davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

Here 's the complaint I filed with the OCC about M & T Bank : I opened a checking account with M & T Bank on XXXX XXXX, XXXX. The check was for {$2000.00} and when it cleared I withdrew {$1500.00}. I had done some painting for a friend and was paid in a check so I used that check to open the account. On XXXX XXXX, XXXX, I deposited another check from the same party for {$620.00}. I did not withdraw any cash. On XXXX XXXX, XXXX, my account was locked due to fraud detection. I was on vacation in Colorado at the time. It was unusual that they did not contact me to let me know, I found out when I went to check my balance online and was not able to log in. I called the fraud hotline and spoke to a representative for XXXX minutes and she told me there was nothing that she could do and that I should contact the branch that I opened the account with and maybe they could help. None of that made sense to me but I did call the branch and spoke with the woman who opened my account, she said she would call the back office and speak to them. She was able to get my account unlocked. The next day ( XX/XX/XXXX ), my account was locked again. I called the branch and spoke with the same woman and asked what was going on. She looked at my account and said it was locked due to suspicious checks. She said the back office wanted to know why I withdrew {$1500.00} immediately. I explained that it was XXXX time and I also had to pay my helper for the paint job. At this point my account is still locked, I have not had access to my money since XX/XX/XXXX, and the only communications I have had with the bank have been the ones that I've initiated and those have only been with employees at the local branch. No one from the main office or fraud department has reached out to clear this up. There is nothing that should indicate fraud from these checks and there is no reason that my account has been locked for this long without anyone calling or emailing me to figure it out. On XXXX XXXX, XXXX I went in person to my local branch and told them I wanted to close my account because I was beyond the point of reconciliation. To me, this is something that should have never happened in the first place, but beyond that should not take this long to resolve. How is depositing a check and withdrawing cash enough " evidence '' of fraud to justify suspending my account for this long, all without ANY communication from M & T Bank? Is there no bar here? No regulation, rule, or policy lays out what constitutes fraud? Is what M & T Bank doing to me legal?
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dakota Financial, LLC (TX)

XXXX XXXX XXXX XXXX and dakota financial llc run my credit without my approval, i only authorized XXXX XXXX XXXX to run my credit.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

On XX/XX/2023 I purchased and paid for two items from XXXX. One for {$5.00}, the other for {$6.00}. On XX/XX/XXXX XXXX billed my Citibank CC {$120.00} for an item that I did not order. On XX/XX/XXXX XXXX billed this same card {$110.00} for another item I did not order. After calling and writing Citibank about this scam and fraud, they gave me conditional credit for both amounts. On XX/XX/XXXX Citibank said it was permanent. Citibank then later reversed this permanent decision claiming they received proof of delivery from the merchant. I tried pointing out to them that the proof they received was only for the first two lower priced items and nothing else was ever ordered or delivered. It fell on deaf ears. 
I was a corporate client of Citi for over 20 years and this personal account for about an additional 13 years. I explained to them that I would pay everything I owed them on the final bill BUT those fraudulent bills that are in dispute. The only reply from them was, we will keep billing you with interest and fees. The have also contacted the credit reporting agencies and my credit has dropped from XXXX to about XXXX. The original amount they claim I owe them was {$240.00}. With fees and interest, it is now {$370.00}. 
I would sincerely appreciate all help and consideration that this agency can do. I feel I am XXXX against XXXX of the banking world.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I received a XXXX XXXX  from Citi about a promotion they are running. The terms were roughly as following : - open an account by XX/XX/year>, and make 2 qualifying enhanced deposits and you will get a cash bonus. 

I signed up and was approved. I also received an email confirming as such from Citi. 

I called in today to confirm that I am enrolled in this offer, but to my dismay, the representative both via chat and over the phone told me that there is no promotion offer attached to this account. 

I asked them to fix this, but they refused to rectify the situation. Bait-and-switch, this is a deceptive practice ; in other words, a scam. I would like to report this.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (MA)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.
Consumer complaint received 2024-10-08
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple attempts to dispute and rectify the situation, these fraudulent accounts persist, causing unnecessary stress and harm to my creditworthiness. The other bureaus have acknowledged the fraudulent nature of these accounts and promptly removed them from their reporting. I am confused as to how your agency has verified these accounts while XXXX and XXXX have removed them. Please delete this inaccurate, erroneous, incomplete, or unverifiable information from my file. XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

I am not liable for this debt with XXXXXXXX XXXX  for {$640.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-01-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC (AR)

I made a previous complaint about this company, and they are continuing to engage in XXXX making it impossible for me to negotiate my settlement. Im represented by national debt relief and they emailed me that I needed to give them a power of attorney, and they will not tell me any instructions on how to do that or supply me with a form for such and our threatening to proceed with their harassing collections if I do not provide a power of attorney, which I do not know how to provide and dont have. further, I have emailed them numerous times asking that they advise me on this an email and they will not do it and they also lied and said someone called me yesterday and would call me at the same time today and that did not happen. They have not given me a number to look out for and nobody has left any voicemail saying the representing Balance credit.
Consumer complaint received 2018-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (AL)

I have sent several disputes to resolve issue. The car was a repo the company never sent a bill of sale nor notified me when the car was sold.XXXX  XXXX charged interest for the remaining of the loan after the car was sold which is illegal.
Consumer complaint received 2024-10-08
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. (NY)

I am writing to issue a final demand regarding the continued presence of unauthorized and invalid negative items on my credit report. Despite multiple disputes and clear evidence of discrepancies, these negative accounts remain improperly reported.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Consumer complaint received 2024-08-24
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. (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  ( XXXX XXXX on report ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (VA)

On XX/XX/2020 I initiated two transfers in order to draw my account to {$0.00} in advance of closure. Transfers were declined and now I find that I am unable to close my checking and saving account.
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

Hello I am disturbed by the fact that JCPenny did not tell me that the interest rate was over 31 %. This is an out right robbery and, although I tried to absorb the amount onto another credit card with a no interest or lower interest rate I was not allowed to do so. Finding out today XX/XX/XXXX about this is very upsetting to me.The person I spoke with stated it was according to the FTC. I did not agree. I hope this can assist me in having this company lower the interest rate. Thank you
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2024-08-24
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. (FL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-10-08
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. (CT)

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. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-24
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. (MI)

I have no other desideratums of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY petitions versus me of which there is not required inclusion or is information not exactly and completely as I have above named is my non-disputed, factually valid correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 

am writing to DISPUTE the following data that your company supplied to one or more Credit Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, satisfactory adhering of Federal and state reporting laws and or competence in your compliant adhering to the mandatorily utilized credit reporting industrys principals namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal abstracts that could or should else better ensure integrity of orders made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably subservient reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are suitable and more than to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Consumer complaint received 2024-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report