davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns. 
Additionally, I draw your attention to 15 USC 1666b ( a ), which explicitly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given this provision, I reiterate my demand for the deletion of the above-mentioned transactions from my consumer reports.
Consumer complaint received 2023-10-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (AZ)

The calls from XXXX XXXX XXXX have come regularly since XX/XX/2023. Each time they call I aske them to send me the XXXX XXXX and/or any documentation about the debt they said I owe. I've never received any information. On Tuesday, XX/XX/2023 I decided to call Reliant Capital Solution myself and see if I could obtain any information. The following things took place : XXXX. ) I verified who I was with my PII. ( XXXX XXXX XXXX ) XXXX. ) Once I that was completed the gentleman asked why I was calling. I let he know I wanted more information and documentation about my debt. 
XXXX. ) He then asked me did I see the debt on XXXX XXXX. I said yes. He told me that they are not always accurate with their information. 
XXXX. ) He then said well I pull up the credit bureau reports so we can verify the debt. 
XXXX. ) He then asked me for my credit card information, so they can charge me {$1.00} to get the reports. 
XXXX. ) I asked him why do you need my credit card information. He told me this way we can verify your debt and try to save you some money. 
XXXX. ) I then told asked him, if XXXX XXXX XXXX has bought my debt why can't you tell me what I owe? He can't going on about how he was trying to save me money and never provided any information. 

I felt like he was trying to get my Credit Card information to charge my card for the whole debt without my consent.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XX/XX/XXXX
Consumer complaint received 2023-10-11
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. (NJ)

I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-12
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. (PA)

The credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both XXXX and XXXX are enabling in my credit report.
Consumer complaint received 2023-10-11
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. (CA)

On XX/XX/XXXX, my card was fraudulently charged {$580.00} and was immediately notified by Citibank. I called and canceled the card and raised a dispute that this is a fraudulent charge. 

The bank closed the case and made me liable. They then took the money out of my debit card which is unacceptable. 

I have tried calling many times to dispute this decision and get the money back asap but it seems next to impossible. 

Its taken 1 month + to get this resolved.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

I opened a US bank account with a checking promotion to receive {$500.00}. There were certain criteria, like setting up online banking, & qualifying deposits, plus account cant be negative balance for transfer to take place. Ive met all of these requirements, but have been overdrawn a few times. I wasnt aware that being overdrawn would void the promotion, and when opening my account I asked this question. I was told rest assured, that once the account is no longer in a negative balance, the promotion can then be applied. 

I called to check on this status XX/XX/XXXX, & was told a ticket was submitted to resolve this. I called back today, XX/XX/XXXX, & was told that I wasnt able to receive the promotion due to being overdrawn on XX/XX/XXXX. 


The terms on this promotion are not clear, & no where does it state that an overdrawn balance will void the offer, just the following : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. There have been many days where my account has a positive balance, after meeting the requirements of this promotion, and should not be penalized for this. 

I would also like to share that several family members and friends of mine whove opened an account with US bank for a promotion, have also been denied. Including my grandpas, and members of my church. All have filed formal complaints here, & theyre always denied.

US bank should not be allowed to openly advertise these promotions, & find any loophole they can, legal or not, to deny their customers this bonus. If you cant resolve this and apply it to my account, I sincerely hope you fine this bank and donate that money to a charity or organization that desperately needs it.

We the tax payers have bailed out the banks numerous times, & for them to continue to treat us this way is beyond immoral and sickening.

Thank you for any help you can provide, & not letting this happen to others.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My husband and I have had the Costco Citibank Visa for over 14 years. 
I usually will setup payments online. 
XX/XX/2023, I setup an online payment for our Costco Visa. 
Approximately 5-7 days later, I was notified by a Citibank email that the scheduled payment for our Citi accounts was returned unpaid by our bank, XXXX XXXX . 
I immediately contacted our bank and inquired why. The XXXX XXXX representative did not see anything and suggested I do it again. 

XX/XX/XXXX, I again setup an online payment. Again, I received another email ( by Citibank ) that my scheduled payment was returned unpaid by our bank. 

XX/XX/XXXX, I call Citibank and scheduled by telephone payment in full to our accounts. 

XX/XX/XXXX, monies were taken from our checking account and our Citibanks accounts were paid in full before the due date. 

XX/XX/XXXX & XXXX, I again setup an online payment for our Costco Visa. 

XX/XX/XXXX, I was again notified by email ( by Citibank ) that the scheduled payment was returned unpaid. 

XX/XX/XXXX, I called Citibank and scheduled by telephone payment in full to both of our accounts. 
I contacted XXXX XXXX again, they explained they had made some changes and they found the possible reason the scheduled payments were being refused. 

XX/XX/XXXX, I received in my email that I would be receiving {$640.00} reward certificate. 

In the meantime our accounts had been closed with no email notification, apparently those notification was being sent in the mail. 

XX/XX/XXXX, I scheduled an online payment. XXXX XXXX had made the fix on their end and and Citibank receive their payment in full. 

XXXX XXXX I have called Citibank, about the rewards and customer service submitted a request. I received a denial letter because my account history " showed one or more late or returned '' payments in the past six month ''. 
None of my payments were late. The schedule payments were out of my control and I worked with XXXX XXXX to resolve it. 

XXXX XXXX I sent a letter of appeal. I outlined everything, as I did above. I just wanted the rewards. 

XX/XX/XXXX, I received a letter that they will not send rewards on a closed account. 

We can get another credit card, we just want the rewards that we earned by using their credit card. 
Ironically we have been receiving their credit card apllications in the mail. 

