davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

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 XXXX, Account Number : 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 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. 

Note : XXXX and XXXX already removed this from my credit report. I don't understand why Equifax is still not able to remove this. Please remove this asap as this has already been paid ahead of time and it's still shows late for 30days which is incorrect.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Discrimination and illegal practices. I currently have a XXXX credit score with XXXX and was offered through credit match a saver one capital one card with a minimum credit limit of {$1000.00} and a maximum interest rate of 22.84 %. After I applied for the saver one card that was matched with my credit I was asked to provide a ID and a copy of my Social Security card which I promptly provided. After I provided these documents they gave me a credit limit well below the standard for this product. They gave me a credit limit of {$300.00} with a interest rate of 30 %. This is not the advertised minimum credit limit for this credit card of {$1000.00} and this is a greater interest rate than what they state the credit interest rate is. I called Capital One and spoke to a supervisor by the name of XXXX who couldnt really tell me anything but told me to continue to apply for credit line increase is after a year. I have currently to capital one credit cards with greater limits than this card and got those credit cards when I had a beginner credit score of XXXX. I have been with capital one for a year and both of my credit limits are around {$1000.00}. Ive never missed a payment and I pay my cards off several times a month. After getting my ID and seeing that I am a race outside of Caucasian they gave me a lower credit line than their minimum advertised limit and gave me a higher interest rate than advertised. Other than giving me generic responses in response to my query, Capitol One was unable to provide a rational reason why my credit limit is lower than an average person would be, and a higher interest rate than someone with a credit score of XXXX.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency.

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm.

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n.

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter.

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report.

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.
Consumer complaint received 2023-12-01
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. (CA)

I filed a complaint numbered XXXX on XX/XX/23 about credit reporting agencies releasing my mobile phone and email to the public without my permission. Currently I have been bombarded with hundreds of phone calls and a few emails XXXX XXXX weeks after filing the above complaint! I have tried to block every call I received, and I have kept a list of these phone numbers If you need them for evidence. This entire process is a massive case of harassment and an unethical business practice and puts the burden of stopping this on the consumer and not the businesses responsible. If your not going to issue a cease and assist to this, your must forward this to the appropriate agencies that have the authority to halt this process. While I was lodging this complaint I just received four unsolicited phone calls, you can't make this sh -- -- -t up!! 

Please take action and report back to me with your results and results of the agencies responsible. I can not be the only one suffering from this exploitation. I am a XXXX XXXX, working in the XXXX  and XXXX XXXX for over XXXX years, XXXX at the XXXX level, XXXX XXXX University level, and XXXX University level, my job was always to XXXX XXXX XXXX XXXX fight for justice and fair treatment, now its my turn! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc. (TX)

A debt for the amount of {$2600.00} from Sentry Credit is reporting to my credit file. 

I mailed a validation letter to debt company on XX/XX/23 I received a letter back XX/XX/23 indicating that the company was unable to validate debt. 
and did not have the information I was requesting.
Consumer complaint received 2023-06-19
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: Bread Financial Holdings, Inc. (TX)

XXXXCOMENITY ZALESXXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX, they have deducted money out of my account in the months of XXXX, XXXX and XXXX when I had cancelled the health Policy that I had with them ( XXXX ). I reached out to stop the transactions and asked for a refund but they promised they will but it never happens. They will ignore you and keep your money, at least that's how it feels. I gave them my account number and routing number for recurring payments and they did it in a form of a virtual check where they bank can not put a hold on incoming payments. I feel that I am probably not the only one that has been having this type of issues with such LLC.
Consumer complaint received 2024-04-02
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. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: AMERICAN EXPRESS COMPANY (NY)

I have been a loyal American Express ( Amex ) customer for the past 12 years. Amex prides itself on customer service ; however, after my most recent experience, I beg to differ. I was offered a one-time {$120.00} credit by using my enrolled eligible credit card to spend {$600.00} on XXXX or more purchases in-store at XXXX or online at us.burberry.com by XX/XX/2023. Therefore, I went to a XXXX store at the XXXX XXXX XXXX in New Jersey and purchased a scarf for {$620.00}. Typically, after I make an eligible purchase, I receive a notification that says thank you and confirms that I will receive a statement credit. This time I didnt receive anything, so I decided to call customer service to find out if I would receive {$120.00}. I spoke to XXXX and asked why I didnt receive an email, and she advised that my purchase was not eligible as I did not purchase it from a participating store. I asked her several times for a list of participating retailers, but she couldn't provide it. How would I have known that a XXXX store in the mall wouldnt be eligible for the credit? I wouldnt have purchased the scarf if I knew I wasnt getting money back for the purchase. Then I asked to speak to a supervisor, and she transferred me to XXXX. She told me I bought the scarf from an authorized retailer and needed to purchase it from a corporate store. I told her it was a corporate store and even called the store while she was on the phone to confirm. I asked for the list of participating stores, and she said she didnt have XXXX. She said there was nothing she could do for me. 

