davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Hello, this complaint is against my Union Bank Credit Card for false or misleading program information in regards to Covid-19 assistance due to hardship on two separate occasions. This has now resulted in two late payments on my credit report, as well as a " hard credit check '' ( even after I verified with the rep on the phone that it would be a " soft check ''. 

1st Instance : In early XXXX, I received an offer by email indicating that if I'm having any financial issues as a result of Covid-19, that I could request payment deferment for 3 months via the Union Bank Credit Card website . I filled out this form, and received an on-screen confirmation that I can skip my mininum payment for 3 months without any adverse credit reporting, or late fees. Two month later, I was hit with a late payment on my credit. I called and spoke with Union Bank, and they rep said they had no record of my online request. 

2nd instance : I received a letter from Union Bank dated XX/XX/XXXX, stating that if I was impacted by Covid-19, to contact union bank for flexible relief programs. I called Union Bank and spoke with " XXXX '' or " XXXX '' on XX/XX/XXXX. The rep said that no such program exist ( even though I received a letter from union bank stating such a program exists ). The rep then took a payment from me to avoid a late payment. He rep also said they can run my credit to see if they can help in any way. I told the rep that I would only consent to a credit check if it was a " soft check '', and not a " hard check ''. The rep verbally confirmed that it would be a soft check. Today ( XX/XX/XXXX ), I was hit with a late payment, and a hard check on my credit. The Union Bank rep completely LIED, and the Union Bank letter contradicts what he told me about relief programs. 

Union Bank 's credit card division is not truthful, any Covid-19 related relief programs they advertise to customers are never actually available ( I can provide a copy of the letter they mailed me to advertise Covid-19 relief ). The phone rep completely lied. Please help. This has damaged my credit, and created a hardship situation. 

Thank you
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

Account # XXXX is damaging my credit worthiness due to lack of missing information. This account has no original owner attached, nor does it have the terms of the contract, date closed, and other important information! This is a violation of the ( FCRA ) and consider unverified, and inaccurate reporting! Please delete this item immediately ( XXXX XXXX XXXX  ) per federal law!
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OK)

On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. Commenity Capital Bank aka XXXX XXXX reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (IL)

On XXXX XXXX, 2023, I contacted Albert App ( who uses XXXXXXXX XXXX ) to try to withdraw funds I had forgotten about ( so the account hadn't been used in quite some time ). I updated all my information, such as address, phone number, and even added a new bank account since the one that was in there already had been closed for several years. After verifying the new bank account ( via small test deposits ), I attempted to transfer the money out but it wouldn't complete the process. I contacted them to resolve the issue, and they proceeded to constantly demand account statements ( for verification purposes ) for the account that no longer exists. I tried explaining to them that since the account has been closed for more than 5 years, the statements they were requesting no longer exist. Per their terms and conditions, they will accept other documents ( such as a utility bill or an affidavit ), but they refuse to honor those terms and they continue to withhold access to my funds.
Consumer complaint received 2023-06-19
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. (TX)

I was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
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 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 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 2018-10-16
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. (MS)

