davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (NJ)

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in NJ where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (OK)

I took out a borrow and save account with Seedfi last year where they loan me {$1000.00} and put {$2000.00} in savings for me for a total loan amount of {$3000.00}. And after making all of my payments on time for six months via automatic bank drafts, a company called XXXX suddenly drafted the next payment from my account WITHOUT MY AUTHORIZATION! They also claimed that I still owed {$2500.00} after I already paid {$1100.00} to SEEDfi. I disagree with this amount and the rate of interest which is much greater than advertised. I told them that they can take out the {$2000.00} they supposedly put into savings for me, but 'Oh No that's impossible ' they say. They can not change the contract they say, when in fact they already did. I DID NOT sign any contract with SST or one that mentions SST anywhere in the contract. After reading all of the other complaints about SEEDfi, I am certain that they are a scam company and I will not deal with them anymore. Meanwhile SEEDfi is destroying my credit now. It has dropped XXXX points in one month because they are reporting that I still owe {$2500.00}. I hope that there will be a class action lawsuit against these scammers. Please count me in any class action against Seedfi and XXXX. And please notify all complainants here about any class action lawsuits against these scam companies.
Consumer complaint received 2022-08-28
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. (GA)

in accordance with the Fair credit Reporting act XXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Several months ago, I opened a CD with XXXX, now owned by Webster Bank. The CD with over {$250000.00} dollars matured on XX/XX/2023. I called yesterday, XX/XX/XXXX to close the account and have the funds sent either back to my bank account where they came from or to have a check sent to my New York address, which the bank has on their file. This is when the nightmare started. The person I spoked with asked me the typical verification questions, my phone, e-mail, address and four digits of my social. After that, she said a code will be sent to my phone, a few seconds later she said that did not work and she will need to ask me five questions. Some questions were stupid, like remembering the plates of my cars, but still I know I answered them correctly. The person told me right away thay I failed and I had to wait 24 hours to call again. I told her this was not aceptable and I wanted to speak with a supervisor. She said the supervisor acll me in about 30 minutes. NO call after two hours, so I called again. This time I was told I could go to any Webster bank branch and have them close the account and give me a check. I went to the XXXX XXXX branch in XXXX and was told they could not help me because it was a XXXX XXXX account. I asked one of the managers there to call XXXX so they can verify it was me and close my account but the person at Webster was told the same story, they just could not help. I was upset and called XXXX myself while at the bank. The person I spoke with refused to speak with any of the XXXX employees to verify my identity so she gave me another set of five questions. I answered them correctly again and she told me right away I failed and will have to wait 24 hours and that was the end of it. No further explanation. Five hours later, the supervisor called me, her name XXXX XXXX XXXX phone XXXX XXXX. She apologized about the incident and said since the account was opened online they can not do anything. She promised to call today at XXXX XXXX. She called at XXXXXXXX XXXX, again I was given the set of five questions instead of the text code to my del phone. I wrote each question so I know I answered them correctly, yet I was told by XXXX XXXX that I failed the verification. I told her this was not acceptable and I wanted my CD closed and my money inmediately. She told me she will call after she talks to her superiors at Webster. The day ended and never heard back from her. I went online and realized there are hundreds of similar complains against XXXX and Webster Bank. I am not the only one that has this problem. It is very clear Webster Bank is running a scam to keep the funds of the clients longer tha they need to be held and all that time whithout paying any interests. Please help me to get my {$250000.00} dollars back and stop this bank from running this scam with other inocent clients. Thank you for your help. XXXX XXXX
Consumer complaint received 2022-10-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX  XXXX account that was just added to my report.
Consumer complaint received 2022-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have been calling and requesting XXXX to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXXXX/XX/22 XXXX XX/XX/22 XXXX  hotel and travel XX/XX/22
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX 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. 15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2023-04-18
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: CITIBANK, N.A. (FL)

I have disputed a charge with my Citi card for the amount of {$34.00} with XXXX XXXX XXXX, on XXXX  Citibank closed the dispute XX/XX/XXXX siding with the merchant after receiving a response with just a copy of the order details but not really explaining anything about the reason of my dispute which is about a defective product for which I contact the merchant first but they ignored me. After closing the dispute, I signed the letter sent by Citibank as well as copy of the email exchange between myself and the merchant where they deny any fault with the item even when it is faulty, but still Citibank refused says they have not received any further information.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX, I booked a flight ( {$980.00}, trip # XXXX ) using points and cash without air fare rules being provided. I called Chase XXXX  ~3 weeks ( XX/XX/XXXX & XX/XX/XXXX ) before travel date ( XX/XX/XXXX ) but was told to pay a penalty of {$400.00} for a flight change. Meanwhile, the air fare dropped to below {$800.00}. 

