davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

I applied, and received the Citi Premier card under a promotional offer of XXXX Thank you points after spending {$4000.00} on the card in 4 months.

After about 2 months after being approved for this card - I met this spending requirement, and waited several months for the bonus to post. After not receiving the bonus, I contacted customer support, and was told that I would not receive this bonus, as I had previously had a version of this card within the past 24 months.

Their terms and conditions state : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. '' After checking my records : I ( 1 ) Have not opened or closed a citi thank you credit card within the previous 24 months prior to meeting the promotional offer, and ( 2 ) Met the spending requirement per the terms and conditions - within the stated time frame of the promotional offer.

As such, I am entitled to receive the card member bonus that I was promised upon applying for the card. I would not have applied for this card in the absence of this bonus.
Consumer complaint received 2018-05-05
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. (CA)

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XX/XX/2018, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Consumer complaint received 2019-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF THE WEST (CA)

I am a XXXX XXXX of XXXX XXXX XXXX XXXX, my LLC name is XXXX XXXX, XXXX. I had taken a loan with XXXX XXXX XXXX In XX/XX/XXXX for {$670000.00} in order to buy out my business partner. I loss my business XX/XX/XXXX because of the CampFire. My insurance does not cover the loss of my mobile home park and the bank still wants their money, although they did deferred payments. For the past 4 months they are still charging me and adding on to the loan over {$2800.00} each month for interest. I have no income and my only source of money is my Social Security which doesnt pay very much. I NEED HELP! This is been a national disaster here in California and now the bank has continued to charge me almost {$12000.00} extra added to my account which I think is very unfair. Ive talk to XXXX XXXX vice President of Bank of the West and he refuses to help me in this matter. I want to pay off the loan due, but due to the debris and contamination of the property, I can not sell it or find a buyer until its been cleaned up which could take a few more months. Most of the town of XXXX has been destroyed from the worse fire in California. Please help me. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Experian is refusing to tell me how the " verify '' the inaccurate and unverifiable information on my credit reports. I have mailed in numerous request to Experian and they just keep saying " verified ''. I have also contacted the creditors that are appearing on my credit files, and as of today, they have not responded to my requests as well. So if the creditors can not " verify '' the information that I am requesting to me, how can Experian state that they are able to get the information " verified '' in their system? This is a blatant violation of my rights under the FCRA.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Opened a Citizens Checking account in the month of XXXX expecting to receive a new account bonus by meeting the requirements. Terms state that the bonus should've been paid by the end of XXXX, 2022. Have not received the bonus.
Consumer complaint received 2022-02-18
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. (FL)

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX XXXX Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX XXXX  XXXX : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX XXXX  XXXX : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
11 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
GREAT EXPRESSIONS DENTAL CNT. This doctor is charging me for services for braces that my child never received. 
Account XXXX : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
06 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a 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 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

This loan interested was not disclose at the beginning of the online application. No body call or contacted me to tell me the HIGH RATES. 
A {$2000.00} loan on XX/XX/2023 that I already paid {$2700.00} as of XX/XX/2023 They want to add {$1600.00} in more interest for a 7 month credit. 

This is wrong in every way how can they be allow to charge this kind of rates. 
The loan is paid and the already got {$730.00} in fees and still want to charge more. 

I need your help!!!
Consumer complaint received 2022-02-18
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 XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.
Consumer complaint received 2022-02-18
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. (SC)

I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC. (MN)

In 2018 I was diagnosed earlier before with XXXX XXXX that has made my life very difficult. I got married to a lady who exploited me and manipulated me into using my credit cards indiscriminately to purchase items for her family and herself without my permission. This involving many credit cards including a car purchase plunged me into a debit of more than {$50000.00}. I have been trying to resolve this with my credit companies since I started making improvement on my health and requesting a concession stating that these expenses were fraudulent. I am divorced now and she walked away scot free. I am now dealing with the credit companies and collections.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (MI)

XX/XX/2017 I didn't given out my information to these companies. Someone stolen my information. I am a victim of fraud. Now i have inquires on my account.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I filed a complaint with the CFPB on XX/XX/23 regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. XXXX 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a Wyoming address on my credit and I have never stepped foot in Wyoming. I am a victim of identity theft and fraud.
Consumer complaint received 2022-02-18
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. (NJ)

Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. 

Accounts should appear on my consumer report with my written permission and no other. 

In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. 

Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.
Consumer complaint received 2019-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I sent a wire with below details and i was told by my bank that this wire was hijacked by hacker the wire i sent that was debited and confirmed by the wire department .... How will a wire be hijacked and the one i  sent after this was successful. 

Chase wire tracking number : XXXX Transaction number : XXXX Wire date XX/XX/2019 Wire amount XXXX USD ( U.S. Dollar )
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I signed up for the {$300.00} bonus promotion and got confirmation via phone call and inside the branch that the bonus code was attached to my account. I fulfilled the requirements for the bonus ( direct deposit over {$1500.00} within 90 days ) and should have received the {$300.00} bonus as of XX/XX/2020. However, I have not received the bonus. Please credit me the {$300.00} as soon as possible.
Consumer complaint received 2022-06-16
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. (TX)

I have submitted and filed disputes unsuccessfully with XXXX, XXXX, and TransUnion. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (TX)

On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. 
I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. 
On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX  for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. 
On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. 
I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.