davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX. 15 USC 1681 602 ( A ) states I have a right to privacy. 15 USC 1681 604 ( A ) 2 states a consumer reporting agency can not furnish an account without my written instructions. 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I signed up with Capital one for a Performance Savings account on XX/XX/XXXX using XXXX sign up promotion. The promotion required a deposit within 15 days of account opening and upon maintaining the balance with the bank continuously for 90 days, the bank would honour its sign up bonus of {$400.00} as per the terms for a deposit of {$50000.00}. 

According to the terms, I have deposited {$50000.00} on XX/XX/XXXX. Even though money was deposited on XX/XX/XXXX, the bank is stating that the 90 day window started from XXXX XX/XX/XXXX. I have consistently maintained that balance with the bank for more than 90 days. When I contacted the bank on XXXX XX/XX/XXXX inquiring them about the sign up bonus, the associate verified the account details, promotion and confirmed over phone that the sign up bonus would be credited on XXXX XX/XX/XXXX. 

However, today as of XXXX XX/XX/XXXX, I still don't have the bonus credited to my account. It seems the entire promotion is outright shady, unethical and misleading to get deposits locked up for a period and not honouring their commitment for sign up bonus from the bank. The bank is giving me a runaround without depositing my sign up bonus when I have provided all the evidence of meeting the criteria. 

I request to please get my sign up bonus honoured and resolve the issue. 

Thanks and Regards, XXXX
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried contacting Experian several times about errors on my credit report and they failed to investigate and remove them. They continue to report and illegally verify erroneous information even after notice and confirmation of the information being wrong. They have violated my right to an investigation which violates the FCRA. I have waited now 70 days and they still have not fixed the problem.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

MRP BPO is a collection agency for a XXXX  Internet account. I have resolved this matter before as to which the debt is connected to a fraudulent apartment that was at XXXX XXXX XXXX XXXX XXXX XXXX, TX. They bought this debt and now contacting me for collection. I want this debt to be removed and to which my information has been compromised due to the XXXX data breach. I have notified the XXXX, TX police department report no XXXX. I have notified them however they will not respond
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to inform Data x reporting personal information I did not authorize our did not give consent to collect or give any permission to give to anyone or business would like all information to be deleted. under 15 U.s.c. 1681s-2 ba ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (IL)

According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of Illinois. I preface this to say the company Support Collectors , Inc, has been illegally reporting an alleged debt on my credit profile without an Illinois Collection Agency License. The amount of the alleged debt is XXXX XXXX I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was obtaining my free annual credit report I had obtained 2 of them and I was to receive the XXXX credit report when it sent me to some page that had nothing to do with my credit report. I went all the way back and tried again. Same thing then it directed me to your alls page to file a complaint. All I want is my annual credit report that is free. I only get one a year. Im trying to clean my credit report up. Ive seen things on the other two reports that is wrong. I just want you the report sent to my email XXXX will you please help me
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

On the XX/XX/2024, I sent money and it was cancelled by moneyGram after I have deposit the money into the moneyGram account and they provide a reference number. on the same XX/XX/2024, I also sent in the mobile wallet and the person didn't able to get the money.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX XXXX ) and innocently lost {$190000.00} USD of my hard-earned life-savings. It started in XX/XX/2022 when a woman claimed to misdial a phone number asking about a client. We started talking to each about personal life and over the course of a few months she recommended cryptocurrency trading for making money through Crypto.com and XXXX. I was intrigued and unknowingly decided to put money into the XXXX  platform thinking it was a legitimate trading company. XXXX XXXX cleverly orchestrated a prevalent scheme of deception to lead me to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud me who is inexperienced and nave in the cryptocurrency market, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by XXXX XXXX. Due to personal circumstances, I was particularly vulnerable during the victimization period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. To be clear, people who have been scammed such as myself, are not individuals who have made poor investment decisions. They are people who have been tricked, lied to, deceived and emotionally manipulated.
Consumer complaint received 2023-05-16
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. (TX)

Greetings, I am writing to request the removal of inaccurate and unfair information regarding child support from my credit report. As you may be aware, child support obligations are governed by family law and should not be included in credit reports. Furthermore, recent events and a multitude of laws support the notion that child support information should not be used to assess creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer information, including credit reporting. According to the FCRA, credit reporting agencies are obligated to ensure the ACCURACY and FAIRNESS of the information they include in consumer credit reports. Including child support obligations, which are not indicators of an individual 's creditworthiness, goes against the spirit of this law. 

