davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (NJ)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BHA Services (UT)

started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As I just stated in an email I sent to Bank of America customer service ( and which I also plan to articulate in a letter I'll be snail-mailing to BofA Chairman and CEO XXXX XXXX ), " As a patriotic American citizen, NRA Life Member and law-abiding XXXX owner, it disgusts me that a bank that calls itself " Bank of America '' is taking such deliberate and blatant actions to XXXX over legitimate firearms-related businesses and thus utterly disrespect the U.S. Constitution ... the fact that you dare to continue to call yourselves " Bank of America '' is a grave insult to real Americans. I have been a BofA customer on-and-off since XX/XX/1993, but it is now time for this business relationship to end, as I have no desire to be a customer of an entity that disrespect me and my fellow XXXX owners and tramples upon my rights. Please cancel my Bank of America credit card effective immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (TX)

Citi Bank is taking the stance to discriminate unjustly 2nd amendment supporters and businesses by imposing policy that should not pertain to them. 
I urge you to discourage Citi Bank and XXXX XXXX XXXXXXXX to stop these practices. 
Thank you
Consumer complaint received 2017-05-12
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: EQUIFAX, INC. (NC)

I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PLS GROUP, INC (CA)

Employee inside of the PLS check cashing location on XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA ; decided to wrongly label my paycheck of {$4000.00} from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay to myself XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Date XX/XX/XXXX. The day before on Sunday I got to the place and was told to wait until the next business day. They took a copy of my paycheck and drivers license and stated to return the next day to cash the check that they will call me to come up there to finish the check cashing process. On XX/XX/XXXX Monday I returned to the the PLS between XXXX - XXXX and tried cashing my check. After handing my check to the female that stated she looks like me my driver license that why she in there to stole my paycheck. Unlawfully withhold hold my paycheck stating once I left with my paycheck, she will be cashing it and keeping my money. She fused to cash my paycheck and hand it back to me. Stating Im the companys payroll employee of my company. The police was called to receive my paycheck back.
Consumer complaint received 2022-12-07
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX XXXX of 2022 Venmo Credit Card The credit card advertise that they give XXXX XXXX back on the highest used category and XXXX XXXX back on the second highest used category. 
I have multiple charges at different doctors offices, and utility company. The credit card refuses to categorize the merchants as health and utility categories respectfully, and gives back only XXXX XXXX
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

Error in legal description recorded on Deed of Trust .Been more then 6 month and Ditech Loan mortgage has done nothing to correct this matter, every time i call they say there working on it but with no results.I have sent all documents to them Ditech .
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (CA)

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. I have Collections, charge offs and inaccurate personal information reporting on my credit I also have loans that are not mine that reached it statue of limitation seven years of reporting please remove immediately. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove these offending collections, charge offs and inaccurate information as soon as possible. According to FDCPA all negative items are no longer allowed to be reported to any of the credit bureau, I have not got contacted about these matters so Im asking that these items be removed immediately.
Consumer complaint received 2018-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (LA)

XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have 4 hard inquiries on my report that were said to be pre approved offers from XXXX and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on XXXX. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (IN)

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and Experian credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my Experian report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX XXXX last opportunity to resolve this matter amicably.
Consumer complaint received 2023-09-06
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. (SC)

In accordance with the fair credit reporting act the following creditors has violated my rights : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX  Account number : XXXX Creditor : XXXX Account number : XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604! Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-07
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (LA)

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with American Credit Acceptance for account # XXXX. My account with American Credit Acceptance was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from American Credit Acceptance. Recently even received a notice of a XXXX credit from American Credit Acceptance. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) you are required to remove/block any items which wereopened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumerthat the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (IL)

On XX/XX/23 I was in a webinar for a travel club, XXXX XXXX  XXXX XXXX. I was told a series of puffery sales pitches. I paid XXXX on my XXXX and then financed XXXX. The total was XXXX. After I got off of the XXXX  and received the login information for the travel club, I signed in and discovered that the discounts that they touted was an exaggeration. I then contacted Monterey Financial and they said that the sales contract with XXXX XXXX  was final. I said that I thought that all financial contracts had a XXXX  day period to cancel or rescind. I was never told that the contract was final and that I couldnt cancel after looking over the contract.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-11
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX ....
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

See attached letter for additional details, but the summary is my son ( XXXX XXXX ) tried to withdraw {$300.00} from the self-service checkout at XXXX XXXX XXXX XXXX in XXXX Colorado , but the transaction was blocked. 

Around XXXX minutes later he received a text from USAA asking if it was a fraudulent transaction and he indicated no because it wasnt fraud because he initiated it. We believe since he answered no USAA let the transfer go through, but my son was obviously not there to get the cash. 

To summarize, USAA fraud algorithm kicked in when he was withdrawing cash and his account was debited the money but he did not receive the money.