davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

I'm currently locked out of my account for 48 hours after trying to transfer funds into the account so my dates my not be exact as I don't have access to the account. 

I applied for a business checking account on XX/XX/XXXX from an offer that I receive. I added {$100.00} to the account on XX/XX/XXXX. Once it was received, I tried to add more funds to meet the offer of XXXX XXXXXXXX deposited within 30 days and hold for 2 months to earn {$800.00}. 

I called 9 times last week to get help and was finally able to figure out on my own that it takes 3 days for my mobile number to be verified before I can make a transfer. I already setup my " from '' bank as an external transfer. I was told to try again making the online transfer on XXXX once my mobile number was verified. 

I logged on XXXX to make a XXXX XXXX transfer, which the website states is the limit for one transaction and takes 3 days to process. My account was subsequently locked after trying to make the transfer. 

I called the help line again and was transferred successively to four different people and had to explain my story 4 different times. US Bank made me an offer that they are blocking me from fulfilling by not allowing me to transfer funds and even locking my account, denying me access when I do try to transfer funds into the account. 

This is unacceptable banking practices. I made consideration for this deal by impacting my credit to open the account with the payoff of lending them XXXX  XXXX to make {$800.00}. The deal is not being honored and my time is being wasted. 

It seems like my only option is to cut my losses and close my account and take the hit to my credit for their poor customer service.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit acceptance XXXX XXXX and XXXX XXXX have violated Title 42, Section 408 ( a ) ( 8 ) of the United States Code ( USC ) by publicly using my social security number publicly in concert attempting to deprive me of my right to free will. Further violating U.S.C title 18 section 242 color of law. Credit acceptance has lied about documentation sent to me which I have never received mostly because they are reporting a in accurate address claiming it's accurate. Also violating the false claim 31 u.s.c 3729 by false inaccurate reports all companies and agencies named in this complaint has 10 days to correct this issue or I will be seeking the United States of America federal courts for my further civil and criminal remedies. I further request that credit acceptance XXXX XXXX XXXX all send me proof of my authorization to report anything publicly. This is defamation of character and an assault on XXXX Americans.
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. (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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I received XXXX notices from XXXX XXXX XXXX - a debt collection company - for two alleged unpaid debt claims related to a medical invoice from XXXX XXXX XXXX Reference Number : XXXX for an unpaid debt claim of {$2800.00} Reference Number : XXXX for an unpaid debt claim of {$270.00} I made repeated attempts between XX/XX/year> and XX/XX/year> to contact XXXX XXXX XXXX to request evidence supporting that the above debts are valid. No response was ever received from XXXX XXXX. No evidence was ever been provided. 

I have thorough and complete documentation of my repeated attempts to resolve this matter. In this documentation, I have outlined a detailed list of XXXX questions that require written answers. 

( See attached file ) I am unable to make any payment -- to Progressive Management Systems or XXXX XXXX XXXX -- without complete and truthful answers to my XXXX questions XXXX XXXX
Consumer complaint received 2024-06-02
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. (MI)

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS
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. (WI)

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX 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.

This company 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (SC)

I previously lived in XXXX XXXXXXXX and during covid was unable to work. I applied for, and was approved, for assistance with XXXX XXXX utility company to help with the growing electricity bill. 

After covid ended, I tried several avenues to claim the assistance that I was previously approved for in the amount of {$2300.00}. I was met with delays and non-responses. I ended up having to move to XXXX XXXX  for an employment opportunity and was advised that since I had moved from my home that XXXX XXXX would not honor the assistance they promised and that I was solely responsible for the entire amount. Since I could not pay that amount it was sent to collections and has had a severe impact on my scores. 

I find it incredulous that a company can approve and promise assistance and then turn around and deny it because I was forced to move. Had they honored their assistance when I was approved this never would have happened. 

Because of this bait-and-switch tactic that they used, I am requesting that Penn Credit immediately remove the collection from my reports.
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

My account with XXXX XXXX - XXXX 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 me 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 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. 


XXXX XXXX - XXXX 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 2024-06-02
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: EQUIFAX, INC. (CT)

Inquiries : Equifax, XXXX, XXXX Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-06-02
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 am writing to file a formal complaint regarding the handling of my consumer report by XXXX, Equifax, and XXXX. I have previously submitted a complaint to the Federal Trade Commission ( FTC ) about this matter, but I am now seeking further assistance from the CFPB. 

On XX/XX/year>, I sent a letter to XXXX requesting an investigation into several accounts listed on my credit report that I believe are inaccurate and harmful. Despite this request, I have received no response as of today, and the inaccurate information remains on my report. Since sending this letter, I have not received any response or resolution from XXXX, Equifax, or XXXX, and my consumer report continues to bear inaccurate and harmful information. This lack of response and correction violates my rights under the Fair Credit Reporting Act. 

I request the CFPB 's assistance in addressing this issue and ensuring that the inaccurate information is removed from my consumer report promptly. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I File A Dispute With Equifax Several Times Each Time They Didn't Remove It Or Follow Back Up With Me I Explain To Them The Account Isn't Mines The Address Wasn't Accurate I Also Stated I Can Turn In My Lease And My ID To Show The Address They Had Wasn't Mines XXXX XXXX Had XXXX Different Address when the Account was open they ask for my email address and phone number they said that it didn't match and that they was gon na have it remove I Explain it to Equifax they still didn't remove it each time I Dispute it my credit score has been dropping badly XXXX XXXX said when I last spoke with them that they wasn't gon na remove it after I stated I can prove I didn't create this account
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. (NY)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
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. (GA)

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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

US Bank issued XXXX separate refund checks in the amount of {$53.00} in XXXX and XX/XX/XXXX. 

XXXX  check # XXXX dated XX/XX/XXXX in amount of {$53.00} was never received. Then US Bank issued a XXXX {$53.00} refund check # XXXX on XX/XX/XXXX. I received this XXXX  refund and cashed the check. 

But I never got the XXXX  refund they issued XX/XX/XXXX. US Bank mistakenly issued XXXX refunds for {$53.00} but I only received the second refund check. Then XXXX months later in XX/XX/XXXX, US Bank charged me {$53.00} for their errors. I do not owe them {$53.00} for XXXX refund issued in XXXX. But they are sending me past due notices and charging late fees for this mistakes.
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. (TX)

I insist, without any delay or excuse, that you promptly correct this account from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct this account immediately : XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

On XX/XX/2024 my Chime account was closed. Even that before I called them several times to inform about some transactions that I didnt authorize and told them that someone else had access to my account. They didnt stop the transactions so instead they close my accounts and until this day I dont know what happened to my remaining balance I also noticed they took XXXX to pay for this fraudulent transactions that I in advance informed them and when they closed my account I saw my remaining balances was different from what I had in my account. Its been a month and I havent received any information or any updates I keep checking my mail every day and I need help to recover my money this is unacceptable because I have bills to pay and am a single mother they took all my savings please someone help me