davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lenmo Inc (OH)

I sought out the services of Lenme to assist in a short term financial issue that I was having. Being in a tight spot I went with the first option that I could get. Lenme happened to be that option, however, it was not what I was expecting it to be. The company ended up charging me a 200 % interest rate over the course of 1 year. Fast forward to last week, and I realized that something just wasn't right about this. I then attempted to contact the company, which only provides support through email or live chat. I requested to negotiate the terms of the loan, and maybe to refinance at a much lower affordable interest rate. That was immediately thrown aside and I was told that it could not be done. I began to feel very frustrated and defeated at that point. At a later date, continuing to be frustrated I requested a copy of the original agreement. The company has refused every attempt I have made to provide me with this information. To my understanding a company is required to provide this information if it is requested by the party it concerns. I then requested the company to terminate my authorization for automatic withdraws from my bank account which they refused. I know for a fact that this is in violation of CFPB rules, and I have pictures to prove this.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (VA)

I deposited {$5100.00} on XX/XX/XXXX. There was a promotion that promised a {$300.00} bonus in 60 days for doing so. The terms are attached. They say : " You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Branch, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$5000.00} through 60 days after account opening. '' The language that " I must make new deposit '' ( which I did ) " of at least {$5000.00} '' ( which I did ) " in new money deposits ( ... ACH... ) ( which I did ). My deposits were an ACH, which is specified in the terms. There were two initial deposits of {$200.00} and {$4800.00}. I also received a payment of {$120.00} on XX/XX/XXXX, and a {$250.00} payment on XX/XX/XXXX. I have completed the offered terms and have not received the bonus. I called US Bank to inquire. The agent XXXX said my deposit did not count because it was an " external transfer. '' Nothing in the terms excludes ACH 's which are " external transfers. '' I asked the agent where in the terms does it say " external transfers '' are excluded. She said it wasn't in the terms. 

Additionally U.S. Bank sent me a letter stating my {$200.00} deposit ( which was made through credit card ) did not count, which doesn't make sense. It was a " new money deposit '' as stated in the terms. They stated they were not giving me my promised bonus because the {$200.00} didn't meet their terms. Even if this deposit wasn't counted, I still made {$4900.00} in deposits they appear to consider acceptable. I acted in good faith and made {$5100.00} in deposits, over their threshold. They seem to be inequitably denying me the stated promotion because they have chosen to not count a small {$200.00} deposit, putting me {$25.00} under the {$5000.00} threshold. Additionally, a {$250.00} payment was received on XX/XX/XXXX, putting me further over the threshold. 

U.S. Bank is acting in bad faith, and arbitrarily and capriciously denying me my promised bonus.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (CA)

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, 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.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (CA)

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, 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.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (SC)

Several car dealerships and financial institutions pulled my credit without my authorization. My credit has a freeze on it as I was a victim of the South Carolina credit identity theft. There are numerous financial institutions that repeatedly pulled my credit without authorization from me. I wish to have these inquires removed.
Consumer complaint received 2015-06-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (WI)

I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (HI)

I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX FIN account number # XXXX XXXX XXXXXXXX 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 : its 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 then seven years.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (FL)

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 Account # XXXX, XXXX XXXXXXXX Account # XXXXhas 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.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 
LVNV FUNDING LLC XXXX XXXXXXXX 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. Which I did not consent to. I have not spoken to anyone from LVNV FUNDING. I have not confirmed that this is or is not my debt. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Which I have disputed for inaccuracies. There is no agreement with alleged client that grants authority to collect on this alleged debt. They knowingly are attempting to collect a debt knowing they have no signature or proof that I owe this debt which is a violation 15 U.S.C. 1692e which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Also according 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid 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: ENCORE CAPITAL GROUP INC. (TN)

Got a letter in the mail saying they are going to sue me for purchases on there credit card and I know I didnt make those purchases, but someone is using my name and social security number for this card that I didnt sign up for.
Consumer complaint received 2016-03-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (IA)

I took out loan thorough Best Buy c.f. for no interest if paid before XXXX 2015. I set up payments through bill pay at my bank to insure prompt complete payment. For some reason, the last payment was short something like {$0.00}. I hear nothing more for 3 months until I happen to see an e-mail from Citi Bank and a bill for {$160.00} and change. I call to see what the problem is and I do speak to plenty of people at the bank. They were quite gracious in reducing the bill to {$120.00} and change. I now realize that there were calls on answering machine that were unintelligible, and this was probably them, but I still do n't know.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

So, XXXX XXXX illegally sold my PII and I have reason to believe these accounts were fraudulently opened by someone a in their XXXX operations. I call LVNVs toll free number and am connected to someone in XXXX. Why is my PII in a foreign country without consent or knowledge? Why do you continue to outsource positions that involve PII to oppressed countries where people are begging for opportunities to assume someone's identity and move to this country? XXXX then sold my account to someone named XXXX XXXX and XXXX. Ive NEVER had any business with any of these companies and only learned about it when I was harassed at my personal residence for a month and a half. I do not open my door unless previously announced for safety reasons. Why does my ex husband now have my address since XXXX XXXX sent my PII, unsolicited through unencrypted email. Nobody has provided proof that the letter was even sent. Where's the receipt from USPS mail confirmation receipts? I called every single merchant on the bills and not a single one could provide me any signatures on these accounts. XXXX XXXX has failed to provide me a signature.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (SC)

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX only reported to XXXX ), and XXXX XXXX XXXX XXXX reported to ( XXXX & Equifax ) has violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (DE)

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX. Notice it is a fact that my federally protected rights have been violated. THE COMPANY, NCB MANAGMENT SERVICES, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, NCB MANAGMENT SERVICES, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the complaint herein. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX 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 2022-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX  / {$0.00} / XX/XX/2022
Consumer complaint received 2021-08-26
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. (NY)

Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance XXXX Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX / {$0.00} / XX/XX/2022
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I settled my debt with Santander consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and XXXX. Beyond the settlement, Santander was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.