davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XXXX XXXX my car was illegally reposed by State Employee 's credit Union. I took them to court on XX/XX/year> in which I made my case I tried to show them them paper work in which I had proof I made my payments the judge wouldn't even look at them. So I appealed the case and all of a sudden the right payments was placed on the ledger I am providing for you today. I have never been made whole by the bank or anything. The bank is still to this day reporting the wrong information to all three credit agencies. I have even reported this to the agencies and they still haven't removed this item from my report.
Consumer complaint received 2024-09-05
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kubota North America Corporation (AL)

I am writing to formally dispute the reporting of late payments associated with my account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate and negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report. I am requesting that you remove these late payment records entirely from my credit file rather than verifying them. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (IN)

I was not notified that my debt had been sold to the United collections Bureau. They put a levy on my bank account and emptied it. When I called they told me oh well and hung on me twice. XXXX $ was taken. I have no money. The debt company made no attempts to contact me
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-08
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. (FL)

XX/XX/year> I went to auto-zone with my wife to purchase parts for an automobile. In the parking lot was a XXXX truck with a bunch of signs about XXXX XXXX steaks for {$40.00}. She wanted to see what the deal was. This company XXXX XXXX was having a meat sale in the XXXX parking lot and the salesman spoke to my wife and told her all the ribeyes were sold out and he said he had a better deal and talked her into buying a box of meat valued at {$1300.00} for {$200.00}. The company took my credit card and used a device to scan my credit card and said I would receive a text message receipt from XXXX. 15 minutes after leaving I received a text message receipt for {$470.00} and my wife wanted to go back immediately and return the meat for a refund. The salesman said if I read the bottom of the text message receipt it shows ALL SALES ARE FINAL he said he would need to speak to his manager whos not in XXXX Florida but is located in XXXX, Alabama. I gave him the box of meat back and demanded a refund for being charged {$270.00} more than the {$200.00} he said it would be. He said he would do something that would be getting him into trouble with his boss and keep the box of meat and refund me the {$470.00}. He said the refund would take 5-7 days and I would receive a receipt of the refund. I never received the refund and I contacted the company over 20 times and they never answered the phone and never returned any of my phone calls. 5 business days after not receiving a refund, I contacted Citi Credit on XX/XX/year> and opened a dispute and Citi refunded my money and opened an investigation and the company responded to them saying I didnt follow protocol for the refund. Said I needed to mail the meat back to Alabama and I couldnt return it to the salesman in the parking lot in XXXX XXXX XXXX, FL. The merchants bank refused the refund so Citi Bank Credit reversed the chargeback and charged me because the other bank wouldnt refund them. They said they understand and read over XXXX negative XXXX reviews I submitted to them with similar stories to mine. Bait and switch, overcharged prices from what was told, refused refunds and said all sales are final. The owner of the company responded to my credit company stating they do accept returns but I didnt follow there exact protocol. Many customers left reviews on XXXX stating they shipped meat boxes back to them in Alabama within a few days of the purchase and they company refused to refund them. My issue is Citi Bank for not refunding me because they stated the other bank was refusing to refund them and my other issue is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I am writing in regard to an issue I have encountered with flex pay plans on Citi credit cards. If you attempt to set up a flex pay plan for a transaction posting near or after your statement closing date, the system automatically adds a minimum finance charge of {$0.00} to your account. As Citi flex pay plans include the finance charge in the payment amount, I can see no point to this additional charge. It strikes me as a glitch. 

Each time I have encountered this issue, I call customer service. They can provide no plausible explanation and eventually agree to credit the fifty cent minimum finance charge back to the account. 

