davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NM)

I have been a Citibank customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above XXXX however now it is around XXXX. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.
Consumer complaint received 2021-04-29
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. (PA)

I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One, XX/XX/2022, did a credit inquiry and issued me a credit card that I did not apply for. When I received said card, I contacted Capital One and cancelled said card. I told them I didn't apply for a card. I already have a Capital One credit card. I certainly don't need two credit cards from the same lender. My credit score was negatively affected by this unwanted and unsolicited credit inquiry. Thank you, XXXX XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have disputed information about my XXXX XXXX XXXX thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {$120.00} was made on XX/XX/XXXX. XXXX and Transunion are also reporting conflicting dates of closing on this account. There are to many errors on this account.
Consumer complaint received 2020-11-27
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. (PA)

on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2022-07-11
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report.

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (ME)

I had ordered an XXXX backup battery from XXXX XXXX. They sent an email saying it was out of stock with no date to ship. I called XXXX, they had no idea when it would be shipped and I canceled the order and ordered from a different company. The battery arrived in two days and I installed it. A battery arrived from XXXX in three more days. I called XXXX back and was told I could return it but they gave me no XXXX. I disputed the purchase with XXXX who Investigated (? ) it and said I had to accept the transaction. At that point I closed my account with XXXX that was XX/XX/XXXX. I called XXXX back to find out why XXXX contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX and they told me the account was frozen because I still owed the {$55.00} from purchasing the XXXX battery. I contacted my bank who sent XXXX a 'proof of proof of payment ' letter on XX/XX/XXXX. Apparently my XXXX account has been unfrozen because XXXX accepted a charge from XXXX on XX/XX/XXXX for {$120.00}. 
How do I close this account???
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

The shock came during the week of XXXX XXXX. We were devastated to learn that my husband was victim of a telephone scam, the banks securities had failed, and the savings can not be recuperated. He had been called supposing from the SSA and they had told him there were charges on him and that the social security number had been used for drug trafficking and money laundering. He was so scared of having to go to prison and not being able to see our daughter and me that he believed the story. Additionally, he was told not to tell anyone about this because else it would go public. He was tracked for a week and when they found out he was about to transfer all our savings from XXXX to here ( {$260000.00} ). The scammers told him that he needed to send the money to a safe account in XXXX. He would then get the money with his new Social Security number which would not have any charges on it because they now were sure that he was not involved in any drug trafficking. We already had the contract for a house and the money from XXXX was supposed to be the down payment. Of course, no money came, and my husband broke down and we had to cancel the house contract. We reported this to the police and the FBI, but nothing is happening. Also, the involded banks ( Wellsfargo and  XXXX XXXX ) are not very cooperative. {$30000.00} USD had been transferred from our Wells Fargo account to the fraud account in XXXX. We had just opened the account, transferred some money into the account and the bank knew that we were planning to buy a house. How could they have not asked for a reason for us to transfer all our money to a known money scamming country? Why are there no extra security checks in place for these types of suspicious transactions? My husband was blackmailed, and it should have rung all the bells within the bank. 
We have asked the bank to try to stop the transaction and get the money back but they said that they had tried but not succeeded and that it was our own fault. 
Wells Fargo allowef the transaction on XX/XX/2020 XXXX . The XXXX XXXX XXXX allowed following transactions. Transaction Amount : {$140000.00} Transaction Date : XX/XX/2020 and Transaction Amount : {$90000.00} Transaction Date : XX/XX/2020.
Consumer complaint received 2020-09-09
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. (OR)

Hello, I received an email from Experian on XX/XX/2020 saying that my credit score had changed. When I went to view it, it had dropped 22 points. When I called them I was put on hold 4 times with no answer over a period of 2 hours. 
When I got through on XX/XX/2020, I was told that all Experian could do is tell me my score and review it compared to the other bureaus. They did that and only found {$1.00} difference in balance at the end of the month. The other bureaus show no change in score thus far. 
Today XXXX, I went to look at my Experian score through my XXXX card to see that that site did not reflect a 22 pt decrease. 
Experian could not tell me why this drop happened and the manager,  XXXX, told me it was a federal law that prevented her from giving me more information, but could not tell me what law. She was discourteous with me and told me I had to hire a private consultant to explain my report. 
I would like more information about this law and this information. 

A 22pt drop is too big to just be notified via email with no information and then be told I had to hire someone to learn more. Fortunately, my score is very high and 22 pts does not affect me a lot, but this is very poor practice, not consumer protection. It leaves me worried that something is happening with my finances, at a time when I already have too many worries. I am very old school and stay very current with all of my accounts and always check discrepancies. I need more information. 

Please inform, ASAP Thank you, XXXX XXXX
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act act XXXX XXXXt # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, US BKPT CT TX XXXX acct # 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 an account without my written instructions.
Consumer complaint received 2022-07-11
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: SYNCHRONY FINANCIAL (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank, I was told there had been two transactions made by the previous account holder one for {$2400.00} and another for {$1100.00} transferring all funds that were in my account to an account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account holder still on the account although they found the documentation. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I received a letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. This person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing to file a police report if needed. The bank has admitted fault more than once but yet I am still fighting to get my money back based on bank error. I received a call on Tuesday from an advocate who stated he was handling my account and I would receive a call or email the next day to verify the totals of the amounts to be refunded into my account. It has been several days 2 months after the initial occurrence and I have not received an email or a telephone call. I have left messages on his extension and no one is calling me back. Can you imagine if someone took over {$3500.00} from you or your family how you would feel if no action was being taken on resolving the matter. 

USAA has previously responded that they will respond within 30 days. My complaint with this forum was initially filed on XX/XX/2020 it is not XX/XX/2020 an still no resolution. I have been attempting to get my money refunded to my account since XX/XX/2020.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC. (TN)

My original lease was with a different company that sold my lease to another company. The information listed was incorrect. It was joint lease where I was listed as the co-borrower. The other company that the lease was sold to had my car repossessed. I was unable to gather any information on the vehicle due to them listing me as the co-borrower when I was the original borrower. I did not sign a contract with the company whom had bought my contract from the previous company. I do not believe this should remain on my credit which has made it impossible for me to attempt to get another car lease.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (GA)

Recently XXXX transferred the student loan they claim I owe to Aidvantage  without my consent, I do not have a contract with aidvantage, aidvantage is not the creditor, and I haven't agreed to any terms with their organization. I never received the student loan amount they claim I owe, ask aidvantage to provide my wet ink signature on any document that claims I consented to do business with them. I reserve all my rights and waive none, I rescind any signature on the student loan contract. I never received just compensation. Lack of consideration.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (CA)

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Consumer complaint received 2022-04-08
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions