davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

XXXX XXXX- I opened the Citibank card and initiated two balance transfers from my XXXX credit cards totaling {$3200.00}. About two weeks went by ; I had received my card, activated it, yet on the app, both transfers were still showing as pending. I've never had a transfer take so long so I called to make sure they were going through. ( I think this was XXXX. XXXX. ) I was told by the rep they did not go through. I then said, " Can I cancel those two transfers then and just do one transfer because things have changed in two weeks. '' She said yes and helped me do just that. I canceled the two transfers totaling {$3200.00} and just did one transfer for {$5000.00}. I even asked AGAIN, " You are sure those two will be canceled and only the ONE transfer will go through '' and she said yes. 

Two days later, the first transfer went through, and it snowballed to all three going through, now totaling {$8200.00}, along with extra fees. I called again and I was clearly upset and asked to be transferred to a supervisor. The rep said " If I transfer you they will tell you the same thing. '' I did finally get a supervisor, or at least I think I did. She researched my issue and called me back after an hour or so. She ASSURED me AGAIN that she would handle and the first two transfers would be canceled and just the one transfer of {$5000.00} would go through. Well clearly that did not happen and now, as of XXXX XXXX, I have two credits on my XXXX cards : One for {$2700.00} and one for {$130.00}. 

I called Citibank a THIRD time XXXX XXXX. She basically said my ONLY option was to go through XXXX and get the credit from them to pay off Citibank. She also said she would waive ALL transfer fees. I repeated, " This call is recorded, right? '' She said yes. I said, " Then I am saying out loud again for that purpose you are waiving ALL balance transfer fees and I need to go to XXXX to get a refund and can then pay off Citibank with that money. '' She said yes. 

I called XXXX and now I have ONE check coming to me totaling {$2700.00}. I have no idea if this is really fixed. It's way too stressful and should not have taken this much effort.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (VA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV INC. (CA)

I believe I and my aunt, XXXX XXXX, are the victims of identity theft. TRS Recovery Services, a Georgia business, has contacted me repeatedly regarding an XXXX transaction for {$29.00} entered into by my aunt. I had nothing to do with the transaction, I but received several notices from TRS as a collection agent. I disputed the charge twice by letter, but TRS continued to contact me. We called to dispute, but TRS did not desist with collection notices. My aunt then paid the claim to make it go away, and then her bank account information was stolen and used in many foreign countries the same day. I have copies of all letters from TRS as well as proof of payment ( even though we disputed the claim ). I can provide all the documentation. I believe this company fished for my aunt 's bank account through a transaction on XXXX that I had nothing to do with and then stole her identity. I would like TRS to stop contacting us, especially since we paid their false claim even though we did not owe it, and not harm my credit history at all. I am only XXXX years old and did not have anything to do with any XXXX transaction and don't wish to have my ability to obtain credit in the future harmed in any way. Please let me know if I can email or fax all documents to you.
Consumer complaint received 2020-01-23
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: TD BANK US HOLDING COMPANY (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX  and XXXX  allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted XXXX points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow XXXX car purchase inquiry turn into XXXX individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take XXXX points off because of XXXX inquires and when they finally came off I got XXXX points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (SC)

I have been trying to buy a home since XX/XX/2022. Equifax is not allowing my lender to pull my equifax report. I have updated my address disputed my sons social security number from showing up on my equifax report and nothing has been done. My lender is receiving an alert from equifax when they try and pull my equifax report and its stating fraudulent the consumer report youre trying to access has been identified as fraudulent. Its prohibiting me from buying a home for my family. I need it taken care of as soon as possible.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (OH)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$300.00}
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NY)

They stole my money my opening deposit and lied to me and said they would mail my debit card I havent received anything from them by mail as promised and when I call they refuse to tell me why my account is blocked they wont tell me whats going on by mail or phone how is this fair
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

This bank is crazy has nothing better to do than be bothering me I was declined initially for my freedom card their executive office got the account opened with lending since my credit was not established enough but it got approved then I get notice after they mailed me my card how is this fair what their doing is illegal I started using my account ans they mail me letter closing my account for the same reason as they insitallt declined my application telling me my credit history is too short when I have a paid auto loan and this is why I got approved their crazy they closed my card for the same reason they didnt want to approve me for credir reasons and its not negative my credit history is too short for them when I contacted lending they told me they want to reinstate my card but havent
Consumer complaint received 2020-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (WA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-13
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$5900.00}
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

Please remove all Freezes and Fraud Alerts from my file. I have attached my ID and Mailing address as well. I am trying to buy a car this month and I need ALL Freeze/Blocks/Fraud alerts removed ASAP.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Every year around tax refund time this company starts calling trying to collect a debt from over 15 years ago that is not my debt. They are now calling for $ 700+ owed to Capital One for an account that is not nor has never been mine. 
Date started calling this year : XX/XX/2020 Time : XXXX cst Phone number called from : XXXX I stated this is not my debt and I do not owe to Capital One. I said I track all my accounts carefully and monitor my credit report weekly. Please do not call me again.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Good Morning, Reached out to XXXX XXXX  XXXX XXXX , Company shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Consumer complaint received 2022-10-13
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. (SC)

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON EQUIFAX, XXXX, AND XXXX.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I been havinghard time bieng unemployed after falling down in XXXX XXXX, Utah XXXX  XXXX  on XXXX XXXX.And Utah law says i must work for XXXX  to get pay check.But as doctor state 's i not supposed to reach aand not pick up over 10lbs.XXXX   employees ast managers always making me do more then i waas capable with my XXXX XXXX in XXXX XXXX XXXX XXXX XXXX.But i quit XXXX XXXX trying to get money from workmen comp.I was refused by Utah State says i must work for XXXX  an do what ever kinda work i need too.Buy i can refused which i did just quit.My last was on XXXX XXXX and it was Weds.XXXX XXXX was my Day-Off and i was sore i just went in got hold of Ast Manaager XXXX i told her i quit it was XXXX XXXX Friday. But anyways Capitialone i i got credit card with them an i always made payments on time, from bank transfer to make payment was Due on XXXX of every MonthXXXX XXXX i didnot have payment.So Capitalone didnot even give me achance to make payment on the XXXX due date.Capitalone Charge me {$25.00} late fee of XXXX XXXX plus interest fee's.So i was going to pay on XXXX XXXX and Capitalone wants me to pay {$67.00} for late fees and interest fees.I didnot even get Grace period .Same day my pament was due! I got hit with {$25.00} late fee to mess up my Credit Report again through XXXX  my Score went down some more.
Consumer complaint received 2020-01-23
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. (MD)

I have sent dispute letters several times and made a complaint with the CFPB about a chapter XXXX on my report. XXXX has removed my bankruptcy from my file Experian stated they verified bankruptcy thru XXXX. Please remove the bankruptcy immediately I have included the letter from XXXX
Consumer complaint received 2021-06-23
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)

To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX