davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (OK)

There's accounts opened under my social security number through Wells Fargo, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  and I can't access any of these funds. Imsure there's more. They keep sending me cards with these agreements and fine print that I dont understand. I keep getting calls and emails from people requesting my information and ID to receive money. They pretend to be from the White House, I've had some from homeland security I screenshot majority of them.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.
Consumer complaint received 2022-05-03
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. (AR)

Theres a bankruptcy reporting on my credit file that shouldnt be there. Experian, XXXX and XXXX has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.
Consumer complaint received 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

XXXX months ago, I purchased a computer at Best Buy using my " My Best Buy Visa credit card, '' taking advantage of a promotional offer. At no point during the promotion 's disclosure was I informed that additional steps were required to ensure payments exceeding the minimum amount would be allocated to the promotional balance. This critical information was deliberately concealed from consumers. 

To allocate excess payments to the promotional balance, multiple boxes must be checkedboxes that are buried under several layers of obscure links on Citibank 's website. This setup is purposefully deceptive, relying on a lack of disclosure to mislead consumers. It was only through sheer curiosity and persistence that I discovered these hidden steps. Until then, my excess payments were not applied to my promotional balances as they should have been. 

When I contacted Citibank to address this issue, I requested that all excess payments I had made be retroactively applied to the promotional balances. Citibank refused, offering to adjust only the last two paymentsa wholly unacceptable resolution. As of now, I owe {$2100.00} on one balance and {$230.00} on the other promotional balance, despite consistently paying {$250.00} per month, with approximately {$100.00} of each payment intended as an overpayment toward those balances. The {$2100.00} balance is for the computer I purchased, and the {$230.00} balance is for the computer 's insurance plan.

The deliberate lack of transparency here serves only one purpose : to increase the likelihood that consumers will unknowingly fail to allocate their excess payments, ultimately forcing them to incur interest at the conclusion of the XXXX interest promotional period. This practice is not only unethical but appears intentionally designed to exploit unsuspecting consumers. Citibank 's refusal to fully resolve this issue and retroactively allocate my excess payments is a blatant disregard for transparency and consumer rights.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened a business account at bank of America. After putting all my business information and account numbers on the computer at the branch, the computer screen turned blue and popup said " XXXX thanks you ''. I asked the lady who was watching me what was going on and she said that, " that was a practice run. '' I told her that I didn't enter practice information but the real information of my business and she told me they didn't want my business.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-12-09
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: U.S. BANCORP (WI)

This is with my bank, US Bank.On XX/XX/XXXX I make a mobile deposit for a {$1300.00} check. I mistakenly typed {$13000.00}. Being that i had the incorrect amount, and every time I have made a mistake on a mobile deposit it has been flagged and not accepted, i redid the mobile deposit for the correct amount. I realized on XX/XX/XXXX that both deposits showed they we approved, so i immediately called and explained what had happened. He said he would take care of it. Both checks still cleared from my customers account so i called back on Monday. By then i realized they had taken {$14000.00} out of my account for the 2 deposits. They only reimbursed my customer {$11000.00}. I again called to explain this was not correct where i dealt with rude service and being hung up on. Finally, I was told that his bank needed to file a paper item adjustment. Then on XX/XX/XXXX they took another {$11000.00} from my account which was a mistake. I was again hung up on when i called on XXXX to explain that {$11000.00} should have never been taken from my account. Now today, XX/XX/XXXX there is still no explanation.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (DC)

On XX/XX/XXXX {$39.00} was stolen from my account. After contacting cash app to dispute the charge, they gave me no resolution for my dispute and denied my claim on numerous occasions and XXXX  XXXX  was of no help to resolve my complaint. After all my efforts to get my money back I cashed out my money and still had fraudulent charges coming in trying to steal from the account. With no intentions of cash app satisfying my claim, I borrowed money from cash app and have no intentions of paying them back nor using their platform ever again. Now, with the {$100.00} Ive borrowed, cash app keeps harassing me with {$1.00} daily interest charge that they will never get, where I want to stop all communications with the company and to never do business with them again.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 2nd attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Consumer complaint received 2022-06-10
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. (AL)

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (OH)

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 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 3-4 months.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I was forced to use an ATM in a rather rough part of the city that I reside in one day back in XXXX of last year. It was only a few days after the XXXX holiday. The date in question is XX/XX/2021 to be exact. I was unsuccessful in withdrawing funds due to internal atm error, and I have the receipt to prove it. I contacted my bank and informed that funds that I attempted to withdraw were never dispersed, yet the funds that I attempted to withdraw were still subtracted from account as though funds were dispersed. I was totally shocked that this happed and the Bank was quick to reimberse my account. A few weeks after my bank ( Chase ) subtracted the funds following a more thorough investigation. Again, I had to suffer being violated of having money stolen from, once from the sketchy atm and a 2nd time by the bank that was supposed to protect me. I have lost all trust in storing my money in banks. I didn't know where to turn, so I just decided to start here.
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

