davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NV)

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-12-30
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WI)

I opened my Citi XXXX Savings Account on XXXX XXXX under the bonus terms as stipulated in the Welcome Package I received from Citi, by responding to a solicitation from Citi after opening my Citi credit card. This solicitation targeted me through my online Citi credit card account. 

I qualified for and completed all four activities and should have receive my {$450.00} bonus by XX/XX/XXXX at the latest. I still have not received it. I contacted a representative ( XXXX ) about the matter on XX/XX/XXXX. I received an on line notice stating the promotion was not offered with my account ( please see attached ) .When I opened the account the agent stated that it was opened with the promotional bonus plan, and that is why I received the Welcome Package with pages that specifically detail the bonus schedule and I received an email confirmation stating the promotional bonus program was applied to my XXXX Savings account. These are attached as proof. 

Today, I received a call from Citi customer service today, asking if I ever received a direct email invitation or flyer in the mail to enroll in the bonus program, and told the representative that I did not, but answered a solicitation to enroll through my on line account. 

Please refer to the attached email confirmation that I was enrolled in the promotional bonus offer. 

I would think that this is deceptive, fraudulent marketing practices as evidenced by other numerous complaints for the same and past civil judgements for misleading advertising, or a honest clerical error.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (PA)

I sent a check for {$20.00} to Bread as payment on my loan. Bread has several different service contracts with various merchants, and the one governing my loan prohibits check payments which are legal tender under US banking law. Bread received my check, cashed my check, and refused to credit my account for the payment they accepted. I was not notified that they would not accept the check ; I only received demands for payment. Upon contacting Bread, I was advised that they did not accept checks, that they had cashed my check and that they had issued me a refund check which had been mailed to me on XX/XX/XXXX. To this date, I have not received this refund check and Bread has refused to provide me any documentation of its existence. Bread also refuses to credit my account for the check that they cashed.
Consumer complaint received 2023-11-09
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

I purchased XXXX Vanilla Gift ( VISA debit ) cards last year. But these XXXX cards were stolen by someone else. I have contacted the Vanilla company for almost XXXX year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? My case numbers are XXXX and XXXX. 

I have file a complaint before. Later, the company agreed to send me the refund, but they never did. Then the complaint was closed. I have called the company several times. They said they need to further investigation and let me to wait for more days. The company is dishonest, and they lied to you as well.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX and experian is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked XXXX for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}
Consumer complaint received 2023-05-22
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. (SC)

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 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.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them. 

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (FL)

On XX/XX/XXXX I made a payment of {$120.00} to total visa the payment was returned by my bank, the payment was retried by XXXX XXXX and was credited to the account on XX/XX/XXXX and settled on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the company after speaking to a representative and they advised me to send an email describing what happened. I received a response and was given a complaint number XXXX. After not hearing a response I reached back out on XX/XX/XXXX and requested an update with a customer rep I was not satisfied with the response and asked to speak to a supervisor the supervisor told me they had 60 days to investigate and would reach back out to me and offered a credit of a late fee to be returned. This issue was never settled and no one reached back out to me. While the issue was supposedly being investigated my report was hit for late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I am sure you are aware they violated my rights and did not only not properly investigate this issue but while investigating this issue they reported late payments to the credit bureaus and continued collection efforts while the issue should have been under investigation I have quoted the statue in which they have also violated 1026.13 ( d ) ( 1 ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2023-09-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

on XX/XX/2023 I ordered XXXX XXXX Visa gift cards from Vanillagift.com, as I have ordered from them for XXXX years. Order # XXXX. The cards, according to XXXX were delivered to my mailbox, including a pic of my closed mailbox. I never got the envelope. It was probably stolen by the driver. Never had a problem with XXXX, but it was XXXX XXXX XXXX and probably a substitute driver. So, I call Vanilla Gift and to ask for a replacement of XXXX XXXX cards. Called 5x, and every time I get a rep who has to connect me to the proper office. After holding on for XXXX minutes each time, ( 5x ) the call gets disconnected on their end. This is a massive waste of time and very upsetting. I thought this company was reputable, but I was very wrong. I have a reference # XXXX. Please help!! XXXX
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (WA)

Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on XXXX, XXXX and Experian. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through XXXX XXXX breach ) XXXX ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I first notified you of the fraudulent activity months ago by a letter sent through the regular mail which you received. I know you received it because you responded telling me you needed me to call. Unfortunately, I travel a lot and calling is not so simple all the time specially, when you give me an XXXX number that doesnt work outside the United States XXXX somebody should educate your staff so theyre aware of that. Eventually, I have time and I call just a few days ago. First time transferred three times. I finally get a woman on the phone is actually able to help. I explain the situation and she wasnt really sure why the fraud claim wasnt processed. But she told me dont worry she understood the situation and that she would make sure that she had all the information she needed and start the investigation. Apparently all of a sudden I got your attention since you havent been able to help for months prior to this. Now, all the sudden after multiple letters telling me to call, you send me a letter bear weigh two days after Ive called and tell me that youve completed a reevaluation of the claim. When did you evaluate the claim to begin with because you never communicated that with me, there was never a credit issued to the account. I want to know what date it is, that you evaluated the claim initially, and how you communicated that with me? And you were able to reevaluate the claim in such a short amount of time that seems virtually impossible. If you have signed contracts I want to see a copy of every single one of them. I want to see my signature on there. Because just because the thief that stole my credit card signed a contract doesnt mean that I signed it. You know this I shouldnt have to tell you this I dont know why youre being so difficult. I am uncertain if you have not just broken the law. Because I did my part and theres supposed to be a XXXX liability for fraud. I didnt have the card in my possession. I didnt give permission to anybody else to use my card I didnt benefiting anyway from the card being used I never signed any contracts nor did my authorized user, we didnt even have the card and from the representative I spoke to just a couple days ago they were transactions in Indiana and Illinois and Tennessee XXXX I mean I dont even know how thats possible to be an all of those places. I guarantee you after this we wont necessarily be closing the account, but we will make no effort to use these cards. You clearly can not be trusted to protect protect your customers when something goes wrong.
Consumer complaint received 2021-01-03
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. (KS)

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

I own a XXXXXX/XX/XXXXXX/XX/XXXXA customer yesterday, XX/XX/XXXX, placed an order and used PayPal to check out for the amount of {$74.00}. I received an email from PayPal to complete my business account. I completed that as requested. I then received another email from PayPal stating I need to add in my personal email address which is tied to the payment in XXXX. I did as requested. Then today, XX/XX/XXXX, I got an email stating I need to update info and my account is on hold. I logged in and it asked for my license/ ID, which was not requested during setup. I added that info. After uploading that, the very next screen said my account is suspended. No reason why. I can not access the funds that were sent to me. Customers can no longer use PayPal on my website. I called on XX/XX/XXXX and spoke with XXXX. She said she could appeal for me and could not see why this occurred. She did the appeal and said it may take 5 business days to get an email about the decision. She gave me a reference number or case number of XXXX.
Consumer complaint received 2022-10-17
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: BANK OF THE WEST (MO)

This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
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. (IL)

My equifax credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law equifax should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


XXXX is reporting inquiries from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.