davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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)

XXXX, XXXX, and Equifax have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.
Consumer complaint received 2023-10-31
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XX/XX/XXXX, Huntington Bank offered a promo that if put in a direct monthly deposit into a checking acct with them and maintained it for at least 90 days they would pay me {$400.00} as part of an advertising promotion. I went in and spoke with the mgr at a local branch office ( on XXXX XXXX in XXXX XXXX, MI XXXX ) and we set up a checking acct and I then arranged for my monthly social security check to be deposited in their bank per the terms of their promotion. As it has now been 5 mths of direct deposits, I received an email from Huntington telling me I had earned my reward and was advised to come into the branch. On approx. XX/XX/XXXX, I went into the same branch where I set up my acct and spoke to the same mgr. regarding the {$400.00} promotion reward that I was expecting. He asked me where was the code and I told him that a code was never mentioned at the time the checking acct was set up and that he and I both agreed that if I met the terms the {$400.00} promo reward would be mine. The mgr then said he would call me and it has been almost a month and he has not called me. In the interim, I have spoke to two Huntington supervisors ( XXXX & XXXX and an Escalation Agent XXXX ) and I am still waiting for a contact from Huntington Bank regarding this matter. Someone name XXXX called me regarding this matter, but I don't know if he was from Huntington or the XXXX where I also filed a complaint and XXXX has not yet returned my call in response to his voicemail. 
I want my {$400.00} reward as I have complied with my end of our contract. Moreover, I now have a witness who experience the same fiasco when she accepted the same promo for a CD deposit and then had to fight with Huntington Bank to get her reward. I sincerely hope your intervention will help as my next step will be small claims court where I will subpoena the promo advertising details publicly advertised by Huntington Bank in my area back in XXXX XXXX and take that along with my witness and we will let the magistrate evaluate this breach of contract.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted complain to the CFPB on XXXX Experian currently reporting inaccurate address information on my consumer. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


I am distressed that Experian have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


There are 2 invalid and inaccurate addresses listed as my place of residence XXXX invalid phone numbers. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

I have enclosed the required copy of my drivers license with this address as well as a utility bill verifying that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. 



Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IN)

I am writing to file a formal complaint against BMO Harris Bank regarding deceptive practices related to a promotional offer for a checking account. 

On XX/XX/2023, I opened a BMO Harris checking account at a branch location with the assistance of a banker. The incentive for opening the account was a promotional offer promising a {$400.00} bonus if I fulfilled two criteria : making 10 debit card purchases and depositing {$4000.00} for a minimum of 120 days. 

Upon opening the account, I deposited {$200.00} in cash. It took me approximately one week to set up an ACH transfer to deposit the remaining {$4000.00}, which occurred on XX/XX/2023, bringing my account balance to {$4200.00}. Subsequently, I made two withdrawals totaling {$25.00}, resulting in a balance of {$4100.00}. 

After the designated four-month period, BMO Harris Bank refused XXXX honor the promised bonus. Their initial reasoning was that there was no promo code attached to my account, despite my providing evidence to the contrary in the form of an email screenshot. They then claimed I was ineligible for the bonus due to having received a recent personal account bonus, despite the promotional terms specifically referencing business accounts. 

Finally, BMO Harris Bank asserted that my average balance fell short of the requirement, citing the delay in setting up the ACH transfer. While technically accurate, this condition was not clearly communicated in the terms of the offer, and I had assumed a grace period for funding the account, as is common practice with other banks.

I believe these actions by BMO Harris Bank to be deceptive and in violation of fair banking practices. I respectfully request an investigation into this matter and appropriate action to rectify the situation. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-20
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. (TX)

XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.
Consumer complaint received 2024-02-24
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. (TX)

File Number : XXXX XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.
Consumer complaint received 2024-01-06
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-12-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I filed a dispute on an item that was existing on my account. The account was paid in full and should have been removed. Experian did not remove the account but instead reapplied the same account dropping my credit score by 50 points.
Consumer complaint received 2024-03-31
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. (GA)

REINVESTIGATION REQUEST NOTICE XX/XX/2024 ACCOUNT : XXXX XXXX XXXX I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph XXXX, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have requested a re-investigation of the accounts listed below with a letter dated XX/XX/year> from Experian & have not received a response. Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct a re-investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information. 

Accounts : XXXX XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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: ALLY FINANCIAL INC. (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXXAlly Financial XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed and updated to the consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency innovis has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attention to this matter and expect a timely response and resolution. 

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 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.also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

I have sent validation of debt letters to I.C. Systems, INC regarding a debt collection on my credit report for the amount {$380.00} that was opened on XX/XX/2022 and company has not provided proof of debt but keep adding it to my credit report.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/2018, I opened a credit card account with Bank of America. My application was in their process for over three weeks until it was approved. I paid my bill on time each and every month. Untill recently I tired to use my card to purchase some gas and it was declined. I called the company the next day, only to learn that my credit card account was closed XX/XX/2018. They told me their risk team closed my account because of my recent credit report score drop. I told the risk team that it was a mistake on this company reporting me as late when I paid them and they misplaced my payment in a savings account instead of on my credit card bill. Then their system automatically reported me as 30 days late when I was not even late. Then I find out in the mist of trying to fix one problem. Bank of America closes my credit card account off of one negative remark on my credit report. This is unfair, because risk management told me I can reapply again. I do not want to keep adding inquiries to my credit report. This new closed account affects my credit negatively also and takes away from my number of revolving accounts and my credit percentage rate. This has had affects on me emotionally and caused me financial damage.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (ID)

I have received several phone calls from XXXX XXXX XXXX. They say they are collecting debt from PayPal credit card. I told them I never applied for this card. It isn't my debt. They insist it is, told me my SSN over the phone without verifying my ID. They threatened to call my employer to tell them about this debt and to garnish my wages. I requested written verification of debt both by email and us mail. I have not received any verification of debt, no communication other than these calls. It isn't on my credit report. Last I spoke to XXXX XXXX at XXXX XXXX XXXX at XXXX ext. XXXX. I believe this might be fraud or identity theft. I have never received account info to report to police. It's abusive collection practices and I can't even report to police due to no account information.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to FCRA Section 605b it is illegal t report information on my credit report without my permission, Thank you. Please remove this collection from my Transunion and XXXX Report. Account name XXXX XXXX with the Account number of XXXX for a balance of {$220.00}. 

On XX/XX/XXXX, I reached out to XXXX about the FCRA Sections 605B and they removed the collection from my XXXX account on XX/XX/XXXX. However, this collection is still appearing on my Transunion and XXXX Report. 

Please remove this collection from my Transunion and XXXX report with the account number XXXX and the Account name XXXX XXXX  Thanks, XXXX XXXX
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (FL)

The following account/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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