davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (AR)

On XX/XX/XXXX of 2023, I signed up for an account with this company because they advertised a deposit bonus. All I had to do was make two deposits totaling {$250.00} within 30 days. I was supposed to receive {$300.00} from them for doing so. I did that and then waited, but they never gave me the deposit bonus. Upon asking them why, they told me that my deposits didn't count because I was the owner of my own company. Doesn't seem like a fair practice.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2024-03-15
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. (TN)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-15
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WI)

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE accountS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Consumer complaint received 2023-07-06
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX 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
Consumer complaint received 2023-01-02
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. (IL)

This is my 3rd 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$390.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX, a XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Consumer complaint received 2023-11-28
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

On XXXX XXXX, I made a XXXX XXXX XXXX with Chime Bank in the amount of {$250.00} to my lawyer and she did click on the link sent to her via text message and Chime supposedly gave her the amount but she then stated she could not access it as she had to create an account with Chime. She created an account and now the money does not appear in her account. I have called Chime they say she completed the transaction and neither one of us has the money. So who is lying? Agents keep placing me on hold and I can not get my money back. I just want a refund as I am sure they see that my money is out in cyberspace floating around the financial sector.
Consumer complaint received 2023-06-09
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. (MD)

I requested an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681i ( a ) - Procedure in Case of Disputed Accuracy. I am requesting the 100 % Accuracy, Completeness and Verification for the following accounts. 
- XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, requseting an investigation of my Consumer Report from TRANSUNION per 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports for the following inquiries that have NO purpose on my consumer report. 
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
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/ I placed an order at XXXX for {$86.00}. Using my Wells Fargo charge card. It was a fraudulent site. I filled a dispute with Wells Fargo. The merchant did not respond in the alloted time. The dispute was in my favor. Wells Fargo charged me late fees, which they can't do. After many phone calls to Wells Fargo concerning said charges. They reported to the 3 credit agencies- deducting the late Charge but left the {$86.00} plus intrest of {$2.00} as owning. No- I don't owe anything. I have all the documentation concerning this dispute. After winning my dispute, Wells Fargo should have reported a XXXX balance. As of XX/XX/ Wells Fargo wants me to file a new dispute!! Are you kidding me...
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (IL)

XXXX XXXX Account # : XXXX Open Date : XXXX Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, 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. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I booked a hotel through Citi Travel on XX/XX/XXXX for the stay between XXXX XXXX, and I did call and confirm our stay with the hotel one week before the actual stay. When we arrived at the hotel on XX/XX/XXXX, I was told that our reservation had been canceled without any prior notice. That was a shock to me, as it approached night and we have young kids. Because the hotel had informed us that Citi Travel had handled the cancellation, we called Citi Travel. 

I spoke to XXXX and his supervisor, XXXX at Citi Travel. XXXX XXXX said that she would provide a full refund for the hotel cancellation. She would also provide me with XXXX points compensation plus XXXX Hotel Credit Discount converted to XXXX points. She also sent out an email stating the above. She stated that the refund would be returned to the account in 7-14 days.

After almost 2 months, I did not receive the compensation as promised. I called Citi Travel on XXXX. I was told to wait for another 7-14 days. Not surprisingly, we still did not receive the refund and compensation as promised. 

So I called again on XX/XX/XXXX, and spoke to XXXX XXXX first, who transferred to her supervisor, XXXX XXXX. XXXX XXXX reported that there was an email sent on XXXX requesting XXXX XXXX to review and solve the case. Someone from her team replied that they would review. However, there was no response or follow-up since. XXXX XXXX said that she sent another email to XXXX XXXX requesting her to follow up on this case. There had been no reply by the end of the phone call. Additionally, XXXX XXXX stated that she was unable to handle the case because the compensation was above her pay grade and the original supervisor, XXXX XXXX, should handle it. 

Since my last call on XX/XX/XXXX until now XX/XX/XXXX, after more than a month, I still have not received what I was promised to receive.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC (CA)

I received multiple emails from Arcon Credit Solutions for a debt from the XXXX XXXX XXXXXXXX that they purchased and wanted to receive a settlement on. But, this debt is not mine, I have never opened an account with the XXXX XXXX  XXXX and never even left California in my life. I have tried to contact them through email and phone to learn how to dispute the debt but there was no response. I would like to know how I can dispute this debt as it is not mine and do not want it to possibly affect my finances.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

Date : XX/XX/2023 MY Name : XXXX XXXX my Address : XXXX XXXX XXXX, XXXX, GA XXXX Contact Information : XXXX Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX : On XX/XX/2023, I sent a remittance coupon to American Express to apply a payment to my account. The coupon was received by American Express on XX/XX/2023. However, American Express has failed to apply the payment to my account. 

