davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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.

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I looked at my report on the XXXX of XX/XX/year> and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below [ XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX, XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX  XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate And they have not responded to me. 

Here is my tracking number : XXXX Can you look into this matter
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can not Believe all 3 credit reporting agencies have offshore base in XXXX. Pretty much all American people credit information is in hands of world country. Wow... Great Job CFPB and FTC.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

I paid {$41.00} for a minimum payment on XX/XX/XXXX and {$47000.00} for tthe whole posted balance on XX/XX/XXXX for XX/XX/XXXX XXXX, which has {$400.00} of a new balance due XX/XX/XXXX. But I was charged {$8.00} for " interest charged to standard purchase '' on XX/XX/XXXX XXXX ( see my XX/XX/XXXX and XX/XX/XXXX Statements ). 
I asked them how to calculate their interest charged at {$8.00} for one day delay with the remaining balance at {$360.00} and standard puchase interest rate at 20.24 %. They rejected. I claimed it was a fraud. I attempted to file a complaint in their internal web site online, but XXXX XXXX XXXX does not work though listed there. Their receptionist refused to help.
Consumer complaint received 2023-06-08
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: DISCOVER BANK (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME DISCOVER BANK ACCOUNT XXXX XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone XXXX XXXX XXXX XXXX  CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

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 und the following circumstances and no other : ( 2 ) In accordance 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I currently bank with 5/3rd bank. A collection agency sent a letter to my bank to verify if the account was verified as mine. Instead of the bank contacting the collection agency or mailing the collection agency, the bank froze all of my accounts. My checking and saving account was frozen for 2 months. This has caused a financial hardship in my house. I contacted the local branch but no one answered the call. I called the XXXX number to get understanding of why the account was frozen instead of just verified. The call center consistently told me to contact a judge or collection agency instead. I signed a {$300.00} agreement with the collection agency for them to send a release to my bank 5/3rd and open my account. Instead of giving the collection agency {$300.00}, the bank gave {$380.00}. I asked the bank why and they can not explain why the amount that was given is more then what was agreed upon. Also I contacted the collection agency and they only received {$300.00}. I have called numerous times asking where did the other {$80.00} go? No one from the bank can tell me. I have just had a recent transaction of {$300.00} from my account and again no one from 5/3rd can tell me why it has been taken. The collection agency has been paid off and now the 5/3rd bank has given away more money to the collection agency which they are paid off. I called the collection agency asking about the {$300.00} charge again and they have not received any money from my bank. I called the 5/3rd legal department and they tell me to call back in the morning because they close at XXXX but I called at XXXX so how are they closed? this has been a complete nightmare having 5/3rd as a bank and this is seriously ridiculous how no one can tell me where my money is going and why they can't help me. I need help asap because now my account is in the negative with no money to pay for bills. I also have every call recorded and will provide if needed for proof of lack of help and disrespect from certain customer service reps.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMP Acct XXXX XXXX XXXX XXXX XXXX I had an Emergency Room visit with XXXX XXXX XXXX XXXX for an injury. Being a medically retired XXXX XXXX, I have now and did then have both XXXX and XXXX. However, the hospital did, and later admitted to, only billing XXXX, the supplemental insurance company, when they should have first billed XXXX. This error resulted in XXXX denial of coverage, the creation of a debt, and hiring of the above named collections agency. When finally made aware of the issue, in XXXX, I was assured that the issue had been resolved by the healthcare provider, and that no debt is, not ever was never due. XXXX has assured me numerous times that I have never owed them anything, that my insurance covered the visit when eventually properly billed, and have apologized for the error. I have attempted to reach the collections agency, RMP Services, on numerous occasions, with no response, in an effort that have the collections accounts ( there are two originating from the same visit ) removed from my credit reports. The account number associated with the two bills is listed above.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX  Balance : {$330.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Every month I pay my Capital One credit card on the due date. However, because I do not pay by XXXX XXXX. CST, I am hit with a {$40.00} late fee. As a result I can not get out of this quick sand of debt. This company is too big to be this predatory. I understand that processing has to have certain timelines, but my other credit card specifically, XXXX XXXX, will automatically refund the late fee as long as the payment is received on the due date, so I know my solution is not an impossible one. I don't mean to sound entitled. I am well aware that I have the option of not using the card, and for a very long time I did not. However, I keep cards for emergencies and something came up where I had to use this card. I regret it, I regret it with every part of me. If I had the ability to pay it off I absolutely would because nothing about maintaining this card makes me feel good to have it in my wallet. If I knew how to go about starting a class action, I would. I hope this gets published so that somebody with that skill set sees it. I have discovered in this life I am usually not that special unusual, and I can not be the only person this is happening to. I would love to be able to pay all my obligations early, but like many people that's not always an option, and this is so discouraging. I paid {$70.00}, did not use the card only to see my balance go up because interest and fees for the month are {$81.00}, and now my monthly minimum payment has increased. So now I have to pay interest on the late fee, and because this has happened to me several months now I don't recall seeing a notice but I'm pretty sure my interest rate has increased or soon will.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a One Deposit Checking account with Citizens Bank on XX/XX/2022. Upon opening my account, I funded my account with {$500.00} from an external checking account and received a username and password for online access to my Citizens account. I tried logging on and got an error. I called customer service and they said the error is because my account is too new and to try again tomorrow. The next day, same error. I call customer service again and they say to try again tomorrow. The following day, still the same error. At this point, customer service is telling me theyre having system wide problems that should resolve in the coming days. At this point, I can tell theyre lying to me just so they can punt the problem to the next customer service representative. I ask to speak to the manager and get put on hold for 40 minutes to no end. The next day, I decide to just call to transfer the {$500.00} back to my external account and close the Citizens checking account. The customer representative tells me the only way to make such a transfer is either with an online account or in a branch. Still, my online account doesnt work due to the aforementioned error. I told them I dont have time in my schedule to travel to god-knows-where their branch is to make this transfer so they can finally close my account and end this fiasco. They tell me theres nothing they can do. So now my money is stuck with Citizens and they wont allow me to transfer it out. My online account doesnt work. And they wont transfer it over the phone.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (OH)

