davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
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. (IA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-24
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. (IL)

Transunion refuse to delete the un authorized inquiries reporting on my credit file. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I HAVE AN ACCT WITH AT & T UNIVERSAL CARD ( CITI ) I HAD 2 BALANCE TRANSFER OFFERS ABOUT TO EXPIRE I TELEPHONED UNIVERSAL CARD CUSTOMER SERVICE XXXX XXXX XXXX PRIOR TO THE EXPIRATION DATE OF THE ONE SOONEST TO EXPIRE ON XX/XX/XXXX {$6200.00} ( 0 % ) EXPIRE ON XX/XX/XXXX {$850.00} ( 1.99 % ) THE REPRESENTATIVE TOLD ME TO PAY {$6000.00} AND THE MINIMUM DUE OF {$210.00} PAID {$6000.00} ON XX/XX/XXXX AT THE AT & T WEB SITE. ( HAVE PRINTED RECEIPT ) PAID {$210.00} ON XX/XX/XXXX I THINK AFTER PAYING {$6000.00} {$210.00} FOR A TOTAL OF XXXX ON THE SAME DAY, AFTER PAYING THE LARGEST BALANCE, I USED A BALANCE TRANSFER CHECK TO REFINANCE THE XXXX. 

ON THE NEXT STATEMENT THE PAYMENT I MADE TO PAY OFF THE EXPIRING TRANSFER OFFER WAS APPLIED TO THE NEW BALANCE TRANSER CHECK I JUST WROTE. 

THEY CHARGED ME FOR A BALANCE TRANSFER AND ARE CHARGING ME INTEREST ON THE EXPIRED ONE. 

I HAVE CALLED SEVERAL TIMES AND SPOKE WITH VARIOUS REPRESENTATIVES TO EXPLAIN THE SITUATION THE FIRST TIME I CALLED. THEY REFUNDED THE INTEREST OF {$100.00} BECAUSE THE REP SAW THE MISTAKE. SHE ASSURED ME IT WOULD BE CORRECTED. THAT WAS IN.XXXX XXXX. 

I CALLED AGAIN AND SPOKE WITH SUPERVISORS. THEY ASSURED ME IT WOULD BE CORRECTED ALSO. I WAS TOLD TO WAIT ABOUT 5 BUSINESS DAYS FOR A REPLY. 

I RECEIVED TWO FORM LETTERS 2 WEEKS APART EXPLAINING HOW PAYMENTS ARE APPLIED. 

I CALLED AGAIN AND THE LAST TWO REPS I CALLED SAID IT WAS BEING WORKED ON. 

HOW LONG DOES IT TAKE? 

THE BOTTOM LINE IS THAT THEY APPLIED MY PAYMENT FOR AN EXPIRING BALANCE TRANSFER TO THE NEW BALANCE TRANSFER. NEGATING THE WHOLE REASON FOR THE PAYOFF TO BEGIN WITH. 

UNIVERSAL CARD SHOULD HAVE ALL MY PHONE CALLS RECORDED. STARTING WITH THE REP WHO TOLD ME HOW TO PAY OFF THE EXPIRING OFFER.
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and I wanted these items to be removed on my report.
Consumer complaint received 2023-02-25
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. (FL)

I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I noticed a collection account on my credit report from IQ DATA I sent for validation of the debt because the amount was not right This agency won't answer me nor respond to my disputes YET THEY CONTINUE TO ADD MORE AND MORE TO THE BALANCE This agency are not in compliance and I want them deleted from my credit file
Consumer complaint received 2019-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

On XX/XX/2019, I received an email from one main financial stating I could borrow an additional XXXX. I currently have a loan with them that I have been paying on for 2 years or so with no late payments. Before I could call the number, a customer service representative called me from one main and asked me about applying for additional monies. I provided her with my information and she said since tomorrow is a holiday, you should hear back from them on Friday. Typically it takes about an hour for a decision so if you want to call back in an hour or so you can do that. I did not call back but I received a voicemail stating my loan had been approved and that I needed to call back and schedule a time to come in and sign my papers and close the loan. I called the office back here in XXXX Georgia and the man cleared his throat after I said hello I am returning a call to XXXX. He said this is him. He then verified who I was and then stated, " they could not do anything for me '' .I said " excuse me? you left a message and stated my loan had been approved ''. His response was oh that is protocol. I explained to XXXX they need to be retrained because you should not call and provide false information to customers. He was not receptive to my response and so I knew at that point they were not going to loan me anything ; not even their time. He told me he would look into and call me back. I never received a return call from XXXX. The following week, I spoke with XXXX to get an update and she stated they can't do anything because of my budget. She asked me if I had additional income and I stated yes. She provided me with an email address and I faxed over additional paystubs. She still did not call back and I asked in the email to reply so I will have confirmation that the email was received. I called back and again XXXX stated " we can't do anything because of your budget '' and the call ended. I then looked up their corporate office because I wanted to understand exactly why they offered the loan and once I called in, they could no longer offer the loan.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There were XXXX XXXX XXXXXXXX savings accounts that I requested to be closed. I was told that the accounts would be closed over the phone and I will receive XXXX separate checks in the mail. This call was made in XX/XX/year>. I still have not received my XXXX checks.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX  Balance {$0.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

