davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Consumer complaint received 2023-03-03
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)

The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax received notice from on XX/XX//2023 that there is information on my consumer report that is a result of identity theft. Today 's date is XX/XX/2023, which means their company is currently two weeks notified. I have provided an identity theft report which identifies the items and appropriate proof of my identity. I have also provided a statement in my identity theft report that states that the information I have identified is not related to any transaction by me. Equifax is clearly violating federal regulations pursuant to 15 USC 1681n - willful non compliance. I will be filing a complaint with the Attorney General and seeking litigation if this issue is not resolved. I have attached the documents I have already provided on XX/XX//2023.
Consumer complaint received 2024-11-05
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)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus. 
I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received.

I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided. 

I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.
Consumer complaint received 2023-03-06
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: CBC Companies, Inc. (IL)

I have contacted this company for so many times, and I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

They charged XXXX $ fee every time account was even XXXX $ over for non sufficient funds and not only XXXX time did up to 5 times in row also if you couldnt get money to pay account to a positive balance charge every day XXXX $ such a rip off
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

My account has had double purchase and payment deductions on more than several occasions throughout my business savings and personal accounts along with overdraft fees. 
This company has been very cunning and tricky with the accounting summary. 
VERY
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the accuracy of certain items on my credit report, which remain unverified despite several attempts to resolve the issue. These items have been inaccurately reported, yet they continue to appear as " accurate '' without any valid proof from the vendors involved. I demand that these items be removed immediately, as required by federal law. A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ) Report Number XXXX for further review. 
Account Account 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  Under 12 CFR 1006.34 and 15 U.S. Code 1692 ( c ) , I am entitled to have any debt or credit obligation verified, including the requirement that the creditor provide sufficient documentation of my signature or other binding proof that I have entered into the alleged agreement. To date, neither the credit bureau nor the reporting vendors have provided this documentation, which is a violation of my rights.

Additionally, 15 U.S. Code 1681g gives me the right to access all the information being reported about me and to receive an explanation of the sources and details of this data. Despite multiple requests, I have not been provided with such documentation for the disputed items, which further supports my claim that these items are not valid.

The continued reporting of these unverified and incorrect items on my credit report has caused significant financial and emotional distress. These errors have negatively affected my credit score, harmed my ability to secure financial services, and caused unnecessary stress in my life. These items must be removed immediately to prevent further damage.

I am requesting the following actions : 1. The immediate removal of the unverified and inaccurate items from my credit report.

2. A written confirmation of the removal within 30 days of receipt of this letter.

3. A thorough review of your procedures to ensure future compliance with federal laws governing credit reporting.

Should you fail to take the necessary action, I am prepared to pursue further legal remedies, including enforcement through the CFPB, to protect my rights.

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I deposited my irs check in my account around XXXX in my Citibank account . The amount was about {$1200.00}. Due to my husband unemployment checks being direct deposit into my account. My account was froze. I visited the XXXX XXXX on XX/XX/XXXX to retrieve my money. When I got there the teller XXXX XXXX said she cant do anything from her end. I then spoke to the branch manager XXXX XXXX, who directed me to sit down with representative XXXX XXXX to see if I could get my money that I deposited by check into my account. We called a specialist on the phone from the fraud department named XXXX, she advised that I couldnt get the money that they were still investigating my account. Nothing was accomplished. I contacted Citibank almost everyday to get my money from the check I deposited and all I was being told was they are investigating my account. I would have to wait for a letter to be sent out and 60 days from the date on the letter I would receive a check in the mail. I received a letter dated XX/XX/XXXX. I contacted them in XX/XX/XXXX to see the status of the investigation. Then I was told the funds dont belong to me and that they would send the funds back to the Dept of Labor XXXX XXXX  Still havent received anything till this day. No check in the mail or money sent back to my husbands Dept labor account. Im not working and I really need my irs money back. I have been under a lot of stress and the situation was not handled with professionalism or care.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-03-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (WI)

I did a student loan refinance in XX/XX/XXXX. The terms were lower interest only payments to begin with a variable interest rate. I was charged an amount to pay. In XXXX of XXXX, I started paying extra and the servicer was applying the extra to the principal to reduce the balance I was being charged interest on. I was making progress. The new servicer, Universal Accounting Services took over in XX/XX/XXXX. The extra I paid was not consistently applied to the principal. When I called today, they said they choose to apply the extra wherever, which isn't the terms I agreed to with the lender. The rude woman named XXXX XXXX (? ) refused to listen, wouldn't look at the account payments, and refused to get me a supervisor. I called back and a nice person XXXX XXXX, explained that because of their accounting practices, if interest accrues, its paid first and whatever is left would then be applied to reduce the principal. XXXX told me they recently updated they system so that any time a change occurs, a payment is made, or a statement is generated the interest is added to the account. This means that I'll never have the full amount of money I'm paying extra deducted from the principal because they are now adding the interest onto my account multiple times during the month. The terms of my loan were such that the interest accrued and I paid that interest. It's not a fair practice to accrue the interest more frequently so when I pay extra it pays that instead. I'm trying to pay my loan down and these unfair practices are causing me not to make progress with my finances. The new servicer has over all been uncooperative. I've expressed clearly in my calls that I want to pay things down and their practices prevent that.
Consumer complaint received 2023-03-06
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)

XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2024-08-29
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-02
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: Total Card, Inc. (AZ)

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from Total Card , Inc., The XXXX XXXX XXXX XXXX Representatives in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (DC)

My complaint involves the company Albert ( an online savings tool ). The company purposefully deceives and makes it extremely difficult to deactivate your account. They also auto-enroll you once you link a savings account. The way they " get you '' is they give you a little bit of money and if you want to transfer the money you need to link an account. I was sick of getting their emails so I decided to link an account, do the transfer, and close the account. However, once you link an account they auto enroll you in their auto-save function which costs {$10.00} per month and automatically pulls out small amounts of money each day or week or month, which creates a perpetual balance above zero ( even when you transfer funds ). Albert doesn't let you close the account until the remaining funds are zero so you get caught in this loop. My concern is they are doing this to thousands of people who 1 ) do not know they are being charged and 2 ) can't navigate the loops to close their respective accounts.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (MO)

last reported XX/XX/year> by IC SYSTEM. 
Asked them to provide the original debt with my signature, they were unable to provide this, or the account number for this account. I asked them to provide what type of debt it was, and they were unable to provide that information to what the debt is.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. DISCOVER CARD I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2021-06-10
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. (TX)

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

After sending out multiple letters to the credit reporting agencies and then calling to follow up with my XXXX report sent to EQUIFAX with all the required documentation, EQUIFAX has continued to violate my rights as a consumer, per 15 USC 1681c - 2 ( a ) The CRA is REQUIRED to block any of the information on the report and or file of the consumer if the consumer identified the information as a result of an alleged identity theft within 4 business days after the receipt of the identity theft report and required accompanied documents. Every single time I have called to follow up the person tells me they can not remove the accounts even after stating my federally protected rights to them. They send me on a wild goose chase connecting me to supervisor after supervisor who says the same thing as the previous. EQUIAFAX has also violated 15 USC 1681b ( a ) ( 2 ) ALL CRA 's need your written instruction/permission to furnish anything on your consumer credit report. Which I have not given and they continue to argue against the law and report these fraudulent accounts on my credit report and file due to the CRA 's lack of professionalism and honesty in reporting. My rights are being violated and this needs to stop immediately!