I live in Ohio and I was saving my money on my bank card through the company I work for. It was a Wisely bank card. I never used the money. I gave the card to my grandparents to hold for me so I could save and get my own apartment, Im living with my grandparents.The only time I used my card was for insurance on my car which was done by phone. I went to withdraw some money and It said I only had x amount left. I had saved almost XXXX XXXX on my card before my insurance. After looking at my account, I seen that I had numerous charges to a XXXX XXXX XXXX Arkansas XXXX I've never been to Arkansas. I seen numerous others having same problem. I contacted Wisely they said they see no fraudulent actions and I had to write a letter to send to Wisely bank in California to dispute their decision. My friend who works at same place using same card got ripped off from same XXXX XXXX got reimbursed but they will not reimburse me? Now Im locked out of my account and only have a few screen shots of some of the transactions. Which Im glad I have at least that, but they are saying it was only XXXX, amount, but thats almost a XXXX off. Can you help me? Most of the transactions are in XXXX and a few in XXXX, all to the XXXX in XXXX. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX on this day ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, two on this day.
Consumer complaint received 2023-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One credit card had an offer of 0 % for the first 9 months, but now Capital One refuses to honor the full 9 months. This offer was advertised publicly, in communication with me, and during the application process. My account was opened and my card was received on XX/XX/2023, thus the offer should be through XX/XX/2023, however I was only given 0 % interest until XXXX. After I notified Capital One of the discrepancy, a representative communicated to me that the date would be corrected if I sent them a copy of the emails that I received showing that 9 months was offered. I sent this documentation to the address they specified, and I recently learned that this was received by Capital One in XXXX. However, the issue was never corrected. I contacted Capital One again today, and they acknowledged the past communication and that the requested documentation had been provided, but refused to make the correction on the basis that a generated disclosure sent on XX/XX/XXXX also shows the XXXX expiry date. This is a plainly obvious error considering that these dates do not span 9 months. So first of all, Capital One 's own records confirm that there was a mismatch between the offer that I was given and the one that was actually applied. Secondly, I was previously already promised by a Capital One representative that the date WOULD be corrected from XXXX to XXXX, with the only condition being that I send proof of the email stating that the offer was for 9 months, which I have done. Despite this, Capital One still has not made the correction.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report I viewed my credit file on XX/XX/2023. Within the report i noticed that there were numerous addresses included in my file that are not my current or past address. I disputed the incorrect information and challenged each incorrect address. On XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I tried to deposit two checks from the US Treasurer for TSP withdrawals and at first my bank 5/3rd made the funds available. Then a few days later we noticed I did not have online access and our accounts were showing overdrawn by almost a millions dollars combined. Upon calling we were told the were returned for fraud and my account is being reviewed for closure. I verified checks by calling the TSP disbursement FBO. I provided a letter for payment confirmation from the TSP on the checks and my account is still under review.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX  account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX transunion and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions account.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.