davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I applied American Express Delta Gold card with a promotion bonus of XXXX by a referring Iink. I confirmed with its representative on call about the promotion bonus in early XXXX before I started to use it. I was told very clearly I could get the bonus after I met the purchase requirement. However I did not received the bonus after I met all the purchase requirement within 90 days. Then I contacted the American Express by online chat. I contacted them many times. They told me they needed 60 days to finish the investigation to find the recording between I and the representative. 

I have contacted them again today and they admitted that the representative shared the incorrect information with me. But they said they would not take any responsibility to its agents ' mistake regardless the fact I confirmed with the representative about the bonus. Just sorry and apology. I spent so much time on this issue which made me disappointed and felt to be treated as nothing by the their costumer service. I hope you could review the recording and the chat history between I and American Express. Thanks!
Consumer complaint received 2020-07-05
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: TD BANK US HOLDING COMPANY (CA)

In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called XXXX  they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX  been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in XXXX  not XXXX.
Consumer complaint received 2020-11-14
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: EQUIFAX, INC. (MS)

On XX/XX/2020, I sent a letter stating that I had pulled my credit report and noticed errors that were reported by the company. I asked the bureau to investigate and send me an updated copy once their investigation was complete. I received no response and it is 3 months later.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

XX/XX/2020 I received a Debit Visa from US Bank Cardholder Services, XXXX XXXX XXXX, XXXX, IN XXXX. The paperwork that was included with the card provides a fee schedule for the Colorado Department of Labor and Employment and a pamphlet stating U.S. Bank ReliaCard Your reliable choice to receive your government disbursements. I am not unemployed and have not applied for these benefits. 

I have attempted to contact their Cardholder Services, but they are not available until Monday, EST. 

Please investigate this as fraud and provide a response to my inquiry.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, section 602, consumer reporting agencies like XXXX and XXXX must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent.

Additionally, 15 U.S.C. 6801 states that financial institutions have a continuous obligation to respect and protect the privacy and confidentiality of their customers nonpublic personal information. Under 15 U.S.C. 1681, section 604, consumer reporting agencies can only furnish a consumer report with the written instructions of the consumer. 
I do not consent to XXXX, XXXX, or XXXX sharing my information. Any previous consent, whether verbal, nonverbal, written, implied, or otherwise, is revoked. According to 15 U.S.C. 6802, subsections B and C, financial institutions can not disclose nonpublic personal information to third parties without providing the consumer an option to opt-out, which I was never informed about.

Furthermore, 15 U.S.C. 1681c, section 85, states that no consumer reporting agency may include any adverse information in a consumer report that is older than seven years, except for records of convictions. According to 15 U.S.C. 1681s-2, subsection 8, a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed in section 1681b. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. 
Under the Privacy Act of 1974, a charge-off is considered a certificate of indebtedness, which is treated as income and should be removed from my credit report. It is also illegal to report transaction history, so my credit report should be marked as paid as agreed. I intend to send a bill to each companys trustee for each violation, for the XXXX XXXX XXXX XXXX caused by violating my rights as a consumer under the Federal Credit Reporting Act of 1682.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells fargo deleted my online account without notice causing me to delay my payment again due to there long activation process for setting up a online account. This is causing me a inconvenience and having to mail a check delaying the payment I want to make on a specific date and time. This company has done this to me before and a complaint was filed here. Wells fargo has bad business practices and still continue to make things difficult for there customers.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was selling my items through XXXX XXXX. The buyer contacted me saying he wants to purchase my items. He asked me for my XXXX as it was the payment I usually make online transactions with. He sent me a screenshot saying he sent me the money of {$150.00}. Shortly after, I received an email from " XXXX '' saying my XXXX needs to be upgraded to a premium account. I didn't know that was such a thing at the time. The email said I need to receive {$350.00} more, in a total of {$500.00}, to make my account premium. He sent me a screenshot that he sent me {$350.00} through XXXX and that I need to send him {$350.00} through Zelle in order to have {$500.00} back from XXXX. Then, I got another message from the buyer saying he was double charged from XXXX and I need to send him {$500.00}. Then I thought something was off, called XXXX and confirmed that it was a scam. I have the screenshots of the email I received from him as well as the conversation I had. I currently filed a claim through XXXX and Zelle. I didn't receive the money back yet.
Consumer complaint received 2020-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thanks so much!
Consumer complaint received 2020-11-14
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: National Credit Systems,Inc. (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT SYSTEMS # XXXX
Consumer complaint received 2020-11-14
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I had an available balance of {$2000.00}. They offered instant transfer. As soon as I did that, it was delayed by 72 hrs. Paypal falsely advertises the instant transfer but does not actually provide it. They always seem to have an excuse to inhibit access to your money. No inhibitions exist on money going into PayPal but always, Always exist on any attempt to take it out.
Consumer complaint received 2022-10-11
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

