davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Block, Inc. (AR)

On XX/XX/22 I booked an hotel and checked out on XX/XX/22. I contacted the hotel and they stated the release has been lifted & the funds shouldve been returned by now. I contacted cash app on XX/XX/22 at through out the day on chat and then by phone at XXXX and I were then left in a incomplete chat and then phone call I were left on hold and kept being asked to hold for close to 45-50 minutes for the cash app representative to repeat where they left off in the chat of asking me to supply the receipt from the hotel of XXXX. I gave them what the hotel supplied me and they refuse to settle the hold on my account because it does not have the last 4 of my card number on the XXXX receipt. Then also complained about the receipt legitimacy of the logo of the company. In which I feel accused of wrongly submitting a document that they refuse to verify with XXXX and ask for their own copy to determine legitimacy ; instead making me as their customer out to be wrongfully accused. The hotel also stated that they have no control over the receipts of the company supplies to its customers & they too have to abide by HIPAA compliance by not supplying generated receipts with sensitive information on them. Also Cash App advertises that 1 - 3 business days is the time where transactions is then returned. I have been told by a cash app representative of 14 days in which under the screen shots I have supplied it clearly states 1-3 days. Cash App is falsely advertising on their processing with their bank, no bank has ever asked me to provide receipts when I visually used their card to purchase, then after supplying the receipt its told its missing information/invalid when no one but XXXX company can decide what their receipt says/are the only ones that can validate their customers stay. Cash App stated they are refusing to settle my refund & stated they will take longer to process. This is unrightfully holding money of customers and should be investigated ; with poor service. Also advertising conflicting criteria to its customers.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this Credit Company is 40 points lower than the others because of this problem.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (TX)

On XXXX I received a credit monitor alert from my monitoring service for Enhanced Recovery Collection original creditor is XXXX XXXX, With Date started as XXXX, I attempted to called them to stay on hold numerous of times nobody knows anything, I got someone to give me more information after requesting a manager or supervisor. I File a fraud claim with them they gave me number to XXXX i call unsuccessful but i have since file to online disputes of Fraud, They gave me the service address which i have never been affiliated with, nor even know anyone that is, 8 states over. Its a hassle to get XXXX on the phone 3 days i keep getting put on hold 1.5 hrs one day 46min next day, I just need this info off my Credit ASAP, I never received any Phone calls or Emails or Letters about this account, It just mysterious appears on my Credit Report one day. XXXX to XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX at XXXX I received a text regarding fraud on my Chase Bank account. I did not authorize it & received a message stating my account was restricted and a call would be granted. Received a call from XXXX & it was a guy stated he worked for chase fraud dept and asked all the verifying information. He stated that some one was trying to wire {$8000.00} to them in XXXX & I confirm it was not be. He then stated that someone attempted a XXXX transaction & asked me to open that part of my account & told me that I need to send {$500.00} to chase bank with a code in the memo. I said no I can't & he stated you will get the money back & that it will just cancel out. After I felt it was odd I hung up & {$500.00} was missing. At XXXX I called the chase fraud line on the back of my card verifying that this information was true or not & they said no that never happened & looked into my account & said person also had a {$250.00} weekly withdraw to their account named " chase bank '' I did not know what this withdraw either & found out when the fraud line told me. She deactivated my account & we changed all the security things & sent me to claims. I filled a claim that day & received a letter on XX/XX/XXXX at XXXX that they would not grant me the money back because it shows I sent the money when I did not & the person who acted like Chase. I never authorized anything on my account. This person called acting like chase did all the verification that Chase does. When I called to fight the claim they told me that they can't because everything shows that it was my account that was logged in and I tried to tell them everything that happened. They said Chase would never call, they only email or text. I have been with Chase for 10 years & never knew that. I have received calls before from them. So now I lost {$500.00} to a scammer because he played all his cards right.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (CA)

I have not been able to obtain my credit report from Equifax since XX/XX/2022. When trying to retrieve and update it continues to say I have a blank file, and nothing is there. When I called Equifax, they asked me questions to verify my identity based on my Equifax history. When the customer service rep tried pulling my credit report, it said blank as well. They told me they will put a ticket in, and I will get an email in 72hrs when the glitch is fixed. Nothing has changed. I called again, and same thing. They will put in a ticket. Here it is months later, and still a blank file. I have multiple loans that have been reporting, and I just want to be able to pull my credit on my own again and apply for a loan without these ridiculous issues.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

XXXX of XXXX my friend sent me money on Venmo XXXX $! I was able to transfer XXXX $ into my bank. The remaining XXXX $ I tried to transfer as well. then they locked the account or froze it, with no reasoning. They ask me to verify my identity. so I send drivers license, then They asked for me to send my bank statement. I sent them the first bank statement they asked for and that was good. then they asked for a second account bank statement that would include my card number a card that I didnt ever even use to get money on from my Venmo account I sent them bank statements to that account but my card number is not visible only account number. and so I contacted my bank universal silver they said we can not do that due to security reasons. so I told that to Venmo they say to bad and I have to send this document that I cant obtain. I asked for alternative way to prove they will not listen or unlock my money. My name is XXXX XXXX Im going to attach everything I have sent already I did even send them my bank statements from the card XXXX but it only haves the account number not card number that bank is universalsilver I think I could add that card with routing number and card number and account number and they should see its my account I really just need my money back.
Consumer complaint received 2022-06-30
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 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 Acc Name : XXXX Acc Number : XXXX
Consumer complaint received 2022-04-06
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)

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, XXXX, or Transunion any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello I am located in XXXX XXXX NV and I have been dealing with a closed account since XX/XX/2020 due to a fraud incident and calling to report it. Now I am being punished for someone taking money from me and Bank of America will not open my account back. I have done everything from calling everyday and even proving my identity to unemployment to only be told by Bank of America that their hands are tied or getting hung up on. This is my only income at the moment and myself and my children are suffering from it.
Consumer complaint received 2022-10-08
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. (PA)

Equifax is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

XXXX did not delete the inquiries requested in my previous investigation.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a Dependent Care FSA account through the XXXX XXXX Health Equity. I requested a payment from Health Equity of {$190.00}, which was paid from Health Equity to my Bank of America account on XX/XX/2021 through ACH. Bank of American never posted the {$190.00} to my checking account.
Consumer complaint received 2022-09-26
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. (GA)

Fair Credit & XXXX  has been reporting a fraudulent account on my Equifax after XXXX and XXXX have deemed the account fraudulent. I have filed a police report and reported this company to the FTC numerous times as fraudulent. This company claims I owe them $ XXXX for an apartment in XXXX, Atlanta. I been paying a mortgage since XX/XX/2020 until now in XXXX, GA. No way have I or would I live in the crime infested part of XXXX XXXX Also XXXX is full of fraudulent activity. This account does not belong to me. All my accounts are in good standing and I intend to keep them that way. I take my credit very seriously and pay all my owed debts. The company has been sent a letter along with the same police report I gave to XXXX and XXXX.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees after I made a withdrawal. The problem is that they first limited me to only XXXX, and immediately after allowed me to take out XXXX, and then XXXX. They forced me to take it out in 3 separate transaction and had the audacity to charge me XXXX dollars for each transaction. Then they charged me again XXXX dollars for a withdrawal I made on the XXXX even though I made a deposit that same night. Today I found anew charge of XXXX I had no idea what it was for so I called them and they said that it was for the XXXX because 3 payments were processed that day. So within the span of two days TD Bank charged me XXXX, XXXX, and XXXX again just in overdraft fees for a total of XXXX dollars. It's outrageous!
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX XXXX XXXX is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my USAA banking accounts and I lost my phone number on XXXX, stolen by the same perpetrator.
Consumer complaint received 2022-10-08
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: Security Credit Services, LLC (MI)

A letter was mailed to Security Credit Services , LLC on XX/XX/2021 and received by their office on XX/XX/2021. The letter was submitted in regards to a dispute. In the letter amongst other issues, it listed that they were not authorized to do business or operate in the state of Michigan. They chose not to respond to that particular issue and continue to report this collection item on all 3 credit bureaus till this very day.
Consumer complaint received 2021-03-09
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. (CT)

In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, Experian and XXXX  and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section.

To my chagrin I was very perplexed as to why it was not also removed from Experian as well as XXXX XXXX. On XX/XX/XXXX XXXX  stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to Experian and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

I provided the following information and I got a generic response. 

" I applied and was approved for the Truist XXXX XXXX. When I received it I had issues registering for online banking and the account was locked. I talked to the fraud department and when they tried to verify my information against the phone carrier, they claimed that my name does not match. The phone bill is under my name and I've used this number for 12 years. The lady I spoke with said that I had to call XXXX XXXX XXXX to have them change what it shows in their system. This is the only banking institution I've had issues with when it comes to verifying my number. I was told that until the carrier shows my name on Truist side, they can't unlock my account. '' I DO NOT have a problem registering for online banking. I have a problem with the card being locked and I'm unable to use it. Truist can't verify my identity with a phone I've been using for over a decade. I don't want to go to a Truist branch or deal with anyone there. It's ridiculous that Truist only relies on phone billing identity verification and doesn't offer an alternative such as questions from credit reports and public records, etc. I should not have to go to be inconvenienced and have to drive to a branch.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019i sent payPal/ Synchrony a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both PayPal and Synchrony bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with Synchrony nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when Synchrony claims it serviced my account. I have zero obligatins to Synchrony and both companies are attempting to collect as I have letters from both Synchrony and PayPal seperately. Paypal was intermingling regular Paypal and charging me cash advances for transfers of my own money not separating a store credit and regular PayPal. They also werent applying credit to a special financing perchase for months until it was nearly expired.