davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

I paid off my entire balance with Discover card, then I accepted a 0.0 % balance transfer for 1 year. Since that time period they have continued to charge me XXXX cents a month as a minimum interest charge rate. They keep saying that I haven't paid off the prior interest charges and the minimum balance goes towards paying off interest charges first. I HAVE NO INTEREST CHARGES and the balance is not paying off anything. This is deceptive trade practices saying XXXX wont be charged any interest charges when in fact I am.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (TX)

On Saturday morning, I went to access my bank account. However, the app told me that my account has been frozen and that I am supposed contact the security team for more information. However, no one has got back to me. It has been two days and my checking and savings accounts are still frozen.
Consumer complaint received 2022-05-03
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. (WV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NJ)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least XXXX XXXX to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate. 

If your company fails to respond to this validation request within XXXX XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Consumer complaint received 2022-11-01
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. (VA)

XXXX XXXX, XXXX ( Account Number Unknown ) has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2022-11-01
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-01
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX XXXX is no longer extending credit and the account is closed. 


XXXX. XXXX  violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely reporting the legal status of the account as XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ). 

54. Defendant violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely characterizing the account status as " XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).
Consumer complaint received 2022-08-03
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX Experian Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX Employers : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NY)

On XX/XX/2022 I reached out to PNC bank regarding an interest charge on my card that was posted on XXXX XXXX. I explained my situation to the representative as I had an emergency with my father XXXX hence my payment not being paid in full for XXXX and XXXX. The representative then told me that she would be able to process a waive for the XXXX fee of {$51.00} as a one-time courtesy. To this day I have not gotten any refund and had reached out to resolve the issue only to be told now that it's not possible all of a sudden and nothing can be done.
Consumer complaint received 2022-04-11
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: WELLS FARGO & COMPANY (TX)

Wells Fargo Card Service has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}
Consumer complaint received 2022-08-03
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. (NV)

XXXX removed this from their database as it is proven to be inaccurate. See attach letter and my account number as proof of the removal. 

Please delete this from my credit report Thanks
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2022-10-17
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. (CA)

Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

I had XXXX balance transfers on my Citi credit card. One was at 3.99 % for the life of the loan, and one was 0.99 % until XXXX XXXX, after which it turned to a 19.49 % interest rate. Soon after XXXX XXXX, I sent money to pay off almost all the previous 0.99 % interest rate loan, now 19.49 % interest rate. Citi used the money to pay of the 3.99 % interest rate ( for the life of the loan ), and paid the extra toward the 19.49 % interest rate ( and, starting the XXXX statement, the interest rate moved to 19.74 % ). I called XXXX  times about this. XXXX times they told me it would be corrected, but I then receive a note saying that the payments were applied correctly, although in the note they stated " Please note that payment amount greater than the minimum due are applied to balances with higher APRs before balances with lower APRs. '' This is, of course, exactly what they did NOT do. I called, and they told me that they would not be correcting the situation. As far as I know, they are legally required to pay off the higher interest rate loan with anything over the minimum payment, but they did not. The fact that they lied to me on XXXX different occasions saying that they would correct the problem, but not doing so, and then denying that they were acting inappropriately, is appalling. They need to correct the problem, and refund the overpayments they've taken using the inaccurate interest rate. 
When I call, the person always states that the 3.99 % interest rate loan ended in XXXX XXXX, but it was for the life of the loan ; it " ended '' in XXXX XXXX because Citi paid it off. Looking at the information abou the loan, it says " Balance Transfer Rate Until Paid in Full. '' But this loan should NOT have been paid in full, and it was only because Citi inappropriately paid it that it ended in XXXX XXXX. 
I've attached screenshots of my XXXX, XXXX and XXXX statements from Citi. 
In XXXX 's statement ( issued on XXXX XXXX ), I was charged at the 3.99 % for {$4000.00}, and at the 0.99 % rate for {$7500.00}. That was fine. 
The 0.99 % interest rate ENDED on XXXX XXXX, clearly stated on my bill, and converted to 19.49 % ( as will be seen on my XXXX statement ). 
On XXXX XXXX, AFTER the 0.99 % interest rate converted to 19.49 %, I paid {$7500.00} and on XXXX XXXX, I paid {$50.00}. This should have paid off almost all of the now 19.49 % loan. However : In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate was applied to {$730.00}, and the 19.49 % rate was applied to {$4600.00}, indicating that Citi used the money I paid toward the LOWER interest rate loan. 
In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate loan was at {$0.00}, and {$4000.00} was now being charged at a 19.74 % interest rate. Since then, nothing has changed.
Consumer complaint received 2022-11-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (TX)

Personal Information Im requesting to be removed from my credit profile. 
FRAUD ALERT ( information on alert is incorrect and reporting a phone number that doesnt belong to me XXXX. 

Remove Alert. Remove All listed Employers : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Remove listed mailing addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX