davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OZK (TX)

i opened Bank OZK account located in XXXX, TX under promotion of XXXX $ ( XXXX $ for checking and XXXX $ for savings ). 
The banker opened a wrong type of amount by mistake although i told her that i need bank ozk interest+ checking account which was eligible for XXXX $ total bonus. 
but she opened another account by mistake which was only eligible for XXXX $ total bonus. 
She immediately rectified the account to desired one which was interest+ checking account. 
She also mentioned not to worry because correct bonus amount will be credited total of XXXX XXXX 

Later i was just given total XXXX $ bonus instead of XXXX $ XXXX have already spoke this issue with the correct bank location for XXXX weeks now. Bank mentioned that they are looking but can not be promised of the missing bonus. But i still haven't received the rest of XXXX XXXX 
by this complaint, i am expecting the rest of bonus amount of XXXX XXXX
Consumer complaint received 2022-09-04
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. (HI)

XXXX AND Equifax has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of EdXXXX Dept of Ed/XXXX US Dept of Ed
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: MORGAN STANLEY & CO. LLC (VT)

I contacted ETrade Bank by secure messages, live chat, and phone numerous times already over the past month over this issue, and I still see one of the {$25.00} fees not being reversed, despite their claims otherwise. This is a continuation of a previous case I filed with you ( # XXXX ). 

Facts : On XX/XX/2023 someone hacked into my account and wired out nearly the entire content of it without my consent or authorization, causing also a wire transfer fee to be charged. Note the unauthorized transfers of {$3300.00} and {$25.00} on that day. 

On XX/XX/2023 a previously written check # XXXX in the amount of {$76.00} was posted and was returned for insufficient funds, causing also a fee of {$25.00} to be charged. 

On XX/XX/2023 that fee was reversed. 

On XX/XX/2023 check # XXXX was presented again and paid. 

On XX/XX/2023 the fraudulent transfer of {$3300.00} was reversed and credited back to the account. 

However, the wire transfer fee of {$25.00} was not reversed and credited back at that time. And it was still not refunded until this day. 

As this fee was caused by fraudulent activity that was reversed by now, the fee also needs to be reversed.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I value CREDIT BUREAU 's help to remove a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-09-04
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. (IN)

I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX XXXX Delaware XXXX The last two hard inquiries I do not recognize at all.
Consumer complaint received 2019-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

My car was recently siezed by the us border patrol ineeded my finance company to recover car for which was possible because it is stated in contract and was told they would not be recovering the car and if I wanted to pay XXXX to pay of loan and that was all they could do I had the car for 4 month with a 20  percent interstate rate
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My equifax and XXXX  They don't want to fix my current address. They have in my personal information as the current address : XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX and it is not my current address. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. 
I made like two disputes to change it. but they don't want to update my information and because of that my credit is frozen and we can't apply for student loans and my daughter wants to study. 
They update it by putting the same postal address as XXXX XXXX and they don't want to put the one in XXXX, Florida.
Consumer complaint received 2022-10-17
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. (IL)

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, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Consumer complaint received 2022-10-17
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. (IL)

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, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (TN)

Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud
Consumer complaint received 2023-08-08
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: LEXISNEXIS (MO)

I received a letter from Lexis Nexis telling me that this item that I dispute ( bankruptcy ) it was removed from the file with LEXIS-NEXIS however, it has not been removed from Lexis Nexis, or any of the credit bruen
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

On XXXX, I attempted to use the Equifax Lock and Alert web portal to unlock my credit record, as I have successfully done in the past. However, this time, I encountered an error message instructing me to contact customer care and mention error code 101. The exact message was : " Please give us a call We can not complete your request at this time. 
Please call the Customer Care team and mention error code 101. 
XXXX Customer Care is available between XXXX ( XXXX  ) Mon-Fri and XXXX ( XXXX ) Sat-Sun. '' Following these instructions, on XX/XX/2024 I called the provided number and spoke with a representative/agent ID XXXX ), who verified my account ownership but was unable to identify or resolve the issue. Despite being informed that my file would be manually unlocked and the issue escalated to technical support, the representative encountered the same error and was unable to assist further. 

This experience has been frustrating and concerning, especially given the discovery of numerous online complaints indicating that this is a widespread issue with no apparent resolution from Equifax. The inability to unlock my credit file has directly affected my immediate need for financing, placing me in a difficult financial situation.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

Creditor reporting a debt that is not mine I believe it is possible that it belongs to someone with same name as mine. Attached is a person lookup that shows the person 's info as well as mine. I have disputed the account several with no success. 

I requested information given at time of credit application but was told they don't share personal information publicly.
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (VA)

In accordance with the fair credit Reporting act Radius Global Solutions # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Reporting of bankruptcy on credit reports. 
I understand it's public record but why is this on my report and keep receiving decline of credit? Can't even open bank account?
Consumer complaint received 2022-11-17
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. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-17
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. (FL)

I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ID)

Chase Travel refuses to offer a difference in a price of a flight that was booked 4 days ago. 

All airlines will credit back vouchers for the difference and they state they can not. Even other travel agencies give refunds if prices drop. They stated to do a voucher I would then have XXXX $ taken from voucher when used. 

Flight is through XXXX  who said they would credit the money but couldn't since being through chase travel difference is XXXX $ in ticket price ( original fair purchased for XXXX $ new price XXXX $ ) ticket purchased on XX/XX/XXXX called for change on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

To whom it concerns, Wells Fargo received a cash payment on my credit card account on XX/XX/2019. Yet, they still show that I owe a balance of XXXX, after making a payment of {$370.00}. The bank representative, XXXX, advised me that it takes 1 to 3 days for the payment to hard post to the account. 

However, in the interim ; I'm still accumulating interest on the erroneous balance of {$710.00}. The representative affirmed this during the call. I contend that this is fraud having been committed by Wells Fargo bank on the consumer. 

Additionally, Wells Fargo is also inaccurately report this erroneous balance to the credit bureaus, as they have in the past. 

I would like the FTC to investigate this matter,
Consumer complaint received 2019-11-30
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. (NV)

On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.
Consumer complaint received 2019-09-15
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. (KS)

Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/XXXX Last update XX/XX/XXXX XXXX  XXXX XXXX Credit card {$1500.00} I am no longer liable for this account.
Consumer complaint received 2023-02-11
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. (IL)

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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 Section 602 A section 2 : It also the state a consumer reporting agency can not furnish a account without written Instructions 15 USC 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 othe than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 2019-09-15
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: EQUIFAX, INC. (FL)

I have two accounts ( XXXX XXXX XXXX, XXXX ) that are under investigation with Equifax that have been under investigation for about two months now- please see the attachment.
Consumer complaint received 2022-09-04
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. (SC)

Transunion account : XXXX XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2019-09-15
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. (KS)

Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/2012 Last update XX/XX/XXXX XXXX XXXX XXXX Credit card   {$1500.00} I am no longer liable for this account.