davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I opened a US Bank business checking account and business money market account with a promotion they were offering. At the time, the branch I opened the accounts at printed out a flyer that offered {$500.00} within 45 days of meeting the following terms : 1 ) Open a new US Bank business Gold or Platinum Business Checking Package and a US Bank Platinum Money Market account by XX/XX/2019. 

2 ) Then, you must complete {$5000.00} in new money deposits XXXX Direct, Mobile,  ACH, or Wires ) within 30 days of your business checking account opening. The cash bonus will be deposited into your new U.S. Bank Business Money Market Account within 45 days of deposit verification. 

-- - I opened the accounts on XX/XX/2019, and met the terms on XX/XX/2019. I contacted my local branch that opened the account for me on XX/XX/2019, after 45 days had passed from meeting terms to follow up on the status of the bonus. I was informed the promotion had not been applied to my account. I provided a copy of the flyer that was used to open the account with the bonus promotion and was told that they would follow up with the sales department. On XX/XX/2019, I was informed once more that the sales department would not be offering me the bonus, despite meeting the terms, because I was not targeted for this offer. I do not understand how this is possible given that the offer was printed for me by my local branch.
Consumer complaint received 2023-03-19
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. (MN)

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights
Consumer complaint received 2023-03-19
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. (MO)

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX Acct Service # XXXX Account Name : XXXX # XXXXXXX 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 and other adverse item of information, other than 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 any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
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. (OH)

I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (MO)

XX/XX/2019 Made online Purchase of Carvana, LLC no hassle free used automobile purchased with interest {$17000.00}. 

The advertisement said car was shipped from XXXX IN. It arrived at my home with Georgia Temp tags on them with Sales taxes as if Im a Georgia resident and I live in Missouri. I was informed by an agent and her supervisor at XXXX formerly XXXX whos an affiliate to Carvana, LLC my account does not exist! The SSN does not match Carvana have refuse to issue me that cancelled contract and original copy of online application. I issued by way of uploading my SSN front and back of my card, Missouri drivers license front and back, plus my financial income documents sent to Carvana, LLC for verification of automobile loan. 

Carvana, LLC was notified on XX/XX/2019, about the error on automobile sales contract and they refuse to cancel but instead REBUILD the contract AS IS! 

I have not been made aware of undisclosed information the vehicle was a XXXX XXXX XXXX, per XXXX manufacturer Recall Records. 

There are security transactions taken place with my personal signature rendered and protected by UCC 1-308 without prejudice. Ive issued my credit for purchase as of XX/XX/2019, to Carvana, LLC who was already PAID IN FULL after close of sale through XXXX  formerly XXXX. 

XXXX formerly XXXX have confirmed I do not have an account with their financial institution. Carvana, LLC Senior underwriter XXXX XXXX. insist I pay the payments as agreed. I have not made the first payment since purchase on XXXX, since NO CONTRACT or an ACCOUNT DO NOT EXIST, per XXXX Agent and Supervisor on XX/XX/2019. 

Carvana, LLC gave written statement they were going to rebuild the original contract dated on XX/XX/2019, with terms and agreement AS IS! 

Carvana, LLC Underwriter XXXX XXXX. refuse to disclose my original Consumer online application so I could verify my SSN since there was an error of another SSN I was not aware of that did not match my financial application.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX has reported a collection account to XXXX claiming that I owe them {$180.00}. This reporting is either the result of identity theft or an egregious mistake on their part. For all I know it could be a scam? One thing I know for sure is that I do not owe XXXX any money, and this reporting is inaccurate. I want it removed immediately.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Assigned Credit Solutions (VA)

I keep on receiving a call from XXXX XXXX, number XXXX. 

He is calling in regards to a debt owed by me to XXXX. Last year he somehow obtained my wifes parents numbers and my family numbers. I never shared them with XXXX or anyone else. He claims to have did some digging into my personal information which makes me super uncomfortable. 

I had talked with him and gave him My debt management companys phone number since I enrolled this card with them. I told him to stop contacting my family and just talk with them. In the past two months he has been contacting my family trying to make them make me call him.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (FL)

In XXXX I used the credit card for the first time in a few years and after being charged {$75.00} I payed off the amount in full on the XXXX of XXXX right before my payment due date. After receiving my mail months later, due to a delay for enlisting in the United States XXXX XXXX, I finally found out that the company has been charging me small {$1.00} payments or less for some reason undisclosed and after 6 months, the late fees and interest charges have piled up until now when I am finally able to pay off my debt. 

I am more than happy to pay off my debt but I don't even know why these charges have been made every month and why I was not made aware of these charges before I left for XXXX XXXX XXXX. 

I am willing to pay the debt amount but not the interest or late fees. 
I can provide orders concerning dates of enlistment as well as my payment statements made on time. Thank you very much!
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed numerous complaints with TransUnion, both directly and through CFPB, and have not received one response. 

