davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (RI)

This is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. I will be filling another complaint for XXXX XXXX  also. Here 's what the original complaint stated. Thanks The consumer filed a Balance transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX XXXX  account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XX/XX/2020 The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX  says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I started this new complain as CFPB closed last complaint against Equifax misleading false procedures allowing scammers to report fraudulent credit slandering reports against me and not meeting the requirements I believe they are to adhere to, making misleading statements and incompetently and continuously allowing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX report XXXX and fraudulent negative credit reports against me without proper investiigation.Ive asked them countless times to remove they're fraudulent scam reporting against me, and they " claim '' they're going to do an investigation, which implies independent demand for all document, proof and validation I've many time insisting on per the simplest of my rights under FCRA, however I found out after numerous times even demanding my rights be respected and they do what's required of them properly, that they only ask scammers if what they report is true, then just take them at their dishonest word and falsely stated they've verified the accuracy and that's mind-boggling incompetently and misleadingly false.Theese scammers have never shown me, Equifax or any credit agency or agencies what they are required to do, which is to provide dumentation, proof, and validation.Furthermore they ignored all rules regulations, my rights, and obligations and responsibilities they are required and mandated to adhere to damaging me greatly.Therefore I insist on Equifax to respect my rights and do their job properly and require Credit Control XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX copy XXXX XXXX proof, and all validation I demand under the simplest of my rights per FCRA as they should know, as they never shown me, any credit reporting agency or any agency their required to do, instead of asking these scammers only, if what they're fraudulently reporting against me is true and accepting these scammers words for it as thats a highly incompent way to investigate but that's what they do sadly and I expect them to properly demand all documentation, proof, and verification to Equifax and to me as their predicated and required to do and I expect Equifax to honor this most simplest of my rights.When they fail to show as I know they never have shown and can't show to anyone any proper documentation, proof, validation my rights demand, as its impossible to show something that doesnt exist and is a scam perpetrated against me, and I expect for Equifax adhere to my rights and remove this scam if they have any professionalism or integrity and do what they are required to do.Thank you, I expect full removal of XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX they XXXX XXXX provide the proper documentation, proof, and validation I not only have a right to demand under the simplest of my FCRA rights.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX / XXXX / {$12000.00} XXXX XXXX XXXX / XXXX / {$3100.00} XXXX XXXX XXXX / XXXX / {$750.00} XXXX XXXX XXXX XXXX XXXX / {$1800.00} XXXX / XXXX / {$3700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXX XXXX Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX bank BofA and XXXX XXXX XXXX XXXX are not crediting account!! 

XXXX. Needs credited. 
All charges to XXXX also and food for less. 
XXXXXXXX XXXX XXXX XXXXXXXX. Was Was stolen in XXXX 
And XXXX. To XXXX XXXX XXXX told me to take XXXX  to court. 

XXXX company charges need credited too. Please!! 
And all XXXX charges need credited!! 
They are all fraud claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Number sorry.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I have tried to do a puppy purchase through XXXX and I got one breeder who scammed my money XXXX $ and When I called bank they are asked to call police department and they are redirecting to bank or attorney. Still he is in contact with me and trying back to do one more scam. I have their phone numbers and email id with me XXXX they are calling with and also this number XXXX. If you track them it will be helpful to stop so many scams. Also they have an email id XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX XXXX XXXX - XXXX 1. XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX  XXXX  XXXX  has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 

Name of Bank : XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates
Consumer complaint received 2022-04-12
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. (CT)

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 because its holding me back from getting approved for a car .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. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-03
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. (FL)

ON XX/XX/XXXX. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to XXXX XXXX XXXX. I didn't not consent, authorized, benefit, apply to nor use XXXX XXXX  programs or products. I have reached out to XXXX, XXXX, and Experian about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # XXXX.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX, XXXX XXXX, 2021, I closed on a refinance with a local XXXX union. My original mortgage was owned and serviced by Suntrust Bank ( or now known as Truist Bank ). I decided to move from Truist Bank to the local credit union due to the credit union having better rates and service. This credit union disbursed and paid out the rest of my loan balance with Truist Bank  on XXXX XXXX XXXX, 2021. 

Prior to the closing and refinance on XX/XX/XXXX, I called Suntrust to inquire about how an escrow balance refund was handled. My escrow contained roughly {$XXXX} at the time. The Suntrust officer reassured me ( via phone ) that the escrow balance would be refunded in full within XXXX days of the closing date- with the amount being mailed as a check to my home address on file. 

I called Suntrust  again on XX/XX/2021 to notify them that I had still not received my check in the mail, and to request a re-issuing of the check. The agent on the phone told me that the previous agent was incorrect with the supplied dates, and that I would need to wait until at least XX/XX/XXXX before the bank would attempt to re-issue a check. I also suggested to the agent that they could cancel the check that was supposedly sent, and instead, I could come into a branch with ID to physically pick up a check equal to my escrow account balance total. That was denied. I also asked if the check sent had any tracking information on it, so that I could at least know when to expect it ( or report it lost in transit, whenever necessary ), and that was also denied. 

At this point, it has been over a XXXX since my refinancing and closing date with another institution. I no longer have an account with Suntrust / Truist Bank, and can no longer use my previous accounts with Truist, as they remove access once the loan amount is paid off. I don't have access to the money that was in my escrow account at Truist, I am denied any requests to re-issuing a check, and whenever I call the Truist help-line, none of the agents are able to tell me where the money is or how I can get it. They just tell me that I need to wait until an ever-changing amount of time has passed before they restart the process over again.
Consumer complaint received 2022-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

My mother is being scammed by a romantic scammer. He claims he loves her and will come visit her, marry her and make all her troubles go away. Her husband was in the XXXX XXXX for 20 years and he passed away XX/XX/2021. Her son passed away XX/XX/2021. She has medical issues along with XXXX. I have reported this to ic3.gov several times but haven't heard any thing from them. I think he has cleaned 1 of her accounts completely out, I'm not sure how much money he has scammed her out of in a month but it's been couple XXXX dollars.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WA)

i enrolled in overdraft in XX/XX/2022 for the purpose of mid to end of the month crisis like needing food ( medication must be taken with food or i experience serious side effects and without food i cant take my medication. i attempted to make a small purchase of some food at XXXX XXXX and my transaction was rejected, this has happened every month. their rules say it can be used up to XXXX per business day., i have only used it ONCE this month and they claim that it was because of my history, well all my debits are always covered by a direct deposit on the XXXX and XXXX of the month, there is no reason to deny this, they say its at their discretion i disagree i say they are discriminating me for not being rich. after talking with many former chase customers i found that this is a common practice for chase bank to treat rich people good and poor people are treated bad. just because i am XXXX on low income ssi does not mean i should be treated any different than the millionaire. but i am and i have had enough, this has happened every month for the past several months. when i 1st signed up for overdraft i was able to use it to the limit as per their rules but now i am not, i am being discriminated for being poor!!! they refuse to honor their written limits on overdraft., my balance is less than {$50.00} overdrawn and i should be allowed to make at least 1 more and it will be coverd by a direct deposit on the XXXX. I HAVE BEEN STARVING FOR THE PAST SEVERAL DAYS AND HAVE NOT HAD MY MEDS!!! this is the fault of chase bank for rejecting my purchase and i want this unfair practice to STOP!!!!!!!!!!!! 

phone number required so i provided it but i dont answer the phone I AM XXXX! email response only please!
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I went to pay my rent at ACE Cash Express, I handed the clerk {$1000.00} dollars cash. The {$900.00} for rent payment and the service, The rent was not all pay, nor did I get the service fee and correct amount. The clerk at ACE Cash Express did not submit correct amount of money after giving her {$1000.00} cash to pay {$900.00}, rent fee. 

Once I realized she did not put the correct amount I did realize the error until my property manager contacted and informed me of the {$400.00} dollars shortage and that I did not get my correct change from the transaction fee. 

I am very upset that ACE Cash Expree, caused me to get a notice of eviction, and late fee! I request that the drawer be counted and was denied. I also requested to file Complaint with Federal Trade Commission, Elder Abuse at time of transaction. 

Thank you your prompt attention to this urgent problem!
Consumer complaint received 2023-05-09
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. (IN)

These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XXXX EQUIFAX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX at XXXX, I deposited {$670.00} into an ATM and the closest Bank of America that I was next to. This was in XXXX, Arizona and Rural and Baseline Bank of America. When I deposited the cash, the atm printed out and error message saying the atm was out of order AFTER I used it. There were no signs on the atm and the atm itself did not have any error signs prior to my usage. After I deposited my cash and the error message was displayed, it printed a receipt with the error code however I did not revive my cash back. The cash also was not deposited into my account. The next day I woke up and found out that my account had been terminated and was not given any further reason when I went into the bank asking what occured.