That said, I want everyone to know that Amex doesnt treat its customers like family and could care less if they lost you as a client. Amex doesnt honor their offers ; they make it very difficult to receive the statement credit. This is not the first time this has happened to me. I wouldnt recommend American Express to my friends and family.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo provided a credit for Negative Balances for the economic stimulus checks. 

This was never approved by myself, nor was there ever any communication between Wells Fargo and myself prior to the event agreeing to the conditions. 

This could have easily been overlooked by many account holders. 

Wells Fargo essentially provided a loan credit without any approval by the account holder. Now they are taking the " credit '' back from accounts possibly leaving them overdrafted, providing Wells Fargo with another {$100.00} in overdraft fees ( they charge the credit out multiple times ). 

This is an abuse of Wells Fargo Lending power.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2022 I sent Comenity Bank- Kay XXXX a letter to cancel my debt of {$2200.00}. On XXXX the balance was {$2100.00}. They never offered me the option to pay on the principal only.
Consumer complaint received 2023-09-11
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Duty pursuant to the FCRA, it is XXXX  to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting XXXX inaccurate late payment for the Infiniti Financial account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I received a call from my bank notifying me that suspicious activity was recognized on my debit card at XXXX AM in the amount of {$5400.00} at a nearby casino. My debit card was immediately canceled, and a report was filed with US Banks fraud department. They informed me that they will give me a provisional credit on my account. I did not hear anything about the banks investigation until I received a letter in the mail on XX/XX/XXXX stating that their investigation was complete and that they were going to reverse the provisional credit in 2 days ( XX/XX/XXXX ). I called the fraud department and they told me that they denied my claim for two reasons ; 1 : My chip was used during the transaction and because the location of theft was localized to my are. This is impossible because my card never left my wallet and I have not been to this casino in over 4 years. XXXX from the Fraud Department told me that if I wanted to get my money back, I would need to prove that I did not authorize the transactions. The bank has denied any written documentation on their investigation. 

I have been trying to solve my own crime ever since. I have filed XXXX police reports ( XXXX with the XXXX XXXX XXXX XXXX XXXX and another with XXXX Police Department ), I drove to the casino on XX/XX/XXXX and got receipts of the transactions, but the bank will not protect me or give me back the credit. The main reason they told me was because it was impossible to duplicate or clone the XXXX chips inside the debit cards ( an easy XXXX search will tell you otherwise ). This has caused undue stress and anxiety in my life as I keep wondering how I will be able to pay my bills or feed my family. The bank will not help me any further and I do not know what I can do or what rights and protections I have. It is my understanding that the law protects a consumer 's money when there are unauthorized transactions on their credit/debit card.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (CA)

Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. 

When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due. 

The other story was with US.bank with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

When checking my credit report, I noticed a new credit card account : USAA Saving Bank. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CO)

Yesterday on XX/XX/2024, I received a phone call from IQdata, a debt collector saying that I owe about {$1500.00} early termination fee from an apartment complex I previously lived at. I am sure that the rental company did charge these fees, and that I do owe them, although I did not get notice of these fees and was removed from the portal in which I would pay them, I had paid my portal to {$0.00} prior to moving out, assuming those were my total move out fees. The woman calling me told me that she could put a hold on sending this to collections for 24 hours, so I could figure out how to pay the debt. She told me to pull out a credit card or a loan. I complied and applied for the card, which was approved. I called her back on XX/XX/2024, to tell her and informed that I was approved and could activate the card after it arrived in a week or XXXX to pay this. She said I have till XX/XX/2024 before they send it collections, XXXX total days. It was also mentioned that they work off of the calendar month, not the date of notice. Then she told me to apply for a loan, all of these things pushing me further into debt and affecting my credit score due to her recommendations. I asked why I was never provided with a written notice and why I didn't have the 30 days after being informed that's outlined by the Consumer Financial Protection Bureau. She said that notices had been sent out, yet I have not received them. My address has been forwarded to my new address via the US postal service since my move. I have been told that it doesn't matter if I received the letters for validation or not, I have 5 days to pay it before it is sent to affect my credit.