davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: CITIBANK, N.A. (NJ)

So I called citi bank in regards to application for the aadvantage platinum card to c if I can get the sign up bonus and they checked my account and they I am able to get it I applied for the card met the spending requirement and then they said no your not and we are sorry the agent informed you otherwise No 1 was willing to help me at all
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OH)

I RECEIVED A CALL FROM MY BANK ALERTING ME OF A WIRE TRANSFER REQUEST. I CALLED MY BANK AND TOLD THEM I DID NOT REQUEST A WIRE TRANSFER. I ALSO GOT AN ALERT FROM XXXX XXXX FOR A HARD INQUIRY FROM THD/CBNA. XXXX TOLD ME IT WAS FROM XXXX XXXX BUT DID NOT HAVE A CONTACT NUMBER FOR THEM. I FILED A DISPUTE WITH MY BANK AND WITH XXXX. XXXX TOLD ME TO CONTACT YOU AND ALSO FILE A DISPUTE.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are.

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and LVNV Funding and I do not have a contract
Consumer complaint received 2023-06-14
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXXXXXX Balance XXXX {$2.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC (NJ)

I XXXX XXXX, certify that this is a declaration under the penalty of perjury, and acknowledge that this a statement of truth. North State Acceptance is knowingly and purposely violating my consumer rights. On XX/XX/2021 after seeing they were reporting a charge off of an auto loan to XXXX XXXX and XXXX, who are all 3rd parties to this consumer credit transaction ; I disputed the debt per 15 USC 1692g. The company responded via USPS on XX/XX/2021 that I need to provide them a police report which completely denies my initial request for debt validation. The lack of validation and continuance of reporting of my personal consumer info to XXXX violates 15 USC 1692g ( a ) and 15 USC 1692g ( b ). Also the term charge off is not defined under the FDCPA which now means that the reporting of this undefined term violates my consumer rights per 15 USC 1692e. North State Acceptance has also violated my consumer rights per15 USC 1692e ( 2 ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 10 ). All three major credit reporting agencies who are not affiliated with the federal government have all violated my consumer rights per 15 USC 1681b because I never gave them prior authorization or consent to collect this information on my credit profiles. This account must be removed per The Fair Debt Collection Practices Act from all three of my credit reports including XXXX XXXX, and XXXX  with in 30 days of receipt of this demand for my consumer rights to be protected.
Consumer complaint received 2017-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-04-23
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: DISCOVER BANK (OK)

I am writing this Complaint as a notice of noncompliance from DISCOVER BANK. XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX On the XXXX XXXX XXXX XXXX  report in the month of XXXX XXXX XXXX  there's a XXXX  days past due reported on my report. That's not accurate. 

On my XXXX report The last payment made says XXXX, XXXXAlso on my XXXX account Discover Bank has XX/XX/XXXX and XX/XX/XXXX as current. Which makes no since. 

On my XXXX account Discover Bank has XXXX of XXXX as XXXX  days lateXXXX of XXXX as XXXX days late. XXXX of XXXX as XXXX days late. 
XXXX, XXXX and XXXX of XXXX all have XXXX days late. 

On my XXXX Account the Discover Bank account closed date is XX/XX/XXXX. However, I have late payments on my report after the closing date. 

On My XXXX report I have late payments reporting from XX/XX/XXXX to XX/XX/XXXX and then charged off in XXXX of XXXX. How do I have late payments reporting after the closing date? Because Discover is reporting XXXX different closing dates. I have a closing date for the account in year XXXX and another closing date in XXXX. Just these XXXX bureaus alone have major inaccuracies. They are not reporting the same. Also because of the inaccuracies in dates it is implied that they wouldn't even fall off at the same time because they are so different. Furthermore, Every Time I dispute they keep reporting in remarks " Account information disputed by consumers meets FCRA requirements. While it's their duty to make a remark that I disputed ; Nothing above meets FCRA Requirements. The FCRA states, specifically 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a ) which states " Reporting information with actual knowledge of errors. 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. '' 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( b ) states " Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. '' They refuse to delete the account thats has so many inaccuracies. Thats not right. They know its wrong and they keep saying it meets FCRA when it clearly doesnt. It isnt the same across the board. Its wrong. Several Late payments after closing dates. XXXX different closing dates. XXXX different charge off dates. XXXX different fall of dates. They XXXX XXXX XXXX the account. This is not my first, second or third dispute. At this point its because fraudulent and willful non compliance. They clearly arent investigating anything.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (PA)

After reviewing my EXPERIAN credit report, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NC)

Ive reached out to the company to close this account or disconnect my bank, they claiming I owe an outstanding balance. There is no where on the website or app to pay this balance and they are refusing to close the account or allow me to disconnect my bank account essentially forcing me to continue to pay them. Considering the CFPB has already filed suit for the exact practices and it is considered deceptive lending this is unacceptable. 

If not I will seek out a lawyer and proceed with arbitration.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX of 2024, I noticed a XXXX XXXX credit card hard inquiry that I did not make m. It affected my credit score and once contacting XXXX XXXX  the account was never opened.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I currently have a Wells Fargo checking account and opened a IRA brokerage account with XXXX dollars so I can start a retirement fund and after 1 week Wells Fargo terminated my account with no reason giving to me and said that I will be charged a XXXX dollar fee for termination and my XXXX dollars in there will go towards that fee this is not right to me and very unethical
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Fraudulent check for {$8400.00} was processed against our checking account at Chase bank. We reported it immediately upon discovering it on XX/XX/XXXX and submitted required written form on XX/XX/XXXX after getting misleading instructions from a bank employee. Upon following up on XX/XX/XXXX were told the claim was still awaiting documentation. We went into bank branch and worked with manager to resend the form from XX/XX/XXXX and verified it was received by the fraud department. We are now being told we will get a credit in 3-5 business day, which exceeds their requirement to give us a temporary credit within 10 business days from the date of the claim. This has had a very negative affect on us financially and we want to be sure they follow through and that their failure to follow the regulations are noted.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX, XXXX, and XXXX of 2024, I wrote and called and asked that the dispute 'statements ' on both of my XXXX XXXX accounts be removed as I am in the process of applying for mortgages to purchase my first home. Neither XXXX of the accounts are in dispute so the statements need to be removed. My credit was pulled by a lender today and it still is on my report.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: CREDIT ACCEPTANCE CORPORATION (MI)

I received a copy of my credit report with the intention of trying to improve my my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they reporting right or wrong I am saying that I am not XXXX percent sure if they are. I also read something called the fair credit reporting act were it said I have the right to challenge anything I am not sure is accurate. Are you familiar with something called 15 U.S.C section 168i ( a )? I heard that if you cant not provide proof these accounts must be deleted if they are XXXX percent right and correct. So could you please check on this and get back to me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation please investigate the following account and remove them if anything is missing or not correct on them. In accordance with the fair credit reporting act in accordance with the fair credit XXXX 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 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-11-15
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( i did not give you 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.