That said, I just received this on their site : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX '' I HAVE NO IDEA WHAT THIS MEANS and their comment ( above ) " Original Creditor ; Payment Received, '' is nonsense. I don't even know who the original creditor was!!! 

I'm filing this, again on the advice of my attorney, through CFPB rather than with Transunion. 

It would be great if someone at CFPB would read my complaints and intervene.
Consumer complaint received 2023-03-19
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. (RI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXXXXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding the negative items found on my credit report. I have recently reviewed my credit report and discovered several inaccuracies that require immediate attention. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Firstly, I would like to draw your attention to the following personal information that is incorrect. The address associated with the account number XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX are not correct. I request that you remove these addresses immediately from my report. 

Secondly, I have noticed that an employer by the name of XXXX XXXX is listed in my report, but this employer belongs to someone else. Therefore, I kindly request that you remove this information from my report as it is inaccurate. 

Furthermore, I am disputing the following accounts listed on my credit report : XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. The account numbers for these accounts are XXXX, XXXX, XXXX, and XXXX respectively. I have no record of these accounts in my possession, and I believe this information is inaccurate. I request that you remove these accounts from my report immediately. 

Lastly, I am disputing another account under XXXXXXXX XXXX with account number XXXX. I have no record of this account in my possession and I believe this information is also inaccurate. Therefore, I kindly request that you remove this account from my report without any delay. 

I understand the importance of maintaining accurate credit reports, and I hope that you will take this matter seriously. I request that you provide me with a written confirmation of the removal of these items from my report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MN)

I opened an account with XXXX in XX/XX/XXXX. Proof of this can be seen on my credit report which has the dates of their inquiry on XX/XX/XXXX and XX/XX/XXXX. I do not know why they checked it twice as a hard inquiry. But my complaint is in regards to the collection of a past due bill. This illegitimate bill includes services already paid for and for equipment that had been return to the XXXX store in XXXX, MN in XX/XX/XXXX. This is when the service was canceled and I had moved to a new address. The new address can also be seen on my updated credit report as proof that I had moved, and then consequently canceled the service with XXXX. It is now XX/XX/XXXX and the collection company used by Comcast, Waypoint Resource Group LLC in Texas, suddenly reported it as not being paid more than a year after the service was canceled and paid.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

There are multiple names/aliases on my credit report that do not belong to me. I have tried contacting EXPERIAN to have the incorrect personal information removed, however there is no live person to speak with. Their phone system repeatedly states no representative is available, and disconnects the call.
Consumer complaint received 2023-03-17
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. (TN)

Upon reviewing my Experian credit report, I noticed 2 accounts in collection with XXXX XXXX XXXX, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. XXXX total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my XXXX  was diagnosed with an XXXX  that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with XXXX XXXX XXXX, who then reported me twice on my credit report, or the same account.

I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact XXXX XXXX XXXX, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact EXPERIAN and there is no way to reach a live representative.
Consumer complaint received 2023-03-17
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. (GA)

The following agencies was involved XXXX XXXX, XXXX and Experian was disputed on the dates of XX/XX/XXXX XXXX also XXXX XXXX also XXXX XXXX and XXXX XXXX. XXXX XXXX account that was paid off showing derogatory on my credit report causing me harm and violation title 15 us 1692:41 and 15 us 1692 : d also 15 us 1692 : c this is hindering me in moving forward in my personal life all 3 agencies are involved in this fraudulent mistake
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-02
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. (SC)

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

On XX/XX/2018 I was suspended by Checkr , Inc through XXXX because of my background report. However, what was reported is not accurate and it directly affects my life through work opportunities and economical funding. I am asking that Checkr provide me a dispute reference and also recheck my background for accurate results. They reported that I have charges and citations that are not on my record. I am definitely in need of getting things in order.
Consumer complaint received 2023-03-17
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. (MD)

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) XXXX XXXX XXXX XXXX Account # : XXXX and Experian is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like Experian and XXXX.
Consumer complaint received 2019-09-30
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. (CA)

I was at the counter at XXXX 's applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (CA)

Contacted XXXX XXXX XXXX in regards to her meaningless email to me XX/XX/XXXX @ XXXXXXXX XXXX  kept me on hold after argued this debt is not mine refer to divorce degree see attached letter she as well stated no one signed for letter in regards to putting them on notice POINTLESS CONVERSATION see tracking receipt XXXX XXXX in the past demonstrates CFPB is a joke and all they have to do is respond to close out case I aggree but only exhausting my avenues for civil action emotional as well damaging my credit CFPB needs to publish each response as well regulate companies trying to collect another state other then Nevada
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc (MI)

The collection company tired to add a debt on my report XX/XX/2018 I sent in writing a dispute never received anything. Last month the same collection agency placed a another debt on my report with out sending me any information or notify me to collect the debt. When I called the collection agency he tried to say I still owe him for the first account I disputed which he failed to send any proof of the collections. I feel I am being targeted by this collections company.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.