davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened my business checking at local US Bank branch and the banker confirmed he had applied the offer ( code : XXXX ) " earn a bonus of {$400.00} when you open a new business checking account and complete {$5000.00} in new money deposits within 30 days of account opening '' and I still have the poster for it. However, I have completed all requirements for this offer and did not get the bonus. I noticed it is because they opened a Preferred money market instead of Platinum ( required for this offer ) by mistake. I have contacted the bankers and they filed an escalation but it took forever for them to get back to me ( banker always in a meeting or with a customer when I call ) until I stop by the branch again and they said they need to file another escalation and it may not be approved because I need to maintain the {$5000.00} in the account which is not even shown on the poster for this offer. It seems to me they are trying to avoid admitting their mistake and just looking for excuses and then let me wait for reply until I give up on this.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

Around XX/XX/XXXX, someone located at XXXX XXXX XXXX  XXXX XXXX, XXXX, IL got a XXXX XXXX account/service in my name ( XXXX XXXX ) fraudulently. 
In XX/XX/XXXX I received a notice from Credit Collections Services ( XXXX XXXX XXXX, XXXX, MA XXXX - file # : XXXX - phone # XXXX ) stating that I owed XXXX XXXX {$450.00} for electric services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me a bill to my address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ). I never gave anyone permission to get this service in my name either. I have filed a XXXX police report & a IOG - Fraud Report concerning this incident. I sent/faxed these reports to the credit collect bureau along with my proof of address. They claim they don't have all of the information & requested my SSN & DL numbers, which I refuse to provide to them at this point. I am working with XXXX XXXX to squash this issue now. Credit Collections have put this on my XXXX  credit report ( XX/XX/XXXX ). XXXX XXXX # XXXX. I wasn't sure of the address at the time I filed the reports, but recently I received the address from CCS via a itemized XXXX  XXXX bill.
Consumer complaint received 2019-12-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (DC)

Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, XXXX XXXX  decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) XXXX XXXX did not provide a balance due until XX/XX/2019 due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from XXXX XXXX stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however XXXX XXXX XXXX  refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

After 20 years as a customer, I got a letter saying on XX/XX/XXXX they will be closing my account, what they didnt tell me was that they froze my account on XX/XX/XXXX and they are processing my closing account, really XXXX weeks and it s still processing, that money I wanted for my wedding, its not much but its still over XXXX and I have talked to everyone and I get the same runaround processing, you dont do that to people, I just want my money back
Consumer complaint received 2022-10-01
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. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX and 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 XXXX. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (IL)

Around the beginning of XX/XX/2019 at about XXXX when i got home off work. My son in bed and as im about to lay down also i get a knock at my door. A random man asking to enter my unit claiming to be the maintenance that lives under me and my shower was leaking in to his unti. He stated i needed to open my door at XXXX pm at night to look at my shower to fix what was wrong. I absolutely refused because he couldn't identify himself, i didnt even run the shower to leak in to his apartment, and it was XXXX at night. Due to this indecent they are claiming i was late and tried to charge me for damages
Consumer complaint received 2018-07-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

I checked my XXXX  report today and there is a company named Sunrise Credit Services out of XXXX New York which reported this XX/XX/XXXX for {$4900.00}. First off, I have not ever heard from this company about any alleged debt for this XXXX XXXX. I am currently in good standing with the Department of Education paying back my student loans for the schools I attended. I also have the Department of Education looking into this. Second, I have NOT received any correspondence from this company by mail nor have they contacted me by phone. The question is what name and address did Sunrise Credit Services send this information to and when? I know for a fact that this company did not notify me because my last name is changed. I've been married since XX/XX/XXXX and recently moved back to Texas in XX/XX/XXXX. I am disputing this negative charge on my report. It is so disheartened that companies can continue to place negative information on someone's credit report with out giving the consumer a chance to dispute. I do not owe this alleged debt nor do I wish to work with this Sunrise Credit Services because they are doing fraudulent business for something I do not know anything about nor owe. I have disputed this with XXXX as well and will being sending a dispute letter the company today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies at once.
Consumer complaint received 2023-01-12
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 XXXXXXXX XXXX XXXX # XXXX Have both 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
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have no idea what this debt is from. It says XXXX, but I have never had any XXXX products in my name.I did nothing credit related in 2017 and that's when it says it was reported. I already disputed it on my credit report, and the response was just " verified, it is your account '' but how did they verify it? I didn't get any notice or anything. No explanation at all.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. 

Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. 

However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. 

After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. 

As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. 

As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including experian, Equifax, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transuion are all reporting different, inaccurate, and fraudulent information on all XXXX credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (LA)

I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WNORDSTM/TD with the account number XXXX Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: eToro USA LLC (FL)

Last XXXX I made 2 deposits on the eToro USA LLC platform, XX/XX/2021 {$9800.00} and XX/XX/2021 {$9100.00}, which adds up to {$19000.00} to invest in and this company from XXXX XXXX  have blocked my funds claiming that they needed to verify my identity, I have sent them videos, selfies, bank statements of the account where the funds were debited and to this day after 1 month I practically do not get a concrete response from my money, I am desperate, this situation has become frustrating for me, I need help with this problem, I have done everything they have asked me and they do not solve anything, I want my money, I do not want a relationship with eToro USA LLC after what is happening.
Consumer complaint received 2019-12-27
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. (LA)

TransUnion has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND TRANSUNION TO DO THE SAME!
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX bank several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.