davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
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. (NY)

Hello This complaint is against the three credit reporting companies. XXXX, XXXX XXXX and equifax. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. 
The response from XXXX  and Equifax was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX  and Equifax a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

XXXX XXXX never responded to my letter dated XXXX XXXX to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with XX/XX/XXXX, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XX/XX/XXXX, Equifax and XXXX XXXX all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, XXXX XXXX did not even respond to my investigation request.
Consumer complaint received 2023-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING REPORTED ON MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULANT AND UNDER CODE 15 USC 1681c-2 BLOCKING OF INFORMATION DEEMED IDENITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-06-01
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. (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.

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.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (NC)

I have a BP me rewards Visa issued by First National Bank of Omaha whose rewards I cash in when I receive the bill for a statement credit and then pay the remainder in cash on the due date. Although the credit shows on my next statement as being applied along with my payment, I have been getting charged interest as if the entire monthly bill has not been paid. I have other credit cards that I do the same with and have no problem with it, as they properly apply the credit as a partial payment toward the balance and then credit the remaining amount when it is paid on the due date. 

I have been unable to resolve this and have closed my account, but want others to know that they are not operating in accordance with the XXXX XXXX XXXX XXXX in crediting accounts when transactions are conducted. 

The uploaded relevant portions of my previous bill showing several transactions that are actually in excess of the previous balance all paid prior to the XXXX XXXX due date.
Consumer complaint received 2024-06-01
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. (MI)

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 informationisinaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am disputing an account with XXXX  XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates 15 USC 1681. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and HIPAA concerns.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.
Consumer complaint received 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account Affirm Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX/XXXX XXXX XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

Issue : Missing {$600.00} us bank merchant services account sign-up bonus. 

Earlier this year back in XX/XX/2023, I had applied for a US Bank Business checking account AND a US bank Merchant Services Account. 
At the time of opening these account, the business checking account offered a bonus of {$500.00} and the merchant services account offered a bonus of {$600.00}. As per the terms, both bonuses can be clubbed to make a total of {$1100.00} in bonuses. 

8 months later and after having met all the requirements I have still not received the {$600.00} merchant services bonus ( I have received the {$500.00} business checking bonus ). I must mention that I have kept the account open all these months and have also been charged {$5.00} for the payment processing device. 

What I have done to fix this issue : - Contacted US Bank via phone : I have tried contacting us bank more than twice to resolve this issue. Even called XXXX ( Result : Both times, the representatives only transferred me to various other departments but none were able to help me get the {$600.00} bonus even though I have met all the requirements for the bonus. 

- Contacted a Client Account Manager at US bank via email. This is same account manager that had reached out to me for additional information at the time of account opening. 

Result : No response After having tried everything in my power to get this bonus and having still not received it, I am forced to file this complaint in hopes of finally getting what I was promised at the time of account opening. 

Bonus requirements as per the terms : Requirement # XXXX ( Status : Met the requirement ) : You must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions MerchanXXXX account by XX/XX/2023 : Met this requirement, opened a Silver Business Checking on XX/XX/2023 and applied for a Merchant services account before XX/XX/XXXX. ) Requirement # 2 ( Status : Met the requirement ) : Accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days. : Met this requirement, Accepted and settled a transaction in first week of XXXX ( XX/XX/2023 ) which is well within the timeframe. 

Requirement # 3 ( Status : Met the requirement ) : Not have an existing merchant services relationship with US Bank : Met this requirement as I was a new customer Note : I have submitted my merchant account number along with this complaint Attachments : - Screenshot of the offer and the terms - Proof of application submission - Proof of application approval - Proof of one payment processed for {$0.00} which should help meet the requirements of the bonus - Proof of me being charged {$5.00} for the payment processing device each month - Proof of email sent to client account manager along with date All these files have been added to a zip file which has been attached to my complaint.
Consumer complaint received 2024-06-15
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. (OH)

This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). Thank you.
Consumer complaint received 2023-06-12
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: Affirm Holdings, Inc (MD)

After purchasing a car my credit dropped which was expected so I continued to live life normal and pay off my credit and pay my car loan on time. 
Then all of a sudden I check my credit a month or two later and it continued to drop, the reason why was because of " personal loans '' that were opened and loans that are past due, they are opened with Affirm INC . I can see only partial of the account numbers that are associated with the loans. I cant see the location they were opened with, the email, nor the name. I have no way of going into this account to close it, I have no way to let customer service know the account numbers for the loan so they can pause it or close the account down. But they are connected with my credit and it is dropping it tremendously. ( over 100 points )
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/21 we entered into a contract for new windows with a company in XXXX XXXX called XXXX XXXX. We agreed to an 18-month " same as cash '' loan offered by Wells Fargo in the form of a credit card ( and associated charge ). We were told that there would be no interest due for 18 months. We were not told if the balance wasn't paid at the end of 18 months, that we would owe interest calculated from the beginning of the loan ( rather than the remaining balance ). Regrettably, we did not put this date on our calendar. 

Today we looked at the Wells Fargo statement and saw that they were charging us {$8600.00} interest on the previous balance of {$8200.00} for a new statement balance of {$16000.00}. We called Wells Fargo and they told us we were now in the XXXX month and that the interest represented interest on the total purchase of the windows 18 months ago, going forward. 

We have looked at the credit card agreement ( attached ) and in the special terms area, it says they can do this. We find this very surprising but nevertheless, that is what it says. 

If this is legal, and we assume it is, our primary complaint is that there was no warning ( an email, a letter, a note on the previous statement ), that the term of the special offer ( 18 months no interest ) was nearing the end and that we would owe interest calculated on the total purchase price. 

Had we received notice, we would have paid off the entire balance before the end of the special term. As proof, today, after becoming aware of this, and after speaking to the representative from Wells Fargo, we paid off the entire balance ( {$16000.00} ) with an immediate bank transfer. 

We consider this a " predatory practice '' by Wells Fargo ( and others ). It is designed to hope borrowers forget the date upon which they have to pay the balance and have an immense amount of interest charged to them. We believe that their lending practice should include some type of reminder and warning that this will take place if the balance is not reduced or eliminated. 

Thank you for your consideration in this matter. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-08
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: ID Analytics, Inc. (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-15
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX ( late payment ) XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

According to 15 U.S. Code 1681c-2. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX XXXXXXXX Acct : XXXX XXXX, XXXX XXXX Acct : XXXX
Consumer complaint received 2019-07-08
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: LEXISNEXIS (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..