of them. Bank XXXX XXXX immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an account that shoiuld not be on my credit report. I have a letter of removal from the company stating that the account has been closed and no longer reporting on my credit report. I am needing Transunion to update their records as requested by the company.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2016-05-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (SC)

I apply for XXXX loan from Cassle Payday I was informed that there would be a XXXX finance charge. Paid off the three in monthly payment. After I made two then I was told that my total payments over XXXX. 
I told I had agreed to a total of XXXXnot XXXX I would have never agreed to anything like that. 
Two I receive a call some saying that Cassel Payday have change their name XXXX XXXX Loans.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-12-05
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: EQUIFAX, INC. (NC)

I received my credit report and notice that I have credit inquiries on my report that I did not authorize. I contacted Equifax to have these inquiries removed. They ensured me that the inquires would be removed, but then sent a letter stating that the inquiries will remain on my report. I am demanding that Equifax remove the unauthorize inquiries from my credit report so that the report may show accurately.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/2023, I applied online for a line of credit. Cardinal Financial immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/2023, I demanded that PORTFOLIO RECOVERY ASSOCIATES LLC comply with 15 U.S. Code 1692g. On XX/XX/2023, XXXX responded, stating, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' It is my right under 15 U.S. Code 1692g to receive all information within 30 days pertaining to this alleged account. 

On XX/XX/2023, I received a letter that I find to be laughable, claiming the completion of their investigation with a hearsay document that appears to be produced in XXXX XXXX. It is worth noting that PRA sent this hearsay letter was produced 55 days after i demanded full verification on this alleged account, and it took 67 days for the hearsay document to reach me. This information will be provided within the portal. Additionally, I have lodged a complaint with the Tennessee State Collection Board with the warning, and this information will also be shared. 

Portfolio Recovery Associates , LLC has gone even further with their unlawful practices by reporting on my personal credit reports without following 15 U.S. Code 1692g. I demand that PRA provide proof that they have complied with 15 U.S. Code 1681s2 ( 7 ) ( A ). They have failed to prove any claims on this alleged debt, and I have never entered into any agreement with this alleged debt. Nor will I do business with any company without my consent.

Furthermore, I demand that PRA takes all necessary steps to remove all inaccurate and damaging information from my credit reports, close all collection activity related to this alleged account, and close my file within their offices. Any further delay or noncompliance on their part will be considered an intentional disregard of the law and my rights as a consumer.

In the event that PRA fails to comply with these demands within 15 days, I will pursue legal action against them to seek redress for the damages caused to me and to hold them accountable for their repeated and intentional violations of the Fair Debt Collection Practices Act ( FDCPA ) and the law.

I demand that Portfolio Recovery Associates , LLC takes this matter seriously and takes immediate action to rectify the situation. Failure to respond or comply with these demands will be deemed an admission of guilt and will result in more severe consequences. I reserve the right to pursue all available legal remedies to enforce my demands and to seek damages as appropriate under 15 U.S. Code 1692k and through the courts.

To conclude, I want to emphasize that I will not cease my efforts until the truth comes to light regarding the questionable practices of your company. I will not pay a single penny, especially for something that is not owed.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-08-01
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. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-08-01
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: SYNCHRONY FINANCIAL (FL)

You are in direct violation of the Fair Credit Reporting Act ( XXXX, XXXX XXXX XXXX ) 15 USC 1681 ( a ) Clearly states that I have the right to privacy.

15 USC 1681 ( a ) section 602 Clearly states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B section a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-08-01
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: CITIBANK, N.A. (VA)

1 ) On XX/XX/2023 Citi Cards notified me that my card ending in # XXXX had suspicious charges, a series of $ XXXX purches of phonecards from XXXXXXXX 2 ) I disputed the charges and Citi opened an investigation 3 ) Months went by without notice until I happened to notice that my online balance suddenly increased from Citi reversing the dispute credit 4 ) I received a letter ( that i will attach below ) stating the vendor said the charge was legitimate ; the vendor cited that they had my address ( which was correct ) and a phone number ; the phone number is not tied registered to me- I had no knowledge of this vendor, this phone number, and I have never purchased phone cards 5 ) XXXX said I had not disputed with them in their letter 6 ) I call XXXX early in XXXX, and they would not speak to me because I could not validate the information related to the phone number that the cards were charged too- I CAN'T validate that information because it isn't my account, asked to speak to someone in a supervisory position and XXXX hung up one me 7 ) I called Citi on XXXX to re-open the dispute ; a representative at an off-shore call center promised me it would be re-opened and I would not have to pay these charges 8 ) on XXXX I got a bill reminder ; I called into Citi and they said the dispute had not been reopened. 
9 ) I did not order these cards ; the cards were not delivered to my address and XXXX is hiding who ordered these cards ; Citi 's off-call dispute center seems to be disconnected from US systems 10 ) I am willing to file charges with the FBI and local law enforcement and testify under oath these are not my charges 11 ) I have also filed an FTC complaint against XXXXXXXX the report number isXXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

I went in to XXXX to purchase a XXXX time use vanilla visa gift card on XX/XX/2023. Upon paying for the gift card and opening it, there were multiple numbers scratched off the card including the security code on the back. The magnetic stripe was also XXXX. I paid for a {$420.00} card as well as a {$5.00} fee to load it. Upon informing the store they told me they can not do anything and I am out {$420.00}. I have called vanilla visa aka incomm who will not help me. I have contacted XXXX corporate office as well as the local store where it was purchased. They will not refund me nor will they exchange it for a working card. It seems as if an employee tampered with the package and waited for it to be loaded to have the numbers to use for themselves. They employee who sold it to me explained he has never seen anything like that before and the card was useless even though I spent {$420.00} and that XXXX has stolen my money or the person who tampered with it has the funds now
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Equifax is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX XXXX XXXX, which should be correctly stated as XXXX XXXX XXXX XXXX XXXX XXXX The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Equifax is a breach of my federal consumer rights. Moreover, Equifax has not been granted any written consent from me to report these inaccurate addresses on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Equifax has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that XXXX remove the incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX from my report without delay.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MN)

XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX XXXX XXXXXXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.