Moreover, the CFPB, a federal agency tasked with protecting consumers in the financial marketplace, has emphasized that child support information should not be used in credit scoring models. They recognize that child support payments do not reflect an individual 's creditworthiness and should not be considered as a factor in determining credit eligibility. 

Recent events have further highlighted the need to safeguard individuals from unfair credit reporting practices. In the wake of the XXXX pandemic, many individuals have experienced financial hardships, including difficulties meeting child support obligations. Recognizing the extraordinary circumstances faced by parents during this time, several states have implemented temporary relief measures to suspend enforcement actions and modify child support payments. It would be unjust to penalize individuals for these temporary hardships by including child support information in credit reports. 

Furthermore, the XXXX settlement in XX/XX/2020 serves as a reminder of the importance of accurate credit reporting. The lawsuit alleged that credit reporting agencies failed to maintain accurate and complete credit reports for millions of consumers. This settlement reinforces the need for credit reporting agencies to exercise caution when including sensitive information such as child support obligations in credit reports. 

Considering these laws, regulatory guidance, and current events, I respectfully request that you remove any inaccurate and irrelevant information regarding child support from my credit report. Doing so would align with consumer protection principles, fairness, and industry best practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX would show how this is incomplete inaccurate and not being reported fair. Since it cant be use in credit scoring needs to be deleted
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (NC)

I disputed an item on my credit report between XXXX XXXX XXXX. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (CA)

I have written letters to Experian, XXXX, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/23 I went to a Chase drive-through ATM. I put my debit card in the ATM and deposited {$420.00} cash. XXXX {$20.00} dollar bills, XXXX {$50.00} dollar bill and XXXX {$10.00} dollar bill. The ATM said take your card and gave me a receipt that said call this number to the claims department. I immediately looked on my online banking and saw the money was not in my account. I went into the chase bank and told the teller what just happened and she said they do not service those ATMs. I then called the number and they gave me a {$420.00} credit. This morning on XX/XX/23 I woke up to that credit being reversed. I called the claims department they said there was no error on their part so they reversed the credit. I finally talked to someone above them and they gave me the number to their executives office, saying they will be able to do a full investigation looking at cameras. When I called them they said I had to call the police and file a report, they don't deal with customers directly. I called the police, they said there is no crime so I was unable to make a police report. Chase has no other options for me. I need this to be resolved please.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TX)

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX  XXXX. XX/XX/year>, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and MHOELA website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I got a letter from Synchrony Bank, XXXX PA, stating that I tried to open a credit card from Synchrony Bank for my Paypal account. ( XXXX XXXX : XXXX ). 

I NEVER TRIED TO OPEN A CREDIT CARD for my Paypal Account ( associated with XXXX ). 

I tried to report this fraud to Synchrony Bank, but I have no way to contact them unless I already have an account with them. Therefore, this complaint is against Synchrony Bank because I have no way to report fraud to them unless I already have an account with them. 

( BTW, I actually do have an account with them associated with the retail chain PC XXXX, but this fraud attempt described above is NOT ASSOCIATED WITH THAT ACCOUNT ).
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (OH)

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

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  KY ) Account # XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX Account # : 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 an 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 2023-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I already have a complaint submitted with this company and now to get back at me they are leaving threatening voicemails every single day that I have as evidence on my phone. I have dates, times and names. They call every single day multiple times a day telling me they are going to take my vehicle, they are going to sue me, they will take my job, they will do whatever it takes. That they are a large corporation and that corporate does not care about complaints and that I have really done it in for myself. Please someone help me.