I have contacted American Express customer service multiple times to resolve this issue, but they have been unable to help me. I am concerned that American Express is engaging in securities fraud by failing to apply my payment to my account. Additionally, American Express 's XXXX form states that the company has a responsibility to respond to debt inquiries promptly and accurately. American Express has failed to meet this obligation in my case.

In my statement it all states your statement and must be received by XXXX XXXX. local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX. will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars
and clearable through the US banking system ; and ( 3 ) include your Account number.

UCC Codes : UCC 4-207 ( a ) ( 2 ) : A payment is final when it is received by the payee.

UCC 4-209 ( a ) ( 4 ) : A payee is obligated to honor a payment if it is made in good faith and in accordance with the terms of the payment instrument.

UCC 4-402 : A payee is obligated to refund a payment if it is not applied to the correct account.
Remedial Action Requested : I request that American Express immediately apply my payment to my account and provide me with written confirmation of this action. I also request that American Express compensate me for any late fees or other charges that I have incurred as a result of their failure to apply my payment. 

Account number ending in XXXX amount sent {$23.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc. (WA)

in late XXXX I fell ill to XXXX. I had gone the whole pandemic without getting sick and unfortunately when I got it, it was really bad. I was out of work for weeks, and then my XXXX XXXX  got it back-to-back. I was out of work for almost a month with little pay and not being able to qualify for FMLA. We were having trouble catching up on bills, so I called Essex Mortgage and requested the loan be put in forbearance. I asked what happened once we got caught up on the payments. I was told I needed to request to end the forbearance, and it would be in forbearance until I called and officially requested it to be taken out. At that time then they would discuss payment plans if need on any remaining balance. I contacted another agency to apply for HAF funds and was granted those in early XXXX. The HAF funds we received covered our past due and some forward. We were able to resume payments for a short period of time, and then my husband got XXXX in XXXX of XXXX. He ended up suffering long term effects from his XXXX called XXXX XXXX. He was out of work for a few months while trying to regain some strength and get his body healthy. I had called to inquire about payment options as we were struggling with making ends meet. I was told the mortgage was still in forbearance and we would be okay and to make payments when we could and catch up at the end. We ended up making half payments until we were caught back up. In XX/XX/XXXX both my husband and I were involved in a horrific XXXX XXXX. This left both of us in the hospital for months. I called Essex once we were released from the hospital and explained the situation. I was informed that we were no longer in forbearance because Essex had changed its policy regarding forbearance. We were taken out of forbearance without my knowledge or consent. This has been detrimental to our credit and our ability to get back on track. Essex has harmed us by unlawfully taking us out of forbearance and delinquent on the mortgage. It has harmed my credit, as my car was totaled in the accident, and I can not longer obtain a car loan because the mortgage is reporting delinquent. Leaving my family in harm of further loosing employment without reliable transportation.
Consumer complaint received 2022-12-19
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)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

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 right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In early XXXX to current, I sent individual FCRA Section XXXX letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT Account on all the Credit report to TRANSUNION. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Account as well as inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX TRANSUNION. Below are the detailed Unauthorized FRAUDULENT Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX to Current days date. 
Unauthorized FRAUDULENT Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. 
TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?
Consumer complaint received 2018-12-18
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: SYNCHRONY FINANCIAL (CA)

I have the unknown negative items on my credit report which are not mine My identity was stolen before and maybe someone opened and used my account Sybcb/XXXX Acct number # XXXX Syncb/XXXX  Acct # XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; Experian must provide how they verified debt that allegedly belongs to me in this manner : 1 ) Provide details on how Experian verified these accounts. 
2 ) Provide an original contract for each account with my wet signature. 
3 ) Provide documentation showing that I am contractually obligated to pay these debts. 
4 ) Provide proof that XXXX XXXX XXXX, and XXXX XXXX XXXX has the legal right to collect these debts. 
5 ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX, and XXXX XXXX Fact.