I have a problem with information on my credit report and they ( TransUnion ) refuses to remove something on my credit stating it was accurate. Dr XXXX has put on my credit report that I have bad credit. Let me tell you what happen, In XX/XX/XXXX I went to see Dr XXXX, I did not like him and I didn't go back to him. Weeks later I recieved a bill, I had call Dr XXXX and told them I had insurance and ask them why they did not file to be paid , Dr XXXX nurse told me I had to file for it for them to get paid! I never heard of such any time you go to the doctor they file for you, so they can get paid. I as a consumer did not know how to file because they use XXXX codes to get paid, I called the nurse back and she told me she didn't have the time to file for me and that I needed to learn how to file and hung up on me. I again called the office back and she again told me the same thing and hung up on me. How this is on my credit report and I want it remove. I contacted TransUnion file a complaint and it took 1 month to investigate this matter and they told me it was accurate, this isn't fair. A clinic visit is now {$900.00} and I'm being called everyday three and four even 5 times a day screamed at talked to like a dog. Because his nurse refused to file my insurance, now they have change the date so it was XX/XX/XXXX and now they are saying XX/XX/XXXX. TransUnion is not being fair they gave the people my phone number to call me and harness me. It all started with XXXX XXXX. How do I file a charge against them for doing this to my credit and me?
Consumer complaint received 2023-09-27
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. (IL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I called the number listed on my bill to cancel my American Express Delta Skymiles Gold Card on the day I received my XX/XX/year> paper statement. The only charge on the bill was an Annual Fee of {$99.00}. I explained to the representative that I was cancelling the account because of the fee and the fact that I was not using the card. The representative offered me an option of a different account that had less/lower fee, but since the card was more or less inactive, I declined and the process was completed. This took place on XXXX. 

On XX/XX/XXXX, I received XX/XX/year> statement with the fee still showing as a previous balance. I called the same number ( XXXX ), and after verifying that the account had been closed, was transferred to a live representative. When I explained the situation, the representative ( XXXX ) informed me that although the account had been closed, the fee remained due because I had not requested closure within 30 days of end of the bill cycle, which would have been XX/XX/XXXX. I did not receive a XXXX statement and explained this to the representative. I was told my case would be notated and sent to??? for review, but that she did not anticipate the fee to be reversed. 
She also told me that she didn't know the timeline of the review, and that I would not be contacted with the result of the review, but would continue to receive a monthly bill. When I asked her for the case number for my reference, I was told that this was told that this was confidential info. When asked to whom I could report my dissatisfaction, she said she didn't know. 

I then called the XXXX  Error Resolution number XXXX and spoke to XXXX XXXX XXXX ) who confirmed that what I was told was correct and said the the XXXX XXXX XXXX XXXX their operations ( which I suspect is incorrect ).
Consumer complaint received 2023-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

.ALLY BANK APPLICATION HAS NOT BEEN FIXED. I STILL HAVE TO ENTER MY ID and PASSWORD TO LOG INTO ALLY APP, it won't save my credentials and FACE ID and PASSCODE DON'T WORK!!! Fix it!!! I have placed a complaint with attorney general!!! 

Additionally, it took me six days to transfer in between accounts of my own!!! And I have no money available at the savings account to pay my bills!!! UNACCEPTABLE. This bank is treating customers terribly!
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (OR)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-05
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-04
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. (CA)

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. 

XXXX XXXX / XXXX XXXX / Account Number # XXXX XXXX  XXXX / XXXX XXXX Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-12-07
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. (MO)

Experian once again closes another complaint without addressing the issue and giving explanations that once again have nothing to do with the problem which is Experian NOW HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-11-05
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. (OH)

I SENT IN DOCUMENTS THAT PROVE THAT THIS ACCOUNT IS NOT MINES AND TRANSUNION IS THE ONLY CREDIT BUERAU THAT IS REPORTING DIFFERENTLY THAN THE OTHERS. 

THIS ACCOUNT SHOWS THAT IT WAS CLOSED IN XXXX BUT IS REPORTING LATE THE FOLLOWING MONTH HOW CAN THAT BE WHEN THE ACCOUNT HAD CLOSED 45 DAYS PRIOR. 

FURTHER MORE I REQUEST THAT 15 U.S. CODE 1666B - Timing of payments be followed since this is the law and transunion along with this company is breaking the law.

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. which they do not have because this account is not mines.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Several laws have been broken by both companies and Transunion 's response ( which I have attached along with my original FTC Identity Theft report ) proves they are deliberately breaking the law by using the E-Oscar system to verify my debt when i gave directions that i do not want the debt verified by E-Oscar system but instead a physical human and 2nd by not removing the alleged identity theft in 4 days when i sent in the information that legally proves that an identity theft occurred and then by adding information in my credit report that contradicts the same account.