davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Thursday, XX/XX/22 I made a CASH deposit of {$1400.00} in a Citizens Bank ATM # XXXX located in the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, MA. 

I accessed my account with PIN, and selected Cash Deposit. The door for deposits on the ATM opened and I inserted 14 {$100.00} bills. The ATM took the cash and proceeded to count it. After a while, it rejected 3 {$100.00} bills, then one more, and after another pause a last {$100.00} bill was rejected by the ATM. 

I waited and got a message from the ATM that the deposit could not be processed, and I got a short printout that had : ATM #, Date, Card # and Location, and stated " Cash Deposit Your transaction can not be processed '' and " Please contact your financial institution '' THE ATM STOLE {$900.00} from me, Did not define my account number or the {$900.00}! I AM OUTRAGED BY THIS. 

Thank god I selected a hard copy receipt or I would have no evidence of this thievery or incompetence whatsoever. 

After 3 phone calls - the first 2 dropped out - reason unknown, I was able to file a claim, Claim # XXXX. On Friday, XX/XX/22, not trusting the local ATM, I deposited the balance of {$500.00} with help from a Teller. Shortly after the {$500.00} deposit, I went online to verify the {$500.00} deposit and saw that {$900.00} had been put in my primary checking account, dated XX/XX/22 and noted as Credit Memo and Dda Credit. 

No apology. Repeat : No apology. No email or other notification that the {$900.00} deposit had been completed. I'm starting to really dislike banks in this era.
Consumer complaint received 2023-03-18
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. 
I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. 
I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. 
I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. 
In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. 

Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. 

Best regards, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX, {$29000.00} Equifax : account number XXXX, {$11000.00} XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX by Equifax Account # XXXX High Balance:XXXX Last Verified : Date of Last Activity : XX/XX/XXXX Date Reported:XXXX  Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Merchandise was taken back by credit grantor, there may be a balance due Unpaid balance reported as a loss by the credit grantor. Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account # XXXX High Balance : {$11000.00} Last Verified : Date of Last Activity : XX/XX/XXXX Date ReportedXXXX Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account Auto Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX  XXXX XXXX : -- XXXX XXXX XXXX XXXX : -- XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Equifax XXXX : XXXX XXXX : XXXX XXXX : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! b. EXAMPLE : XXXX : {$0.00} XXXX : {$29000.00} EQUIFAX : {$11000.00} As you can see anything match on this account please verified accuracy.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; U.S POSTAL SVC FED, has violated my rights with an unauthorized inquiry on XX/XX/20 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 2022-07-13
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # 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 2022-06-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX account #, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX account # 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
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time XXXX XXXX XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX  she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX  XXXX ) received that letter with certified returned receipt : XXXX on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 

TRACKING NUMBER : XXXX
Consumer complaint received 2022-07-18
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)

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX   XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete account listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX  Closed Acct - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, account status and history not accurate- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am writing to formally request the blocking and deletion of several accounts from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are to be blocked and deleted from my records : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$31.00} XXXX. XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$270.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$360.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Additionally, I would like to address the following inquiries on my credit report : XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX
Consumer complaint received 2019-11-02
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX, the Creditor cant produce the original contract WITH MY SIGNATURE, has not supplied insurance claim, payment history, proof that debt belongs to me. They sold my personal information to a collection agency without my approval or consent. IDENTITY THEFT. 
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, account status, or charge-off. Everything being reported DOES NOT MEET THE FCRA Laws. 15 USC 1692 ( g ), validation of debts.

It has been more than 30days, so they are NOT IN COMPLIANCE. According to FCRA laws, this account must be removed/deleted. 

Please delete this account from my credit report.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (GA)

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 these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX* Balance : {$8300.00}
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive tried to get my three credit reports from annualcreditreport.com but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - XXXX mailed a credit report print out - XXXX mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - TransUnion never sent a credit report
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

Hi, on XX/XX/XXXX I deposited my retirement check into citibank ATM machine around XXXX, desperately needing my money to pay past bills in the amount of {$9900.00} ATM id # XXXX, united states treasury check. Then following Thursday it was clear, so I started paying lots of my bills including my rent, around the six bill I was paying with my debit card, I started having problems paying. So I tried going online like I do it was shut down, so I called citibank they told me government check was being investigated for fraudulent looking, lol, unbelievable so they said they had to close my acct and in 45 to 60 days they would send me a check under there company name.