davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

I opened a business checking account with US Bank and made use of their offer whereby I would get a {$750.00} bonus if I were to complete certain activities as described on their website. 

The terms clearly stated the following : To earn up to {$750.00}, open a U.S. Bank Business Checking account using a promo code and complete the following activities : - Open a U.S. Bank Business Checking account ( Silver, Gold, Platinum ).

- Deposit {$5000.00} or {$15000.00} in new money within 30 days of account opening and maintain your balance for 60 days.

- Enroll in the US Bank Mobile app I deposited more than {$15000.00} and maintained the balance for more than 60 days but my bonus was not given to me. I reached out to US Bank and lodged a complaint whereby they informed me that I had to ALSO login to my US Bank Mobile App with my business checking credentials.

It was not at all clear from the promo materials, or from the language that I had to do the above. I already had created my account with US Bank as I'm their consumer checking account customer as well, and as soon as I opened my business checking account it started showing up in my Mobile App upon login. I had no clue that there's a different login and password that I have to make, or to login in to the Mobile App via that.

Ultimately, someone from US Bank reached out to me and acknowledged that I should have been given the bonus and escalated the issue internally. After a few days, a bonus amount of {$500.00} got posted to my account. Upon raising the issue again that I should have gotten an amount of {$750.00}, the US Bank representative informed me that I only qualified for the {$500.00} bonus since I had not deposited the {$15000.00} amount and maintained the balance for 60 days. This statement was absolutely false.

I opened my account and on the second day itself deposited more than {$15000.00} and maintained that balance for more than 60 days so I should qualify for the full {$750.00} bonus. However, US Bank and its systems are not working properly, and neither are their employees, whereby I'm not getting my full bonus amount credited to me.

This is a huge issue and hasn't been resolved even after a lot of correspondence with the US Bank team. I'd like to formally lodge this complaint so that I can get my dues posted to my account asap. Thanks! 

Best, XXXX XXXX
Consumer complaint received 2023-06-22
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. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-10-20
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. (PA)

TransUnion, XXXX and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NV)

In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Capital One Subject : Notice of Dispute Regarding Inaccurate Credit Reporting I am writing this letter to dispute and rectify the inaccurate information being reported on my credit report by Capital One. I believe that Capital One 's reporting of my account has violated the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), specifically sections 1681c ( a ) ( 4 ) and 1681n. 

According to my credit report obtained on XX/XX/2023, it has come to my attention that my account with Capital One is not accurately reflecting the true status of the account. The incorrect information on my credit report indicates that the account is not paid in full, and furthermore, it does not accurately reflect that the account was paid as agreed. 

Under the Fair Credit Reporting Act, it is my right as a consumer to have accurate and up-to-date information reported on my credit report. In accordance with the law, I demand that the information regarding this account be promptly corrected to reflect it as " paid in full '' and " paid as agreed '' in order to accurately represent my credit history and financial standing. 

If the necessary corrections are not made within the statutory timeframe, I may be left with no choice but to pursue legal action to protect my rights. I want to make you aware that I have retained XXXX XXXX XXXXXXXX XXXX XXXXXXXX, who specialize in matters related to consumer protection, and they are prepared to provide legal assistance should the need arise. 

I trust that Capital One recognizes the importance of accurate credit reporting and will take immediate action to rectify this matter. I request that you conduct a thorough investigation into this dispute and promptly update my credit report accordingly. I also request that you provide me with written confirmation once the necessary corrections have been made. 

Please be advised that I am keeping a detailed record of all correspondence and actions taken in this matter, including copies of this letter and any other relevant documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require further information, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SD)

I have been paying on my car for 6 years now on a 5 year loan. When I pay the balance doesn't go down for months, then only goes down by a single payment. I requested payment history and it only shows the payments not the balances. There is no balance history available online or on the statements. The statements are just bills. I requested balance history but didn't receive it so I have requested it again. I want to know how my interest is calculated, how my payments are calculated, and my balance before and after payment. I have been trying to get all the info I need for 3 months. I am pretty sure I should be paid off by now. I want to know where my money went.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (VA)

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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 writing 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 items 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to experian, transunion, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

XXXX and Transunion does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : The XXXX XXXX / XXXX Account number : XXXX *** XXXX XXXX Account number : XXXX Experian : XXXX XXXXXXXX XXXX XXXX Account number XXXX *** Experian XXXX Account number: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 my 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 antedate 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 reporting consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (SC)

XXXX XXXX  has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
Consumer complaint received 2023-08-10
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. (FL)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CO)

I was in Illinois caring for my elder parents for about XXXX months. Prior to going my account had a XXXX balance. Then around 30 fraud charges posted to my account within a 60 day period. When I found out about the charges I called Goldman Sachs Bank USA and advised them of the fraud charges. They reviewed all the charges and all of them were accepted as fraud charges except for 3 charges. 