A lawsuit petition for {$11000.00} from Persolve XXXX, LLC was served via process server on XX/XX/XXXX. An official answer was submitted on XX/XX/XXXX. Affirmative Defenses included the following : XXXXDefendant is not liable to Plaintiff because Plaintiffs claim for breach of contract is barred by the four-year statute of limitations in Texas Civil Practice & Remedies Code section 16.051 XXXX 

XXXX. Defendant is not liable to Plaintiff because Plaintiff lacks standing to sue. 

XXXX. Defendant is not liable to Plaintiff for the amount of damages claimed because Defendant is entitled to offset. 

XXXX. Defendant is not liable to Plaintiff because Plaintiff was not a party to the original transaction. 

XXXX. Defendant is not liable to Plaintiff because the agreement does not comply with the requirements of the statute of frauds. 

On XX/XX/XXXX, Persolve XXXX, LLC submitted a motion to dismiss. This order was granted on XX/XX/XXXX. Persolve XXXX, LLC has continued to report an outstanding balance to ( 2 ) credit bureaus, XXXX and XXXX. Persolve XXXX, LLC recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to XXXX. 

This issue has been dispute with XXXX, XXXX, and Persolve XXXX, LLC. All of which have filed to remove this reporting. This negative and false reporting has caused a financial hardship.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On my hard inquiry on my credit report they are 3 capital one credit card hard inquiry that I did not open myself. I do believe that someone got them in my name.. I think someone got my identity and ordered them cause I never had a capital one credit card. Thanks alot and I look forward in hearing from you. Thanks
Consumer complaint received 2022-10-20
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. (VA)

I am submitting this without influence or without third party so do not ignore my complaint, please see attached documents. I have information on my consumer report that does not come from me. I have nothing to do with the information and do not know where it has come from. I have attached my ID Theft report, attached social security card, proof of address, and my Drivers license. 
You have 4 days to remove the information by law
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XXXX XXXX, 2021, i have recieved an email from cashapp regarding my account, they were saying i was in the negative, but i wasnt using my card. When i have messaged support about the issue, no one was giving me an answer on what happen or why it was happening, instead they chose to pretty much ignore the situation, they said they will get a specialist on it then stop talking when i asked if anything in the system stating what happen. XX/XX/XXXX i heard nothing back so i messaged them again, they told me to pick a transaction that i was disputing, but cashapp had no transaction to show they took {$65.00} from my account. When i told them that, they asked for a case number, i told them i do not have one because i have been ignored instead, he then told me a specialist will help me, so i asked again what the system is saying about why the money was gone, but received no answer again. On XX/XX/XXXX, i got an email from cashapp saying that it was about the charge back that i asked for prior. Which cashapp has chose the company won on XX/XX/XXXX, but after that decision the company refunded my money on XX/XX/XXXX, now it being over a month after they refunded me my money, cashapp has taken the money saying they reviewed both sides of the claim and choose that the company won, but i never recieved an email to fight against it, i had no warning about it, just an email saying my account was in the negative. I have sent cashapp the email they sent saying the company won, and another screenshot showing the company refunded my money a month after that decision. Cashapp has not responded back to me after that, they are ignoring me. I recently had XXXX and it was my only way of receiving money to help with food and bills while i cant work, and they are still choosing to ignore me instead of trying to situate it. They really shouldnt be able to take money out of peoples account without emailing them, without warning, or without being able to fight it. The money was refunded to my account over a month before they took it upon themselves to take it again.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (NM)

XXXX XXXX has sold my mortgage loan internally three times over the past few years. Each time they report the loan closed and up until this last time, showed an open account. 

I have contacted Experian and the XXXX XXXX  about this missing from my credit report and filed a dispute and they come back dismissing the dispute. 

XXXX and XXXX list this mortgage as active with excleeent payment history over the past 10 years. Each have a credit score of good to excellent. 

Experian does not show the mortagage and has the credit score as fair. I have a copy of the monthly statement from XXXX with a balance shown. 

If they dismiss the issue and the other credit reporting agencies show the account, what can be done to get this straight. With a fair credit score, any loan, credit card or even if we were to look at a new home, the interest rate and down payment would be much higher with this improper score. 

I have sent two disputes and included the account number to experian and they respond with closing the dispute with no change to the credit report.
Consumer complaint received 2023-05-25
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)

THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT.