davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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: U.S. BANCORP (MN)

Hi CFPB, Thanks for taking the time to consider my complaint. 

My wife and I used XXXX US Bank Frequent flyer miles to buy tickets to XXXX, XXXX on an XXXX XXXX. The value of the XXXX tickets was {$5200.00} plus we paid an additional {$120.00} in fees. Our itinerary was confirmed by US Bank Travel Rewards on XX/XX/XXXX. We bought coach seats directly from another org on the same flight for my son and his girlfriend for approximately {$2000.00}. 

Several days before our trip, I called XXXX air to confirm with them, but they said that we did not have tickets. I called US Bank Travel Rewards, and it turns out they had made a mistake. They made a good effort to get us into 1st class but couldn't. So, we sat in the same section as my son and his girlfriend because there was no other option. 

My wife and I weren't happy but we rolled with it because mistakes happen. However, I asked one of the representatives to inquire about compensation. We are clear we don't want to pay the equivalent of {$5300.00} for a {$2000.00} flight. She indicated she would inquire on our behalf, but we didn't hear back from US Bank Travel Rewards. 

So, I complained to US Bank directly. Just got a letter now from the office of US Bank President implying that one of their representatives had contacted us about the mistake and brought it to our attention, which isn't true. And now they are saying that they are going to compensate us {$250.00}. ( Unacceptable. ) Also, and this is one of the reasons I'm making a formal complaint, one of the other travelers on the flight indicated to us that they had had a similar experience. I can't say for sure, but it is possible that there may be an industry pattern of substituting inferior products and then not compensating accordingly.
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-07-28
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. (NV)

Equifax refuses to remove XXXX fraudulent hard inquiries to my credit report from XXXX Bank, dated XX/XX/22. I am the victim of identity theft and these inquiries are not mine! I have have filed multiple disputes with Equifax regarding this, and most recently they only took 1 day to " investigate '' before affirming that they believe the fraudulent inquiries were indeed factual. I have also reached out to XXXX and been told they have already contacted the reporting bureaus to have this information fixed. I kindly request Equifax actually " investigate '' my file and have these fraudulent applications removed from my report. I tried contacting Equifax via phone at ( XXXX ) XXXX this morning ( XX/XX/22 ) however was only able to reach an automated system, with no option to talk to an actual human about my disputes.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/22 I let the credit bureaus know that I am a victim of identity theft. There is an account from XXXX XXXX on my credit report. The account is still on my credit file. Section 605 b of the Fair Credit Reporting Act requires that any information that I inform you is fraud has to be removed within 4 business days. Also, 15 USC 1681 section 604 a 2 says that you can not put anything on my credit file without me giving you permission in writing. I never gave you permission in writing. This account is listed on my file as a charge off. That means XXXX XXXX is committing tax fraud. They have sold the account and taken a tax write off.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4400.00}
Consumer complaint received 2022-07-28
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. (GA)

Due to financial hardship, I was unable to pay my XXXX XXXX payment. I contacted them at XXXX point to bring the account current as I was due an adjustment. XXXX failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.
Consumer complaint received 2022-06-27
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. (GA)

XX/XX/22 I received an alert from XXXX XXXXXXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry
Consumer complaint received 2022-06-27
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)

n accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-21
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. (LA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance XXXX {$850.00}
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MS)

I am a victim of identity theft. On XX/XX/22, I let the credit bureaus and the secondary reporting agencies know this. I also provided them with an identity theft report showing items that are inaccurate, fraudulent, unverifiable on my credit file. These items are supposed to be deleted within 4 days according to the Fair Credit Reporting Act. Also, none of these accounts should have been put on my credit file in the first place. I did not give written consent for these accounts to be furnished on my file!! I have in writing, letters from XXXX, XXXX XXXX XXXX and US BKPT CT XXXX XXXX, stating that they do not report anything to any of the credit bureaus. I was informed that this information was furnished using XXXX, XXXX, LexisNexis and other secondary consumer reporting agencies. I have a right to privacy! You can not sell and provide false information about me. The defamation of my character and invasion of privacy has caused a lot of stress in my life. I am demanding that these fraudulent items be removed NOW!!
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (MI)

On XX/XX/XXXX I took out a Personal Loan with SoFi Bank for $ XXXX 11.99 % ( NO pre-pay penalties ), with auto-payments setup from my new SoFi checking account.. 
On XX/XX/XXXX I found a different loan company with a lower interest rate, 5.99 %. I opened that and then sent a large payment of $ XXXX for principal only on the SoFi Bank loan on XX/XX/XXXX, knowing my regular payment was being withdrawn automatically from my bank account a couple days later. Both payments were processed, posted and confirmations were received ( see below ) ). 
I then proceeded to close the loan. However, I found that SoFi only applied partial payment to principal, charged me {$170.00} interest fee and then re-amortized the loan. I received a new email on XX/XX/XXXX that my regular payment did not clear due to insufficient funds ( even though I received a text, email and account notifications that stated BOTH payments posted )?! 
I called on XX/XX/XXXX and spoke to the manager, XXXX regarding this matter. I requested that the {$170.00} be credited and applied as it was requested to principal only. He stated no, that is how they do it. This made no sense since I specifically asked if there were any pre-payment penalties before I agreed to the loan. I requested that my accounts be closed immediately. I made direct payoff payments to him. 
As of today XX/XX/XXXX, I went online and found that they again, re-amortized the loan causing me a new balance owed of {$.00}. Had I not checked on this today, I would have received a late fee and credit score issues. This since we supposedly closed the accounts ( as I requested on XX/XX/XXXX ). These actions by this financial institute could really cause hardship to consumers. XX/XX/XXXX XXXX, I called SoFi rep, XXXX XXXX She said she sent in a request to clear it but could not confirm.
Consumer complaint received 2022-09-21
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (WA)

Gemini cryptocurrency exchange [ https : //www.gemini.com/ ] offers a product named Gemini XXXX which promises redemptions to be available " ... in all cases our partners are required to return your funds to you within five business days. '' [ 1 ]. 

On XX/XX/2022 I submitted the following redemption requests : * XXXX ETH ( ethereum ) * XXXX XXXX ( XXXX ) As of XX/XX/2022 these have still not be returned to my account for withdrawal. 

I reached out to Gemini customer service and was pointed to [ XXXX ] that the company is choosing to no longer honor the XXXX business day XXXX for redemption. 


[ XXXX ] https : XXXX [ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-11-30
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: Bright Capital Inc (PA)

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NC)

I called prior to making a large purchase to inquire about financing and was instructed that 12 months interest free payment plan would be honored for apple products regardless of where they were purchased as long as they were purchased on the Goldman Sachs Apple Card. I was instructed to call back after purchasing the apple product from XXXX and they would convert it into monthly payments. After making the purchase I called in and was told they would not convert it into monthly payments. I asked to be transferred to a supervisor and was told the same thing. I believe there is a pattern to induce consumers to make purchases under misleading guidance from an Goldman Sachs employee.
Consumer complaint received 2022-07-28
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXXXXXX BalancedOwed : {$0.00}
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brown and Joseph, Ltd (TX)

Attempting to collect my social security XXXX XXXX  for my long term insurance company XXXX XXXX. I haven't received back pay and I have explained it to them but they said my benefits may be cut if they don't get the money. I don't have it. XXXX XXXX also suggested I get my wife an increase in XXXX so they can cut my benefits.
Consumer complaint received 2022-06-01
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. (MS)

In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX XXXX Account 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
Consumer complaint received 2022-11-30
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. (IN)

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 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 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 XXXX 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.