davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (KY)

On XX/XX/XXXX I opened a checking account with Valley Bank in-branch in XXXX, Florida. During the account opening, I presented a promotional code for an advertised promotion including a {$400.00} signup bonus upon the completion of the outlined terms. I signed all applicable documents and received copies of the promotion, terms and opening documents. 

Outlined in the promotional terms was a requirement " To receive the {$400.00} reward, the account must receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within the first 90 days from the date of account opening ''. 

On XX/XX/XXXX I received my first direct deposit of my paycheck in the amount of {$4000.00} and my second on XX/XX/XXXX in the same amount of {$4000.00}. 

On XX/XX/XXXX I received a paper letter addressed from the branch manager, where I opened the account, detailing that the account would be closed on XX/XX/XXXX. The reason given was that my XXXX report was pulled and they would not continue a banking relationship. 

On XX/XX/XXXX, my account was closed and a check for my remaining balance was mailed to me. 

My account was approved and my XXXX pulled on the day of account opening in-branch, they pulled my report again around 44 days later and made a decision to close the account. 

I was informed by someone at Valley XXXX, that a decision was made sometime close to XX/XX/XXXX to deny all applications if the bonus code was applied but the applicant had more than XXXX XXXX inquiries in the last XXXX months. So, Valley pulled my XXXX the 2nd time and closed the account. This new requirement was applied retroactively to my account, which seems unfair and deceptive I met all of the terms outlined in what I signed. I am requesting that Valley Bank honor the original terms of the promotion and provide the {$400.00} bonus as promised.
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: CL Holdings LLC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Se

ction 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ). Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer cr
edit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that JEFFERSON CAPITAL SYST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting JEFFERSON CAPITAL SYST to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

My credit utilization had increased to 60 % because my son had XXXX and when he couldnt work, I was helping him and his family stay afloat. He unfortunately passed from XXXX. In the interim, I have been paying my cards down as much as possible to the point of bringing my utilization to the low 40 %. I have never been late on any payment and have never missed any payments. 
With that said, on XX/XX/XXXX I made a payment to Citi for {$4100.00}. On XX/XX/XXXX, I received an email that my credit limit was being decreased from {$4800.00} to {$500.00}. The reason I made that payment in a lump sump was to make sure it reflected on my credit so I can increase my credit score. By lowering the credit limit, it makes the utilization even worse now which will impact my credit score and utilization. 
This also happened to my other Citi card as well as my XXXX and others as well. 
Whats sad, is that the system is set up to keep consumers with the lowest possible credit score. The system is set up for consumers to fail. 
That is not fair considering that I always make my payments timely and have never missed any payments.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I think cash app incorporated is a real joke. However l do not believe that financial products are a joke so I've decided to do this to just see what these bozos think about me and using this relatively new consumer watchdog program we got going now.. Cash app has bottom line just stole my money. Any fractional shared, Bitcoin and money from all my accounts l want it back now. I want it sent by check or money order to me now. My social security no. Is XXXX my date of birth is XXXX. That's the bottom line send it to XXXX XXXX XXXX XXXX XXXX Tx XXXX. All of it and now plus IAM looking forward to joining in the current action lawsuit against these losers in the next couple of days.
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: World Acceptance Corporation (MS)

I am a victim of identity theft, and I didnt open this account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Complete Credit Solutions, Inc. (TX)

When the man called I answered an said who is this he said you know who the XXXX this is why the XXXX you keep disputing this I said what an he said that XXXX  {$440.00} XXXX going to keep it on your credit an you going to pay me XXXX. I told him if you call again I will report you because I dont know what you are talking about what ever it is its not mines. He said well you going to pay it anyway its on your credit XXXX XXXX lady. I hung up he called from Anonymous then he said I will keep calling XXXX. I blocked that number he did it again. XXXX : XXXX. It was off my XXXX XXXX an its back on there again.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc. (OH)

They would give me a credit line of just {$50.00}. They would take the {$50.00} out of my checking account on the 3rd of the month and I could re borrow it back if I want. They took the {$50.00} dollars out of my XXXX checking account. They are reporting to all 3 credit bureaus I owe {$580.00}. Plus harassing me with text messages and emails from a Representative named XXXX. Im sick OF IT. I explained to the company you would only give me a credit line of XXXX. Why are you lying to me and all 3 credit bureaus????
Consumer complaint received 2024-10-11
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. (WI)