I received an offer from Citi about 6 months ago to open a checking account and deposit at least {$50000.00} to receive a {$700.00} opening bonus. I opened this account within promotion period, deposited funds within 20 days and maintained my balance for at least 60 days. Citi said " If you are eligible and fulfill the required activities, the Cash Bonus will be paid within 90 days after you successfully complete all required activities. " The last day to credit my bonus was XXXX XXXX, 2022, however, the bonus did not show up in my account. I reached out to them via chat and the first agent said she saw that I was supposed to get it and opened a case and it will take up to 5 business days to solve, case # XXXX. After waited for 6 business days I still see no change, so I reached out to Citi via chat again, second agent said wait up to 8 days and said I had to call and he can not do anything about it. The phone agent said I need to wait up to 20 business days to hear back and she can not do anything with it. This is nearly a month after the promised latest day to receive my bonus, Citi was trying to trick you to put your money in then make you wait forever. Those 3 agents did nothing but kicking the ball around. 

Here 's the chat history with the 1st agent : Customer Message I am contacting you because I wanted to find out why I have not received my cach bonus offer amount that I was offered when I opened my checking account. 
Read XXXXXXXX XXXX  Agent Message Yes I am also good thanks for asking. Need not to worry let me check this for you, allow me 2-3 minute. Please stay connected. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok. thanks Read XXXXXXXX XXXX Agent Message XXXX I would like to tell you that you are completed all the criteria for bonus and I apologies for the inconvenience caused to you that you still not receive the bonus let me quickly raise a complain so you will get your bonus XXXX soon XXXX possible. 
XXXX XXXX - XXXX Customer Message Ok. Great. Thanks Read XXXX XXXX Agent Message Before we process this request, can I confirm with Yes or No if your contact information on records is updated? ( such as your account address, phone number and e-mail address XXXX XXXX - XXXX Customer Message Yes. The contact information is correct. 
Read XXXX XXXX Agent Message Thanks for confirming please allow me some time. 
XXXXXXXX XXXX XXXXXXXX Customer Message ok Read XXXX XXXX Agent Message Thanks for waiting XXXX. Your request is being passed for further research regarding your dispute. The investigation may take up to 5 business days. Responses will be sent after case completion. 
XXXX XXXX - XXXX Customer Message Sounds good. Is there any reference number you can provide me? 
Read XXXXXXXX XXXX  Agent Message here is the reference number for you XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

EXPERIAN has consistently for the last XXXX  years inaccurately reported unverified false damaging information on my credit file. Any and all LEGAL and lawful proofs of claims as to any alleged debts have not only been UNVERIFIED by a source authorized to verify any such information BUT ALSO in addition all of my FEDERALLY PROTECTED RIGHTS AS A CONSUMER ARE CONSISTENTLY VIOLATED. The willful negligence and reckless reporting of false unverified " claims '' consistently are damaging myself, my integrity, financial stability and reputation. Every tendered security, which I have " issued '' to EXPERIAN has also not been properly reported to the Internal Revenue Service nor to the Security Exchange Commission which is securities fraud. PURSUANT to every CFR pertinent to federally protected consumers, EXPERIAN has and is continually violating. The company which " alleged '' a obligation has not nor can not provide any verified information proving any debt such as a contract, court order or the like, as it DOES NOT EXIST. EXPERIAN has never been given consent to put these things on my credit file by the only person with legal standing to authorize such reporting, myself. As of this date I have filed several registered complaints/submissions with the SEC concerning the securities fraud in addition to FINRA. Data from EXPERIANS XXXX and XXXX forms and The XXXX XXXX indicate EXPERIAN is also involved in " churning ''. XXXX years is quite a long time to accumulate evidence against any company willfully breaking/violating the federal law at the gross expense of others.
Consumer complaint received 2019-09-17
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. (AR)

XXXX  AND EXPERIAN AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following account is being reported inaccurately on my credit report by Trans Union. 

XXXXXXXX XXXX XXXXXXXX # XXXX I demand that this account is corrected or removed from my credit report immediately.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

Per Mohela this complaint should go to the U.S. Department of Education. As the loan servicer Mohela I have already applied for borrowers defense and my application has not been reviewed. Mohela is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/Mohela through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Consumer complaint received 2023-02-25
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-24
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was charged a foreign transaction fee for a transaction that was US based. Bank of America does not allow email or chat. Their automated phone service looped around and would never let me speak to an agent. It said i wanted my account balance ( i did not request ), then it said I wanted information regarding their veteran programs ( I did not ). I've been dealing with this for over a week now, and can not get anyone at Bank of America.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

XXXX : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

Experian : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX # XXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX In the amount of {$3900.00}.
Consumer complaint received 2023-05-11
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. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!