Asked for information pertaining to the collection. Never received any info. The only communication made is between CFPB and them. They responded to CFPB and said they acted in accordance with the law. Not sure what that means. Anyhow, all I know is that they said the debt is from XX/XX/2017. I have no medical debt from 2017. They have not sent any paperwork for me to figure out what this is. If needed, I qualify ( qualified ) for financial aide for medical debt under income poverty but I dont know how to apply the aide to the debt since Financial Credit Network collection agency has failed to send me one document of info so as to clear this up.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I submitted for an SBA loan back in XXXXI finally got to the actual loan acceptance timeframe.I filled out the paperwork and submitted last week.I got an email from the SBA loan officer.He stated that I had 2 issues I needed to resolve,1 was to make sure my name I submitted for the loan was the same that Is on my bank statement 2 was that Experian was not giving my credit report to him and they were reporting that I was a minor. Im XXXX  yrs old, and I have to resolve that issue with them before he would consider me for the loan. Ive tried ever number they have and the whole system is automated I can not get through to any type of customer serviceIm calling social security tomorrow Any thing else I can do Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-14
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: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -MERCANTILE ADJMNT BUR # XXXX -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-07-05
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. (CA)

In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called equifax they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in Equifax not XXXX.
Consumer complaint received 2020-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.
Consumer complaint received 2020-11-14
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. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed because these accounts do not belong to me, Please resolve this matter as soon as possible. Thank you very much!
Consumer complaint received 2024-12-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I received an email from Best Buy ( CITIBANK ) regarding a purchase that was made that was potentially fraudulent. I also received emails regarding an update to my email address and phone number on my account. I clicked the button saying I did not make this purchase. Citibank then called me to start the fraud investigation regarding this fraud purchase that exceeded {$4500.00} on an account that I did not open up. I then worked with them to update my information back to my actual information ( email and phone number ). Investigation was opened, but Citibank is having a hard time figuring out that I did not make this purchase and this account was not opened by me.They are stating that since the account was created before this year ( I have only ever had one Best Buy Credit Card and this account did not show on my account profile until I had checked after XX/XX/XXXX ), they are saying that I am responsible for the payments. I would figure they could check and see what bank account is attached to the fraud account so they can locate who actually created this account using my information. The fraudster did not associate the new card with my actual bank account, so they do not have access to my bank itself, but when they created the best buy credit card fraud account they attached their own bank account so they could open the card. Citibank will not give me any information regarding the email address and phone number that the fraudster tried to update my account to, as well as the bank account associated with the fraud account.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Please see complaints : 1 ) XXXX XXXX ) XXXX Thirty-two days after I first reported an error on my credit report and provided extensive documentation supporting it, TransUnion has sent me a letter claiming my dispute/documentation is 'illegible ', so they are 'unable to process the request '.

I do not believe that any of the documentation I sent the consumer reporting agency was illegible, but I wanted to get a federal agency 's opinion.

Attachments : 1 ) TransUnion 's claim that the dispute was 'illegible ' ( apologies for the bad quality picture of the letter ). 

2 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent by certified mail on XXXX XX/XX/2023 ). 

Proof of delivery/return receipts are included in each document.
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Hello on XX/XX/XXXX I came across a twitter account with the name Lay_Gloski I have been trying to report her so they shut her down. She probably scammed a lot of people by blocking the victims right after receiving money. I genuinely believed she was actually investing money for us to give us back a larger amount. It was all a lie and I just believed it. She mentioned she was with XXXX and would be able to pay us more than we paid her since shes been trading with XXXX. After I sent her the money she asked. She blocked me and declined my money request, my bank told me they would start a claim but Im not sure how thats going to go as normally scam money doesnt come back.
Consumer complaint received 2022-07-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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