There were suspicious charges of my account that I was not aware of, and I contacted the credit card issue when I saw them on my statement. I left them know that those charges were not mine and they started a dispute. About a month later, I realized that they had only disputed one of the charges, not all of them as I requested, so I had to request that those charges were fraudulent and dispute them again. I had not had any contact from the credit card company and noticed those charges had been placed back on my account without me knowing so, and without anything and writing from them. They promised that they would contact me with the resolution on the dispute and let me know what it happened. Otherwise the charges would go away if I didnt hear from them again. Good thing I checked because they stuck them back on my account with interest.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (TX)

VALIDATION AND CEASE AND DESIST World Finance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear World Finance Corporation : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Consumer complaint received 2024-10-10
Product: Credit card — Store credit 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. (UT)

I purchased a refrigerator from Home Depot in XXXX XXXX  on XXXX XX/XX/year> using the Home Depot credit card. The refrigerator was brand new, but did not work upon delivery. The Home Depot sent a repairman twice and scheduled a third repair visit over the next four weeks. I contacted the store assistant XXXX, XXXX, who arranged for a return and full refund. The refrigerator was picked up by a XXXX XXXX crew by XXXX XXXX. The first payment for the returned refrigerator was due on XXXX XXXX. I received a notice on XXXX XXXX that a payment was past due for the refrigerator that was returned the end of XXXX. I immediately went to the XXXX store and XXXX contacted the credit card company. He assured me that the issue was fully resolved and apologized for the inconvenience. I then received another past due notice by email on XXXX XXXX for the refrigerator that was returned the end of XXXX. I again went immediately to the store and a store associate contacted the credit card company. The Home Depot credit card company waived one late fee but insisted I pay a {$29.00} late fee for a purchase that was returned prior to the billing due date. They also would not assure me that no adverse credit reporting occurred as a result of their delayed crediting of the returned refrigerator.
Consumer complaint received 2024-10-10
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. (MA)

Citi XXXX AAdvantage XXXX XXXX XXXX XXXX : https : //www.citi.com/usc/LPACA/AA/AAdvantage/Exec/PS/index0.html Stated benefit for being a paying cardmember : " Earn a statement credit of up to {$10.00} per monthly billing statement on eligible XXXX  purchases, for a total of up to {$120.00} every 12 billing statements. '' $ XXXX  monthly XXXX credit has not posted for my XX/XX/year> or XX/XX/year> statements. Have called Citi Customer Service several times now, including today ( XXXX XX/XX/year> ). Latest bulletin read by employee is from XXXX, stating that Citi is aware of the issue and is working on resolution, with no timeline for resolution provided. 

Instead of manually crediting cardmembers, Citi is simply refusing to grant the publicly-stated benefits for cardmembers paying the {$590.00} annual fee.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (VA)

On XX/XX/2019 I traded in a vehicle and purchased a new vehicle at XXXX XXXX in XXXX VA. The payoff quote was {$24.00}, XXXX. I called the dealership constantly to see if they had paid the previous loan off and I kept getting the run around. I was told not to make the car payment on my old vehicle because the dealership would payoff the loan. The car payment on the turn in vehicle was XX/XX/XXXX. After numerous calls to XXXX XXXX I was told today XX/XX/XXXX that I owe them an additional {$170.00} for the title. They have not sent a check to the previous finance company for the trade in vehicle and said they can not do so until I pay them {$170.00}. They said that I signed a form saying I would pay the difference which they could not produce. I was told that the reason why it wasn't paid within the 10 days was because they were busy.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (GA)

I do not recognize the debt associated with WORLD ACCEPTANCE CORPORATION that appears on my XXXX XXXX report. I demand verification of the alleged debt from WORLD ACCEPTANCE CORPORATION. An agreement between my person XXXX XXXX XXXX XXXX and WORLD ACCEPTANCE CORPORATION bearing my wet ink signature. Upon verification of the alleged debt I will proceed with the administrative process in order to cancel/discharge the alleged debt of the alleged debt is verifiable. If the debt can not be verified with an agreement between XXXX XXXX XXXX XXXX bearing my wet ink signature I demand that XXXX delete the account for identity theft purposes because WORLD ACCEPTANCE CORPORATION accessed my consumer report without my authorization and attempted to force me to pay them an alleged debt under the threat of duress and coercion by reporting negative remarks to my consumer report. As well as TAX FRAUD because they report to account as charged off on my XXXX XXXX report, and if the debt is a false then they charged off a fake debt and this must be reported to the IRS technical support division.