davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Macy 's failed to post refunds made in XXXX, although I received return reciept confirmation on email as well as online Macys account. I followed up multiple times ( every few weeks since XXXX ), was transferred thru multiple departments, but instead of resolving their internal warehousing issue ( accepted by them on the call ), they failed to report/post the refunds to the Amex card I had with them. The balance was grossly incorrect, very high, as I had returned all items except XXXX that I kept. For this reason, I was not comfortable to pay the incorrect balance due. Amex charged me interest on the wrong balance and multiple late fees, instead of resolving the refunds due. I was made to talk to multiple departments, including online payments, collections, credit services, and repeat my case details over and over again. None of the agents tried to resolve effectively and would transfer me over to the next agent frequently. Since XXXX I have had XXXX such calls, each over 90-120 minutes, at the cost of my work and family time and mental peace. Each time, they would take just one small step towards resolving. First time, they said they will refund in 14-21 days, they didn't. I followed up, they said they will manually enter the refund in the system and report it to Amex and remove the late fees and interest, and though they completed the refund, they failed to report to Amex and remove the unnecessary late fee and charges. Today, after following up, they removed the late fee and charges, and still looking into the incorrect calculations. After multiple rounds of conversation, they took my request to dispute the incorrect remaining balance. They said it will still take 1-2 billing cycles for the charges to drop off. This has affected my credit reporting, it has dropped around XXXX points from XXXX to XXXX over past couple of months. I have maintained a very high credit score by being diligient and timely in my payments and yet, because of an internal issue of Macys and lack of department coordination, my account was sent to collections, resulting in a huge drop in credit score. It is absolutely criminal of Macys and Amex to allow failure on their part to hurt my credit score, which I have worked so hard for 6 years to get it high and clean. I was denied a rewards credit card yesterday because of the negative remark on my credit report. I fear that my score will further slip if there is no proper investigation, and affect any future loans and credit lines I might need. 
I need Macys and Amex to resolve the matter quickly and I need justice over this deliberate mismanagement of my refunds and credit. I have spent over 8-10 hours speaking with them, time I could spend with my XXXX and my well being.
Consumer complaint received 2022-06-25
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. (NV)

XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.
Consumer complaint received 2022-06-25
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. (NY)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Experian AND XXXX are both reporting completely different filing dates, closing dates and court names for chapter 13 bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : Experian- XX/XX/XXXX XXXX  XX/XX/XXXX Closing date : Experian- XX/XX/XXXX XXXX Court name XXXX Experian- US BKPT XXXX TN XXXX XXXX FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (MD)

I applied for the SoFi credit card in XXXX of 2022 with a promotional offer of spend {$1500.00} and get XXXX points. I completed the minimum spend requirements before the month of XXXX was over and never received my bonus points. Now, when I called in to fix the issue they are telling me I also have to fund my investment account and checking account with them ( basically, describing a different offer than what I signed up with ). They told me over and over again that the algorithm would give me the points when I completed the requirements. I continued to let them know I completed the requirements and did not receive the points.
Consumer complaint received 2022-06-25
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. (IL)

XXXX accordance with the Fair Credit Reporting act 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 2022-06-25
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. (IL)

XXXX accordance with the Fair Credit Reporting act 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 2022-06-25
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. (NY)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was the victim of Identity theft and had several accounts opened or attempted to be opened in my name using my personal identifying information. I have since added fraud alerts to my credit reports with XXXX, XXXX and XXXX as well as filed an identity theft report with the Federal Trade Commission. The accounts in question have been removed from my credit reports by the original creditor XXXX and XXXX yet the collection agency LVNV Funding XXXX Resurgent Capital Services is still attempting to collect on them despite my repeated attempts to resolve this matter. I have since disputed the accounts with the three credit bureaus and explained the situation and included Identity Theft affidavits as well as letters received from the original creditors. Yet, LVNV Funding is still trying to collect on accounts that were fraudulently opened. I need this matter resolved asap or I will pursue legal action for damages against LVNV XXXX Resurgent.
Consumer complaint received 2022-06-25
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. (FL)

In accordance with the fair credit reporting act accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 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 2022-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: INTERNATIONAL BANCSHARES CORPORATION (TX)

On XX/XX/2022 I went to the ATM machine to check on my balance and I got a slip with a positive balance of {$1.00} and change... So since I got a positive balance slip I decided to get my overdraft courtesy of {$500.00} dollars and then I got a negative balance slip which I understand plus a fee of {$35.00} of which I understand but what I don't understand is why I got XXXX more overdraft fees the next day If I thot all my transactions were paid since I got a positive slip and also in my PC online banking gave me a positive balance. And this has been going on for XXXX I have been a loyal customer for years The response I get from XXXX is we can only help you with XXXX XXXX fee every XXXX XXXX Thanks
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX AND TRANSUNION IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

Ive been with Truist for 6 months, over this time, I have been a victim of bank fraud. My situations go from being double charge to every merchant I have bought from for an entire week, cash and check deposits not reflecting on my balance AT ALL, my balance constantly changing despite not using my account, and my debit card being declined despite having money in my account. 

I lost my job of 10 years this last XXXX and we have been cutting things extremely tight because my savings from another branch is what me and my family have been living on. Thankfully, I received an amazing job offer and started working last week. I have been pinching pennies to get to work for gas seeing that I live XXXX miles away from my job. I went to bed last night ( XX/XX/2022 ) and had {$170.00} in my bank account. When I woke up this morning ( XX/XX/2022 ), there was only {$91.00} there. When I called Truist, they told me that my balance was never {$170.00} and implied that I was lying. I look at my account obsessively, especially since I havent been working as usual. I just dont understand how almost {$100.00} can go missing and no trace of it be left. This happens to me repeatedly. Whats odd is that when I had over {$3000.00} in my account, my account was never tampered with. But now that Im rebuilding, its constantly gone and Im not believed because Im looked at as broke. I bring in almost {$5000.00} a month, I will NOT be broke for long and my life will be back on track. This is an evil thing to do to a single mother with XXXX kids. I want my money back that keeps disappearing and then I will be removing my assets and changing financial institutions. I need an advocate because everyone at this bank looks at me like Im lying. Why would I lie over {$80.00}?? Wouldnt t
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: Experian Information Solutions Inc. (MI)

Experian has defended to investigate XXXX XXXX XXXX that starts with XXXX. they have been provided with the correct documentation in the mail, have received the CFPB report stating it was removed, received a XXXX XXXX paperwork stating it was removed, recover the XXXX paperwork stating it was removed and personally had me call requesting removal off account. Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report has been one of many violations as they have also failed to resolve the issue within the first 30 days this dispute was first sent. This is now day 90 with no resolve to the issue and refusal to investigate accurately.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}
Consumer complaint received 2022-06-25
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. (GA)

I contacted Transunion about inaccuracies on my credit report regarding XXXX  XXXX XXXX and TransUnion sent me a letter that they verified the account. TransUnion has not given me the information I requested on the verified documentation and how can it be verified when on the credit reporting agencies the last activity and close dates do not match each other. The XXXX XXXX account Transunion claimed they verified has a closed date, last activity and company name that do not match. The two ( 2 ) XXXX XXXX accounts have inaccuracies with payment history, closed dates, and last activity. It is the responsibility of Credit Agencies to report accurate information.US Dept. ED/XXXX  XXXX has inaccuracies with payment history, closed dates, and last activity. Transunion has not done its due diligence to ensure the accuracy of the information they publish on my credit report. In addition to the inaccurate accounts, Transunion is also reporting hard inquiries that are not Metro 2 Compliance and they do not have my permission to report these erroneous items : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. I sent Transunion a letter requesting the information be investigated over 30 days ago and I have not gotten a response of any kind. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has an automated system to add an unauthorized payee ( new Wells Fargo credit card ) to your online checking account bill payment function each time you get a new credit card. This happened most recently to me on XX/XX/22 but has happened previously in the past several months. I made at least XXXX complaints to Wells Fargo including their executive office ( XXXX ) but they have not resolved this issue by removing that automated feature. Besides being unauthorized ( and possibly illegal like those unauthorized accounts Wells Fargo set up in the past ), the automated feature is inconvenient because I have to manually remove the payees, and it creates the risk of unauthorized payments. This does not help customers either because they can use a transfer function to make Wells Fargo credit card payments and don't need this automated feature.
Consumer complaint received 2021-10-01
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. (CT)

I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX