davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV INC. (CA)

This is a complaint about the company Money Network who is contracted to issue/oversee the Economic Impact Paymant ( Stimulus ) card, My complaint is that I am having a great deal of difficulty withdrawing money without being charged fees, Today ( XX/XX/21 at approximately XXXX XXXX  I went to XXXX at XXXX XXXX XXXX XXXX CA XXXX to withdraw the money from my card at the XXXX ATM. I input the card and correct pin number and the machine cancelled the transaction ( no explanation given as to why. ) At approximately XXXX XXXX  my husband went to the XXXX XXXX  at XXXX XXXX XXXX XXXX  CA XXXX and attempted to withdraw money only to be told there would be a XXXX fee charged, despite it being a XXXX  ATM. We obtained both of these locations off a online list as suggested by Money Network. 

A telephone call to Money Network ( which makes callers listen to lengthy informational messages and push multiple prompts before getting help ) reported that though the XXXX XXXX location ATM was an XXXX ATM, it wasn't an 'in-network '' XXXX ATM. How can the public naviagate this purposefully confusing system? The only explanation for such subterfuge that I can think of is that Money Network hopes consumers will just give up and pay the fees, which is outrageous during a pandemic. 

There should be no fees associated with obtaining Stimulus funds -- period. A clear list of the location of truly fee-less ATMS should be provided to every payee with the card itself. The money should be easily assessible without multiple tripss and surprise fee.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a TD checking/savings account on XX/XX/XXXX with a promotion which would give {$300.00} to the new checking and {$200.00} to the new savings when the criteria is met. I got the {$200.00} bonus for the savings a long time ago but I haven't received the checking bonus. when I contacted this bank, I was told I was ineligible because I had got a bonus in XXXX. Based on the terms when I opened the account, the bank stated that : Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD bank within the preceding 12 months. I did not have any TD bank checking within the preceding 12 months so I should be eligible for the bonus.
Consumer complaint received 2023-05-21
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (VA)

Received letter from Comerica Bank. With welcoming me on my new account. Issued me 5 checks and 2 deposit slips. Never opened the account. Not sure why this bank offers people an option to open an account online and not require them to prove their identity.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, someone cleaned out my unemployment account ( managed by bank of america ) through an ATM. My card has never been out of my possession and I have no idea how they spoofed my card or obtained my PIN number as I'm extremely cautious. 
I reported it immediately to Bank of america, created a fraud claim and requested a new card, that I paid extra to have expedited. 
Upon receiving my new card I was unable to activate it. I was also no longer able to log in to my account online. 
Instead of investigating the fraud, Bank of America froze my account. 
They told me it was frozen by Nevada Unemployment ( XXXX  ) and that I'd have to contact them to unfreeze it. 
After hundreds of calls to the impossible to reach XXXX, I was informed by an unemployment employee that Bank of America has frozen tens of thousands of accounts, and is requiring XXXX  to verify the identity of each individual before they will unfreeze the account. BofA is overburdening an already overburdened system and leaving tens of thousands of unemployed people in an even more dire situation than they were already in due to Covid closures. 
I received a letter from Bank of America that stated simply that my fraud claim has been denied. 
I have filed a police report regarding the theft from my account, and no action has yet been taken. 
I made an effort to obtain the ATM security video from the bank of america branch where my money was stolen, but was told that because my account is frozen they can not access the info they need in order to review the video. 
I've been researching this issue and have connected with dozens of other victims ( out of tens of thousands ), and due to the timing and scope of this issue I have come to believe that Bank of America must have had a data breach sometime in XXXX that they didn't report. This caused tens of thousands of already struggling unemployed people to become victims. To cover their losses, bank of america is putting up roadblocks making it nearly impossible for us to unfreeze our accounts. 
Somebody, please! Needs to look into this and help us. Some of us have been fighting this for a couple of months to no avail.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc. (GA)

Upon checking my credit on XX/XX/XXXX, I see an account reported to XXXX This account is not mines. I reached out to the original creditor XXXX fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXXACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX
Consumer complaint received 2021-02-02
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. (OR)

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XXXX of 2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX  even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX  has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX  even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor CoXXXX points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Consumer complaint received 2020-12-22
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (VA)

On XX/XX/22 I saw an unauthorized purchase for {$1300.00} on my credit card. I immediately notified Citi Bank Costco Card about the fraud. They removed the charge and I opened a fraud case. On XX/XX/22 Citi Bank advised me that the charge was correct and placed the charge back on my account. I requested documentation and was sent an invoice from a company called XXXX for a computer which was shipped to a man I did not know at an address I did not know. I immediately contested the decision and asked to continue the dispute. I was given contact info for XXXX and called their customer service office and talked to XXXX and explained that I did not purchase the computer and did not know the person who received the computer. Advised that the man listed on the invoice and address was not connected in any way with my credit card. Provided my contact info and to date no one from XXXX has contacted me. I have sent multiple email to Citi Bank requesting an update and called several times. My on-line account with Citi states that the dispute is ongoing and will be resolved by XX/XX/22. Today I called to request an update and was told that the Billing Office had sent the dispute to their Security Office and the Security Office had returned it to the billing Office. I was connected to the Security Office where I once again explained the situation and that I was very frustrated and had been very patient with the bank. I was told they would re-open the investigation and someone would call if they had more questions. This was never a billing dispute and I stated it was fraud from the first contact with the bank. I need someone in authority with Citi Bank Credit Cards to resolve this issue and remove the unauthorized charge from my account.
Consumer complaint received 2021-02-02
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. (OR)

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX XXXX see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows Equifax reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. XXXX  does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither XXXX  nor Equifax even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from XXXX  and Equifax. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with Equifax even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Consumer complaint received 2022-04-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Regarding Inaccurate Reporting by Experian Dear CFPB, I am writing to formally report an issue I have encountered with Experian since XXXX regarding the inaccurate reporting of inquiries on my credit report. Recently, I noticed a XXXX reduction in my credit score after my complain last week with their credit bureau , which I believe is due to Experian 's failure to accurately report inquiries in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

Despite my efforts to address this issue directly with Experian, they have not rectified the inaccuracies or provided a satisfactory explanation. This negligence not only affects my creditworthiness but also undermines the protections afforded to consumers under the law. I kindly request your assistance in investigating this matter and ensuring that Experian adheres to the legal requirements for accurate reporting. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter 41. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX my XXXX XXXX XXXX daughter discovered unauthorized use of her bank card. She called and reported these as fraudulent as well as requested her account be frozen and a new card issued. For four days after new charges kept popping up. This time I called with her and the account was in fact frozen finally. On XX/XX/XXXX I discovered Truist bank froze my son and I 's checking accounts. They claim our accounts were frozen because my daughters account is still linked to mine. They have refused to unfreeze the account leaving me with no way to provide food in my house, go to doctors appointments, or refill medications. This is my only account and I do not own a credit card, or have access to cash. The total charges in question are {$3200.00} and I was told by Truist the only way to regain control of our accounts was to come in with cash to satisfy this debt. My daughter denies having any knowledge of these charges and still has her debit card so this did not occur because of a lost or stolen card.
Consumer complaint received 2021-02-06
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: Experian Information Solutions Inc. (FL)

Almost every day, a collections agency keeps reporting the same wrong collections to Experian and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power XXXX XXXX XXXX which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.
Consumer complaint received 2021-02-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit, Inc (GA)

In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes. 


XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX