davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$77.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$580.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original creditor : APP XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (VA)

In accordance with the fair credit fair credit reporting act : XXXX, XXXX -ACCOUNT # XXXX XXXXXXXX XXXX XXXX  -ACCOUNT # XXXX XXXX XXXX XXXX, XXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2021-08-04
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: U.S. BANCORP (MO)

US Bank, a large national bank contacted a primary account holding on a checking account in XX/XX/ 2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners.

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

The problem is from XXXX. 
We have this Macys account with a balance of {$900.00}, my husband issue a cashier check for {$900.00}, and it was applied to the account. According to Macys the payment was reversed and the cashier check returned, but it was not returned to us. I have a receipt of the payment and letters sent to Macys, while the research was going on, I continue paying the account up until XXXX and then Macys placed a derogatory in my credit report. 
I called Macys corporate and according to them, they are not handling the account anymore, and can't do anything about it, Macys will not tell me who I need to talk to and resolve this issue. 
Cashier check issued on XX/XX/XXXX ( I have receipts ). 
XX/XX/XXXX sent a fax to Macys payment research dept. 
XX/XX/XXXX Macys sent a letter that they were investigating and will notify with the resolution. 
XX/XX/XXXX Macys sent another letter to contact customer service. 
We have make lots of calls to XXXX talked to different persons and recently to XXXX. 
Hopping it will be finally resolved.
Consumer complaint received 2022-06-23
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. (TX)

Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response. It has been well over 90 days and these inquiries remain on my credit profile causing me problems on trying to acquire credit in my name. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA ( Fair Credit reporting act ) 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately! I believe Equifax is ignoring my letters for these inquiries.I called the below creditors and they have NO proof I initiated such inquiries, nor writtenauthorization please delete these inquiries off my credit profile it has damaged my character long enough.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

I have a new account with Venmo. I have made my payments in XXXX of {$150.00}, {$200.00}, and {$500.00} dollars because I have been using my venmo card and I was paying down the balance. I have used my checking account to make these payments and all payments minus the {$500.00} payment has directly went to my card. I made the {$500.00} payment on XX/XX/XXXX and it still has not shown as credit on my card, which means I am still paying interest on items that I should have paid off. It also means that on the XXXX the payment cleared my checking account so they have gotten the full amount but still have refused to apply it to my credit card. When I called Venmo they said they can't do a thing. I asked to speak to a manager and they put me on a 45 minute hold until I finally gave up. I have written to them and asked them to release my money to my account and they said I only deposited {$300.00} dollars and it was released, when my banking account and my credit card account both show {$500.00} payment. I have tried multiple times to have them release my money onto the credit card account they refuse to.
Consumer complaint received 2022-06-23
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 Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX  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 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2022 a transfer of {$14000.00} was done from my saving account to my checking account in Wells Fargo, I was notified XX/XX/2022 in Wells Fargo Bank in XXXX XXXX, XXXX, Fl that this transfer was done via phone call. The teller of the bank notified my that there were some charges in my checking account in the XXXX, Tx area done XX/XX/2022 up to {$7600.00} and that the pin number of my debit card was change. I called the costumer service from my office number, because my cellphone was not working and they couldn't help me in the branch, I notified them that the transfers or/and the charges in Texas were not mine, the bank froze the account and open an investigation that lasted 10 business days ( 2 weeks ) and they concluded that there wasn't any fraud indication, even knowing that the branch manager or the Wells Fargo in XXXX Texas XXXX XXXXXXXX XXXX contacted me and let me know that a woman came to her bank with a Florida Id and attempted to withdraw {$4000.00} from my account, but she denied the withdraw when she noticed the unusual charges done that day ( XX/XX/2022 ) and she wasn't able to answer some questions correctly. My online banking sent me emails that the password has been change I called the bank again and notified them that wasn't me to please XXXX everything. I also had a separate issue were a XXXX XXXX credit card was open and charge with {$3800.00} and I am unable to open a police report here in XXXX, Fl or in XXXX, Texas because I need a fraud affidavit from the bank which would not be provided. In conclusion, the bank failed to secure my money, didn't notify me of unusual charges in a different state and I lost {$7600.00} and the bank is not taking responsibility and is victimizing even more a victim of Identity theft and bank fraud.
Consumer complaint received 2022-01-13
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

My car rental company processed a refund to my Debit card, however, they sent it it to my original debit card which was closed due to fraud. So the bank issued me new debit card number, but still tied to the same checking account. The refund was processed on XX/XX/2021 under XXXX : XXXX. To this date, my bank, HSBC USA has not found the money and they have not credited my account. The car rental company says they sent the money under that XXXX, and Bank doesn't know how to look for the transaction. They have given me the run around, they are too busy, it's XXXX, it's XXXX, it's XXXX... everyday there is an excuse and I'm tired of it. 

Here is the confirmation I have from XXXX Car Rental : From : " XXXX '' XXXX Date XXXX Wednesday, XX/XX/2021 at XXXX XXXX  To : XXXX XXXX XXXX : Re : FW : Your XXXX  Invoice XXXX from XXXX for I. XXXX Dear XXXX XXXX, Please accept my sincere apology for the delay in response from XXXX and XXXX. I will certainly further address. 

I have checked with our accounting team and they have confirmed that the refund was processed to the form of payment on file, Visa ending in XXXX on XX/XX/XXXX in the amount of XXXX XXXX. According to documentation your banking institution accepted the refund. With this being said I kindly ask that you partner with your banking institution and provide them the following confirmation code of your refund : XXXX  : XXXX. 

Should you have any further questions or concerns feel free to reach back to us.
Consumer complaint received 2022-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BK OF AMER Account # XXXX Date XXXX Balance : {$540.00} I never had a late payments.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

Ive been with Netspend for many years going into my mid XXXX I have noticed for the last couple of years of XXXX and XXXX they will hold your money XXXX. 

Their advertising says two days before payday this is not true for customers that have been with them over the years falsely advertising. Its seems as they change banks its different rules. I have a dispute were I was scammed into paying someone {$150.00} by cash app for service, I got their names all phones numbers and receipts and social media handles that was on XX/XX/XXXX that I officially reported it also did a report to the state. 

It is XX/XX/XXXX XXXX XXXX  1 day before my direct deposit from my employer and I cant even get that. But its get paid two days before payday again false advertising. 

I have been pleading with Netspend to at least give a provisional credit until the investigation is over they will not budge. Save your self a headache and just deal with regular banks at least you know your deposit is on time. Dont schedule bill payments based off their promise of early deposits. 

No need to recommend I reach out to you Netspend I did all of that through email, account and phone.
Consumer complaint received 2022-11-15
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: Cascade CISS Holdings, LLC (NY)

I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are AVANTUS AND XXXX XXXX  XXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (NJ)

This is a complaint from a consumer natural person pursuant to the Truth in Lending Act ( XXXX XXXX XXXX ). On XX/XX/XXXX of XXXX, XXXX XXXX denied my consumer credit application for an INDIGO XXXX XXXX. This adverse action is a direct violation of the Equal Credit Opportunity Act ( XXXX XXXX XXXX ( XXXX ) ). I the consumer and applicant in good faith exercised my right under the Consumer Credit Protection Act. Because XXXX XXXX wrote the XXXX discrimination disclosures at the bottom of the letter, it shows that they knew of my rights which means they knowingly and willfully abused and damaged my life by being non-compliant thus making themselves civilly liable. Lastly, i have attached a photo of the approval requirements stated by XXXXXXXX XXXX  themselves. None of those requirements are mentioned in the reason given for the adverse action. " Recently opened Milestone account '' was not disclosed to be means for disqualification. I really don't understand how XXXX XXXX could think that consumers aren't credible for their own credit when banks don't loan money pursuant to XXXX XXXX XXXX. Especially since they are XXXX insured. What money are they expecting when the United States is responsible for debt obligations and bills of credit which means I have perfect and unlimited credit. This type of practice undermines public confidence in the banking system. I am the authorized representative of my trust account also known as principle also known as priority exemption prepaid account. Seems like XXXX XXXX is in the business of identity theft by pulling credit and getting paid with no equity given to the consumer. This noncompliance needs to stop because if they are doing this to me, I'm sure they will do it to other consumers.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-06-23
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to Privacy XXXX dont want this account reporting on my credit report. 

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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.