I feel they are shutting us out simply to not issue the rewards.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IN)

I received a credit store card something went wrong and issued me a card. I didn't want a store credit card for Amazon. I don't even have prime, my partner has all that so I don't know what this is. How was this even done from my information and phone number, email and social security number. I would like this to be removed and that card also removed as I didn't authorize or want. Please advise .... 

The date XX/XX/2023 Synchrony Bank
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

I have a statement to prove the following information and I would like the opportunity to send this proof to you. This company fortiva retail credit is a company. I have a credit limit of {$3000.00} for some furniture I purchased for my daughter. I paid this credit card off completely with a XXXX balance plus an additional {$100.00} overage. Fortuna then sent a interest charge fee of {$49.00} to my credit card statement stating they have returned my XXXX and please pay this {$49.00} plus and additional fee for a late payment on the XXXX. I contacted fortiva and explained to them that I have not received XXXX check, they still had that money and if there was an annual fee that they suddenly decided to have which I was never given Any knowledge of they could take it out of that XXXX and XXXX well they never did and they have continued to charge me. bill is now {$120.00}. and they've never sent me back my original XXXX. I have a bill statement in front of me that shows what I'm saying and I would love to know how they can charge me a late fee on money they owe me
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I received a special rate balance transfer offer and took advantage of the offer by transferring {$12000.00} for a fee of {$600.00} with 0 % interest until XX/XX/XXXX. 

Two weeks later, the autopay function deducted the entire amount back out. I called to explain the balance transfer has always been separate from my regular monthly transactions and should not be included in the autopay amount. They told me the payment had been processed, and they could do nothing. I asked for the {$600.00} to be refunded since I did not receive the program benefits and was told it was too late. 

Not only is it illogical for the billing system to include an entire balance transfer in the statement balance autopay. I have done balance transfers numerous times, and the transfer amount is separate from my normal transactions- especially since I have until XX/XX/XXXX to pay it. 

I have been a customer since XXXX and was told there was nothing they could do - I am out the 0 % financing and the {$600.00} fee.
Consumer complaint received 2023-10-12
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. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

I paid my down payment, and they got my loan approved through Start Auto Finance. Then they repossessed my car illegally. They are trying to get me to pay an additional {$4000.00}, and now the finance company is recalling the loan even after I've made my first car payment. The Dealership and Start Auto Finance are working together because when I called the branch manager, XXXX, she said I need to show proof I paid the full down payment, which I did according to the contract. He made a bill of sale with no dates and added fraudulent dates. Now they have my car and are trying to keep my down payment. I'm also filing complaints with DHSMV and OFR. Additionally, they are trying to charge me repo fees illegally, and they were not even allowed to repo my car. The finance company claimed they paid them, but when I spoke to XXXX, she said they have not paid them. I'm not sure how that is even legal when they sent me my welcome letter, and I paid my initial car payment. Also, they are trying to charge me to get my personal belongings and keep items out of my car. The repo guy, XXXX XXXX, stole items out of my car, and all three of these companies are working together illegally. His LLC is inactive when I looked on XXXX as well. I've filed every complaint I can as these companies are committing bank fraud. they are keeping my down payment, the car, not returning my plates or personal belongings. They are trying to resale my car on XXXX and keeping all my money. I'm not in any default of any contracts that they are claiming. Start Auto Finance is working completely illegally with XXXX XXXX XXXX XXXX and they both need to be investigated because I know I'm not the only victim. there are tons of complaints on both companies. 
I upheld all my stipulations, but XXXX XXXX XXXX XXXX intentionally stalled the process. They repossessed my car on XX/XX/24, even though I submitted all documents on XX/XX/24. They deliberately gave me the runaround, timing it on a Friday evening to hinder communication. Finally, I reached XXXX on Monday, but she made me wait until Tuesday for my contracts. She demanded proof of full down payment, which I had already provided as per our contract. On our interview call, I clearly stated that the down payment was made. It's evident that XXXX and XXXX XXXX XXXX XXXX are colluding to defraud me. I submitted a copy of my receipt that I paid to start auto and it clearly states no side loans or balances! This is bank fraud!
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (DC)

PayPal pay in four offered a no impact to credit score application. I completed it and my credit was run without my permission. This is also unfair due to the no impact to score language. I called synchrony bank and PayPal and they both denied the credit pull yet its on my credit report. I was told I had an older PayPal smart connect account which is also not true. This all concerns me. I need the hard pull removed and they cant even find the application. One rep thinks its a PayPal credit application. I even received a letter in the mail and they still deny it,
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and TransUnion credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with Transunion, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXX XXXX credit card account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am XXXX XXXX XXXX, My right to Privacy 15 USC 1681 sec 602 has been violated by Portfolio Recovery associates and XXXX XXXX 15 USC 1681 sec 604 A 2 Permissible Purposes, Portfolio Recovery associates used my consumer report that XXXX furnished without my written instructions, to use the XXXX Postal service to mail the validation of debt notice to a undeliverable Address 18 USC 241-244 under color of Law and willfully deprive me a right to dispute. 18 USC sec 1341, 1342, 1343 wire fraud fictitious Address, Mail fraud, a person commits Mail fraud when he engages in a scheme to defraud, with intent to defraud and uses the XXXX mail in furtherance of that scheme. I still as XX/XX/year> have not received the validation of debt notice. Also by using XXXX mail sent to a undeliverable address exposes information to a third party 15 USC 1692 b, A Debt collector may not communicate in connection of a debt in the absence of a court order or prior consumer consent given directly to the debt Collector .This was Done Deliberately and Intentionally.