I called Goldman Sachs Bank USA back once they applied the charges on my account and they said the only reason why they did that was valid because I previously shopped at XXXX XXXX. XXXX of the 3 XXXX XXXX charges is around 25 miles from my home. Goldman Sachs Bank USA said that I needed to send them proof that I was in Illinois. I told them several times they already had the proof as I made a purchase in Illinois when I was out there for 3 to 4 months. They never looked at that statement to confirm this. 

I called Goldman Sachs Bank USA several times to dispute the charges and on each time time they advised me that I would not be held responsible for the 3 charges and then they would reapply them back to my account for the same reason that I previously shopped at XXXX XXXX Again, they never looked at the statement prior to the fraud as it shows the charge from Illinois. 

Then on or about XX/XX/year>, I called Goldman Sachs Bank USA again to dispute the 3 charges, and they advised me that they would do so. Goldman Sachs Bank USA never addressed my redispute as they just kept billing me invalid interest charges. 

Then on XX/XX/year> at XXXX XXXX Goldman Sachs Bank USA illegally called me too early on a Monday Per FDCPA- The law limits how and when a debt collector can contact you about covered debts. There are also ways to stop a debt collector from contacting you ( see : How do I stop a debt collector from contacting me? ) Debt collectors cant contact you before XXXX XXXX. or after XXXX XXXX, unless you agree to it Link https : //consumer.ftc.gov/articles/debt-collection-faqs # collection Again, on or about XX/XX/year>, I called Goldman Sachs Bank USA to redisput the 3 rebilled charges and they confirmed on the phone that they would do that and I would not have to make any payment while they were reviewing it. I never received a letter confirming the acknowledgement of the dispute and they never put the 3 charges back into dispute. This is a direct violation of the Fair Credit Billing Act ( FCBA ). Listed below is the law- The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it can not take longer than 90 days. 

Link https : //www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (OH)

On XX/XX/XXXX, I transferred money through SoFi using XXXX to pay for concert tickets. On XX/XX/XXXX, I found out that the person who was selling those tickets had been hacked, and so we were not transferred the tickets, but still had sent the payment. The XXXX XXXX of XX/XX/XXXX, I reported this and disputed the transaction of {$900.00}. In that chat, the agent said when the dispute is closed, we would receive our money back. Today, XX/XX/XXXX, we received an email that the dispute was denied, signaling that we will not be getting our money back and the transaction will stand.
Consumer complaint received 2023-09-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was contacted by Columbia Debt Recovery LLC on XX/XX/XXXX in attempts to collect a debt that I do not believe I owe so on XX/XX/XXXX I sent over a Debt Validation letter to hold the account until I received the proper information from the company. However on XX/XX/XXXX the company reported the collection to my credit and my credit score took a major hit even though according to the The federal Fair Debt Collection Practices Act ( FDCPA ) Section 1692g in Title 15 of the U.S. Code if a third-party debt collector contacts you and you're not sure that you actually owe the debt or think that the debt collector is mistaken about some part of it, you can ask for a validation of the debt. The debt collector must inform you of this right and you must make the request within 30 days of the first contact. 

After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information. 

They have yet to respond but have not stoped collection activities.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NM)

On XX/XX/2022 a mobile deposit was made to my XXXX XXXX checking account for {$10000.00}. The check was made out to my wife XXXX XXXX XXXX XXXX ) from XXXX. 
On XX/XX/2022 at XXXX mountain time the check deposited into my account. 
On XX/XX/2022 a little after XXXXXXXX XXXX mountain time the money was taken back out of my account and put on a hold for 5 additional days. According to the bank Navy Federal Credit Union the check that was used raised red flags after it was deposited into my account. While the money was in my account I was using it to make payment arrangements for miscellaneous items which are unable to be completed. I was informed from the bank that any attempts to withdraw from the account will result in overdraft fees. Overdraft fees from this bank have resulted in over {$800.00} since the beginning of this year alone because the bank will not allow any overdraft protection on my account despite attempts at adding this. Throughout the years I have lost countless money due to the overdraft fees. I am currently at a negative balance on my account because of the reversal of the check funds. I will be facing a financial hardship because of the situation I have been forced into for something that was an error on the banks system according to a supervisor I had spoken to.