While on a personal level this is a paltry sum, it struck me that multiplied by millions of instances over years, the amount becomes less trifling.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CO)

First of all I have never owned a Comenity Credit card nor have I shopped at XXXX XXXX  I recieved the bill for {$190.00} in XXXX of XXXX. I disputed the charge. I do not recall getting anything back from Comenity.Then on XX/XX/XXXX I got a letter that the account had gone to collections from XXXX XXXX XXXX. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. I think XXXX mentioned if I had shopped at XXXX which i have. XXXX changed their credit card company either from Comenity or to Comenity. I think that during the change my information was compromised Again I have nevrer owned a Comenity card
Consumer complaint received 2024-10-07
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. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-08
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: Kikoff Inc. (MA)

I am writing to formally dispute the accuracy of the recent report regarding my account with Kikoffs. Specifically, I am concerned with the assertion that my payment was late. This notice is issued in accordance with my rights under applicable laws and regulations, including the principles outlined in Kikoff v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which emphasize the importance of accurate record-keeping and dispute resolution.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chex Systems XXXX XXXX XXXX XXXX MN XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I was made aware of a promotional financing offer that enticed and induced me into making large purchases that have now resulted in a maxed-out credit card which has caused my credit score to drop over 100 points, my debt to income to become excessive making it now impossible to pay off or refinance this card with another loan. I believe this was unfair, deceptive and abusive in nature, as the promotion clearly indicates that " any purchases made until XX/XX/XXXX, were outside of Macys and at-least {$540.00}, would be given a 12-month 0 % interest period. I spent {$16000.00} within this timeframe to take advantage of the offer. The card was previously paid-off. After a month, I noticed I was being charged interest at a rate of 31.99 % and called and was told " sorry you didn't click the activate offer button ''. I then spoke to an employee who informed me that he would escalate my concern on XX/XX/XXXX and that the request was approved, and I just needed to wait for the back-end team to make the adjustment, and credit back all of the interest within 2-3 billing cycles. In XXXX nothing happened, I called and was told the employee was incorrect in XXXX and that the request was declined because I didn't click the " activate offer button '', they then told me to write a letter, indicating my purchase amounts and dates and a color copy of the promotional terms email. I did this via Certified mail and they never replied to me. I called back and was told again " you didn't click the activate offer button ''. I met every other term of the offer and am being denied due to a technicality. This was unclear and confusing and unfair to me. I want this to be resolved. They also are telling me that " I was not targeted for this offer '' which is disparate treatment and also illegal. Why would other cardholders, with the same account type, be solicited advantageous terms whereas another group of people, who otherwise also credit-qualify, are not also afforded the same advantageous terms during the same time-period? Such an argument raises concerns of red-lining and giving unfair and unequal treatment to people, that is based on what? I was asked to mail the following information, which I did as requested and never got a response or escalated further by the bank either. They also now tell me, it is not possible for me to speak to anyone else higher up in the bank which is also illegal and unfair. 

Macys Amex address for letter to escalate complaint : ATTN : Macys American Express Amex Offer XXXX XXXX XXXX XXXX XXXX SD XXXX {$2500.00} XXXX XXXX XXXXXX/XX/XXXX {$820.00} XXXX XXXX XXXXXX/XX/XXXX {$4100.00} XXXX XXXX XXXXXX/XX/XXXX {$510.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$770.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXXXX/XX/XXXX {$640.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX {$16000.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-11
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. (SC)

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 2024-10-07
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. (NC)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2024 I noticed that my Huntington Bank account was not allowing transfers from Checking to Savings so I called their customer service at XXXX and spoke with a rep. I was told that the account was froze due to 3 pieces of mail being returned to them. I advised I had moved and updated my address on the banking website several days prior. 

I was informed the back office would need to correct this and it would be taken care of by the following day. As of today, XX/XX/2024 the account hold has still not been lifted. After tirelessly repeated calls to XXXX to get the issue resolved, they have still failed to fix the issue. 

As I'm submitting this complaint I'm on the phone with a rep now, who is trying to fix the issue, however I'm submitting this dispute to document the issue.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (TX)

I am contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2024-09-07
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: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/year> I had an alert for a hard inquiry which impacted my score. This is an unauthorized inquiry, which I never consented to.. I am formally disputing the inclusion of the unauthorized hard inquiry that have appeared on my credit reports. The hard inquiry was not authorized by me, and I have no knowledge. The presence of these fraudulent entry has caused significant harm to my score. There is no evidence to suggest otherwise in relation to the following account. Additionally, the following hard inquiry was unauthorized and should be removed immediately.