Neither the booking process nor the confirmation email from Chase XXXX provided any details about air fare rules. As a result, I never had and still don't have access to air fare rules, and lost my opportunity to remediate the risk from paying a penalty for any flight change. I feel misled and trapped into my purchase.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

When I was using my online banking at usbank.com, I saw a targeted offer saying that " Redeem your checking offer ''. When I clicked the offer, I saw the offer says " Earn up to {$500.00} when you open a new eligible U.S. Bank checking account and complete required activities. '' ( Attachment XXXX ). So I went ahead to apply and was approved for the checking account. ( Attachment 2 ). I finished the {$500.00} offer requirement " recurring direct deposits of two or more that total more than {$5000.00} '' and did not receive the bonus. After several conversations with XXXX from US bank customer service, I was told that my account isnt illegible for the promotions " due to having a prior account within 24 months of account opening and receiving bonus within 24 months of account opening ''. I replied to XXXX saying that " I was targeted this {$500.00} offer from US bank in my online banking, and I was not aware of the 24 months requirement. I clicked the offer, the offer code was prefilled, and my account was opened as usual, without any kind of warning saying that I could not get the offer. If I was warned in any way or my application was just rejected, I would not try to complete the requirements. Now the requirements have been completed for a while, and I would request the offer to be honored. '' The reply I got from XXXX saying " while I truly wish I could say otherwise bonus are done systematically so, we dont have a way to override the system, and apply the bonus ... ''
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC (TN)

Company sent a text to a family member releasing my address, the collection account number, the amount owed, the medical name of the original collector. The date when I was at the doctor. It was sent XX/XX/2022. I have all screenshots of the text. They call me 30 times a day so they have my phone number.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

What are you talking about I just got my ID from the XXXX it's brand new I even got the letter it came in this is so sad and crazy that this situation is even happening for a company as big as venmo if you looked and what I been through in the last month with you customer service agents from being hung up on ... talked to crazy and then you have the nerve to yell me I can't touch my money for 180 days when you company frozen my verified account I verified my account with you guys before the money was transferred into my account becau as e I needed it for a down-payment on a Aptana was assured everything would be fine and it's been nothing a nightmare ever since and then you make me take pics of my new ID and of me holding it and after tell me 180 days and close my account why even take the pics why you guy are the frauder stelling my money and my info was told on the start of this ordeal that it Would take 6 days called over at Least 5 times and was told every time to be patient and wait another 3 days and the last I waited 7 days to see of you guys would even call me and nothing and when I called XXXX was promised a without? Have access to my account today and get an email after she requested pic of my ID 180 days that insane for a mistake done on you part you keep telling me your verifying but the funny thing my account was verified already. Before you froze it like on the app of told me I was all set you verified you customer service agent assured before the person sent the money there that I was fine and then send the money there and do a couple transfer and you freeze My account and then put me through he'll for s whole month is insane you do this to XXXX people I have seen the reviews but you know what My accountbwas varies already this a mistake was done on your part but what do you expect from a company who can't even organize there own emails I have gotten emails being called names that were not mine from your venmo mangers and in the body of the email there name is not even right you guys can't even send a simple email how do you have the responsibility of holding and transferring peolem money I just still can't believe this
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Bankruptcy XXXX XXXXXXXXdischarged reference number 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 aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-24
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. (NY)

Hello good day, I have a notification from Experian app stating that XXXX XXXX  pulled my report and I checked what occurred to be an unauthorized inquiry on the Experian report. 
This occurred on XX/XX/2022. 

I've already spoken with Experian Credit Bureau to work on this issue as well as XXXX XXXX  to resolve these actions.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.