davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I paid off my loan and the company reported the loan closed rather than paid in full and my credit score was decreased by XXXX points. 

Your Marcus Loan XXXX is paid off! 
No more payments are required for this loan.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX
Consumer complaint received 2018-02-07
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: JPMORGAN CHASE & CO. (FL)

XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Consumer complaint received 2024-03-02
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. (CT)

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 XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 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 2022-04-29
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. (NC)

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX  XXXXXXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX OF XXXX - XX/XX/2020, 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 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 inaccura
te.
Consumer complaint received 2021-05-06
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. (LA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-04-29
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. (NC)

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX  XXXX - XX/XX/2020, 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 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 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (IL)

It has come to my attention that Alliant may have added new stipulations to the rewards program that in order to earn 2.5 % cash back that there must be a monthly deposit to the savings account? I did not receive notice of this change, assuming it has changed.
Consumer complaint received 2022-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 Capital One ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Theirs addresses on my file that I don't have any contact with, I wrote to them and told them that i have one address, and one name and that i would like them to remove them other address of my credit file, as too I have one employment and no phone number.
Consumer complaint received 2022-04-29
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 USC 1681 Section 6024 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

I am a decade+ customer of XXXX XXXX  XXXX I have a checking, savings and business account with XXXX XXXX. 

Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through Zelle, which we believed to be a XXXX Bank owned app based on the advertisements provided by XXXX XXXX  and the zelle app embedded in my XXXX XXXX  account. 

Believing the product must be reputable, the payment was sent. 

After sending, our friend asked us to send a screenshot. 

I found this odd, as we've done business several times. 

So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called XXXX XXXX. 
They said Zelle is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 

I called Zelle, it had no options for fraud, for support and the system hung up on me twice. 

I called XXXX XXXX  back and explained that we should have the ability to mitigate our losses, that XXXX XXXX  advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 

They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 

Zelle has no fraud department Zelle has no customer service options Zelle has no customer service agents available Zelle has no options for us to protect ourselves or report time sensitive issues related to fraud or app issues. 

No CONTROL is provided to me, the customer defrauded by the app XXXX XXXX touted. 

Now that I've been informed Zelle isn't part of XXXX XXXX, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 

I also am GUESSING zelle doesn't have a dedicated team. 

Had it had one, the funds would not have been sent, because we would have been able to call within the first 10 minutes of sending the payment, and cancelled it. 

Zelle should be required by law to have a fraud team. 

Zelle should be requried by law to disclose during the sign up process PUSHED BY XXXX XXXX, that it is NOT AFFILIATED WITH THOSE BANKS. 

XXXX XXXX  should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it. 

Zelle should not be able to refuse fraud or customer service.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX XXXX, and Equifax )
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a business account open with Bank of America. About 3 months ago this account was closed and the mailed me a check for the balance of my account in excess of {$8000.00}. I received the check and due to an issue with trying to deposit it, I did not receive the funds from this payment. I called Bank of America in effort to resolve the situation, and was informed that I would need to wait for 90 days for the original cashier 's check to expire in order for them to issue me a new check. I called them sporadically during those next 3 months to confirm this information and stay updated on the status of my check. I was never notified of any change in the situation and was always given that same basic information that I would need to wait for the check to expire. I called them today, XX/XX/XXXX, the day after the check should have expired, and was told that they issued me a new check and mailed out on XX/XX/XXXX. I have not received this check. Now they are telling me I need to wait until that check expires, another 90 days, for them to issue me another check. I have been waiting for 3 months to get my money. And now I'm being told that they went against their own policy that they've been holding on to for the last 3 months and issued me another check without my knowledge, that I did not receive and I can not wait another 3 months to get paid. This is ridiculous and unacceptable. I need my money. This money is my back payment from my unemployment as I am currently unemployed and I desperately need these funds. I have already patiently waited far too long, to have to deal with this bureaucratic XXXX from a bank. Please help.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc (FL)

MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TX)

My bank account was charged for a loan amount repayment of 3 installments XXXX and one installment of XXXX. 

I submitted a claim with moneylion but haven't heard anything back and I have talked to my bank. But my bank can not do anything since the charges haven't been posted.
Consumer complaint received 2018-02-07
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. (CA)

Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXXXXXX XXXX groceries stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXXXXXX XXXX  franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX Dinners thru out the XXXX XXXX XXXX resterant stops diner menus
Consumer complaint received 2022-04-29
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. (LA)

Creditor : XXXX Bank Self Lender Date : XX/XX/2022 Amount - {$25.00} Payment : Loan Agreement- {$520.00} Actions Taken : Dispute filed with the CRA - Experian requesting that this CRA please provide statements and records of all payments made and missed since I opened/closed this account. Please reinvestigate this matter and if no such records are found and delivered to the consumer please delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In accordance with the fair credit reporting act XXXX Bank XXXX XXXX - Account # : XXXX Loan # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 604 a Section 2 : Also, states a consumer reporting agency may not furnish an account without my written instructions or consent.

15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (NE)

They sent me a lengthy email stating I was going to be facing charges of defamation of character, theft by deception, Sent me an email with my drivers license number, social security number etc.
Consumer complaint received 2021-01-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

My attachments will describe the issues which involve : 1. Experian failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

There is no way to receive Citi replies in writing other than sending a letter by regular mail. 
Online I have the following options : - Chat : it shows unavailable - Call : not interested because I need the reply in writing - Mail : just absurd to send a letter for an account-related simple question Unfortunately, being a bank that is not providing any way for me to clarify questions electronically, I'm forced to open this complaint, and will open more if new questions come up and I find no way to contact Citi in writing. I refuse to send regular letters for this kind of questions. 

First question is : why? why not provide a secure message center where I can send a question? There is a secure message feature but only to read messages, not to send ( how convenient ... ) Other questions : - When I try to use the Virtual Card number feature on the website, I receive : We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call XXXX refer to Error Code [ XXXX ]. 
- I'd like to know the date in each my ThankYou card was opened, and also if and when I'm eligible for the sign up bonus of the new Rewards Plus card. I received the offer to convert my current card, but then I don't receive the welcome bonus. I prefer to wait until I'm eligible ( if I'm not already ) to apply for the card. I believe there is a 24-month wait time since the last ThankYou card was opened. Please confirm all that. 
- I opened a return protection onXX/XX/XXXX. Only on XX/XX/XXXXI received a reply, saying my account ending in XXXX could not be located ( it was recently transferred due to unauthorized transactions to a new card ending in XXXX ). They did not simply ask about the new account - they asked me to resubmit everything again, which is an absurd. They should be able to check the previous account anyway. I resubmitted everything the next day (XX/XX/XXXX ), and have not heard back yet. Slow, ineffective benefit. 

It seems you are not paying attention to your customers based on the issues reported above XXXX lack of a place to send messages, errors when using the account features, slow and ineffective benefit ).
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (VA)

I own a credit card through Navy Federal Credit Union and this billing cycle my interest rate were up from 10.65% to 10.90%. Navy Federal Credit Union failed to communicate with me as why the interest rate went up, even though there has being no interest rate increase from the XXXX XXXX XXXX XXXX XXXX is secretly trying to charge me more interest without even informing.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX  XXXX XXXX  opened in 2019. 
{$470.00} I closed this account down back in 2019 because it was a card that I did not open and did not put charges on.