davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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. (CA)

There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}
Consumer complaint received 2024-07-31
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)

Unauthorized accounts of my credit : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-29
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Demand to opt out indefinitely. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I've been a victim of a massive identity theft and had my citizens Bank account drained along with a citizens Bank credit card. I've provided all the evidence they have requested at least 4 times. They continue to transfer me from debt to dept with no response or money reimbursement.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I opened a new checking account with U.S. Bank with the terms that I will receive {$400.00} in welcome bonus if the direct deposit exceeds {$6000.00} within a 90-day period. I completed the requirements and called and the customer persons said that the welcome bonus was on my account and will be added soon. Two months go by and I call again to inquire. They say they will confirm and let me know what happened. They mentioned I will get an email. I got nothing. Two months go by and I call again. 

The customer care person keeps me on hold for 30 minutes and every time I ask, she says she is researching what happened. At the end of XXXX minutes, she stops replying and cuts the call. 

This is the worst experience I have had with a bank and I have received no information about my welcome bonus and why I still do not have it even though I completed the requirements.
Consumer complaint received 2024-01-21
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. (TX)

I am exercising my right under section 605B ( a ) of the FCRA to request a block of the following information due to Identity theft : XXXXXXXX XXXX account # XXXX. My original request to block was sent via mail but was ignored by Experian. Ive attached the receive receipt and my original identity theft report.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On or about XX/XX/XXXX, CAPITAL ONE closed such account due to XXXX XXXX in fact on behalf of XXXX XXXX for exercising such right to tender legal and lawful payment to principal account. Principal has every right to do so under the pretenses CAPITAL ONE is governed by such " UNIFORM COMMERCIAL CODE '' and " COMMON LAW of CONTRACTS '' and that such corporation accepts and transfers securities and various other negotiable instruments in compliance with SECURITIES EXCHANGE COMMISSION and COMPTROLLER of THE CURRENCY. On behalf of XXXX XXXX I LEGALLY & LAWFULLY completed my performance in " Good Faith '' of such contract under UCC 1-304 , which CAPITAL ONE chose not. Due to the nature of payment tendered CAPITAL ONE maliciously closed my account without notice and has caused me great harm with their tortuous actions. Failure to comply under 15 U.S. Code 1666 ( d ) ( e ) - Correction of billing errors. CAPITAL ONE is willfully and knowingly withholding principal 's securities, and shall be held civilly liable. CAPITAL ONE is blatantly violating BANK SECRECY ACR/ANTI -MONEY LAUNDERING laws, which this would fall under TRADE-BASED MONEY LAUNDERING & SECURITIES FRAUD XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts 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 to be removed/updated.

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. 

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!
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

This is a follow-up to complaint XXXX I was charged interest on a 0 % APR balance. 

Citibank claimed they had reverted the original issue and to my surprise, and as I suspected, they did charge interest. 

Dealing with Citibank is one of the worst customer experience I have ever received.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (NJ)

Since XX/XX/23 I have been attempting to withdraw funds from my Robin Hood virtual account. I have spoken with several associates who appear to be internationally based. There is a severe language barrier it seems. I have uploaded my identification and bank statements to prove my identity. However, I am constantly told that my account is under review and that someone will notify me within the next few business days. I have verified the funds transferred into my account on two separate occasions even today but they are still managing to continue the restriction on my account. When I transferred {XXXX} last year into the account there was no issue. Now that I am attempting to withdraw funds they have been unwilling to assist me with that request. 
I have asked if I could walk into an institution to prove my identity in person only to be told everything must be done virtually and that there isn't a physical location to enter. Please assist me with the transfer of funds to my account as I have been unable to speak with someone to assist me to date. I have submitted front and back of my current driver 's license as well as a bank statement but yet my account is still on hold.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lockhart, Morris & Montgomery Inc. (GA)

lockhart morris & montgo for XXXX XXXX XX/XX/year> i tried several times to reach out and settle never got and answer or response i really need this remove from my report on XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

I have sent XXXX transfer from XXXX Credit card on XX/XX/2023 to be send to my account at Citi. Check # XXXX amount {$12000.00} XXXX to Citi The check was cashed by Citi bank on the XX/XX/2023 as proof was given to me by XXXX. 
I have try asking for Citi to apply the payment to my account since the check was send with mistype account number it went nowhere. 
I ask Citi to send the check back so we can send it with correct information, but they said they are not able to do that or help and asking XXXX to talk to them. 
When XXXX called they asked to have member on the call too. 
Basically, they have the money and not sending back to XXXX or myself. Now i have XXXX bills to pay since XXXX.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (CA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX - CARD SERVICE XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This company has given me a line of credit on XXXX XXXX which initially was supposed to be a monthly payment plan in which changed after line of credit was received of the amount of XXXX dollars into a bi-weekly plan of monthly payments being twice the amount. Also if i may add ive made all payments on time according to schedule they kept charging a XXXX dollar statement fee for 2 payments a month. Now as of XX/XX/XXXX they received two payments from me. As of XX/XX/XXXX they reported on my credit as late payment and it hasn't been 90 days past due after speaking with me on further payments.
Consumer complaint received 2023-05-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX  Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : 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 PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/XXXX I purchased my 2nd vehicle from XXXX XXXX. I went back because my first truck was perfect never had any problems. this particular XXXX XXXX was perfect so I thought, I trusted this company, since I had been there before, and they reassured me that they do a full check on all of there vehicles, and I was getting a great deal. 

6 months into the loan, the XXXX had major problems, from key not working, computer issues, fuel injection problems, transmission issues along with faulty brake system starting to happen. 
I took the truck to several places, and they stated i got a bad deal, the truck was totally patched up, and I should trade it immediately. 
Finally I stopped driving the truck, and stopped making payments until I was able to come to come to an agreement with the finance company, who I explained what was going on, where the truck was, could they work with me? They where only concerned about the payment, not that the truck as no longer running. ( Regional Acceptance Corp XXXX NC ) .after 8 months I told them I would have to do a voluntary Repo, if they could not put off payments until the dealership came to resolution about selling me a LEMON , because of my age I feel this is predatory lending. They knew the truck had water damage and other issues, and sold it to me at 28 % interest. I believe they where working together. ( XXXX XXXX and Regional AC ) To make a long story short, they picked up the truck with NO NOTICE, No correspondence for a repo was ever given or sent. The first letter I got ONCE the car was picked up was XX/XX/XXXX, " you broke a promise '' so we picked up the truck '' that was sold to me for XXXX and it would be sold on or before XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating they sold the truck for XXXX, and I still owed them XXXX in interest. This is Predatory lending at its finest, I want all information removed for ALL credit report immediately.
Consumer complaint received 2024-01-21
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.