davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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. (LA)

I still have unverified accounts that are posted to my Experian credit file that have been disputed on four separate occasions ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) without any verification documentation sent back to me from this company showing me how they have been verified or who they verified these accounts with and the contact information of those companies/persons. I sent four separate dispute letters to Experian requesting that they provide applications signed by me for these accounts to show proof of verification, however, none have been sent. I have also requested that they remove any and all accounts that they can not adequately verify with a signed application for credit with these accounts. I have suffered damages as a result of these unverified accounts remaining on my credit file and will be litigious pending the immediate removal of these erroneous accounts.
Consumer complaint received 2022-12-31
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XXXX, I found that there was fraudulent activity on my account. I immediately reported it. 

Bank of America claims to have investigated and returned a decision that they were not going to fulfill their obligations of protection that they had agreed to. I reopen the case and once again they made a unilateral decision to not refund my money. 

I have received multiple instances of letters being sent to me by various companies that my card information has been leaked. I have much proof that my information has been compromised to include my addresses for the last 10 years due to department of defense hacking. 

I am a XXXX veteran living off of my XXXX and a single mom. This has caused me great financial hardship and Bank of America has told me that they refuse to look at this again. 

I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. I have asked to escalate to a manager and was told that they would not allow me to continue asking for support and that their decision was final, even though I was never presented an opportunity to give any sort of evidence. I have asked multiple times what they need from me in order to support the resolution of this claim and they have refused to give me a way to prove that this was fraudulent. My last conversation on XXXX ended with the representative telling me that there was nothing I could do and that I should just seek legal counsel. This is not an option for me, I do not have the monetary means to pursue this. This is what Bank of America is counting on. 

I am asking that those with limited money also be honored just as much as those with thousands in their account.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 1981. Account Name : 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 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, 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 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A. (FL)

Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with Flagstar Bank and XXXX XXXX XXXX to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with flagstar bank. The address, phone numbers and emails that Flagstar had on file did not match with any of my personal information.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC (NC)

On XX/XX/XXXX, XXXX XXXX at XXXX, who claims they are located in California, threatened to serve me in my local court to " collect '' on a XXXX XXXX account in the amount of {$2900.00} from the year XXXX. I hung up with them and proceeded to call my local courthouse to ask if they had this on file, which they didn't. I called back XXXX group only to get their " Legal '' department. The guy in " legal, '' who didn't give me a name, cursed me out and hung up on me after I questioned his motives. This happened to me before a couple of years ago and I went down a rabbit hole and found out how much the debt actually is. The actual amount of the debt is {$670.00} and the amount is from XXXX. I called the actual debt collector this time around as well to verify the amount I actually owed and they confirmed the {$670.00} amount.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC ()

Gemini Compliance requested pieces of personal information about me, to which I have submitted on time as required ( see uploaded screenshot of email correspondence ). Since our last correspondence they have sat on this information, done nothing and now frozen my account with significant funds locked. I can't access my money and they did this with no prior warning or justification.

I've tried to contact Gemini via email, twitter and other means ( though they have no published telephone contact ). I can not get any response from Gemini and my funds remain inaccessible.

I need the funds unlocking ASAP as this is a completely unacceptable situation.
Consumer complaint received 2021-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance called me told me that your result show no merritt to my complaint why was I not contacted by you I am sure I am reading the contract n it's clear once the vichcle is distroyed in am not bound by the contract I have not been to work since car was totalled They won't refinance they are just down my throate for payment of a Ballance that they would have gotten over years I can't get another car because they showing up on my credit report owing XXXX Wich is inaccurate If they can sell my body and get paid that's what they have to do cause I have no money and no job soon due to this mess I owe them nothing
Consumer complaint received 2020-11-04
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. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I purchased something from a website on XX/XX/XXXX just to find out it was a scam. I contacted my bank and told them this and sent them emails exchanged between myself and the merchant. The merchant responded and stated that my refund will be sent within XXXX business days from the XXXX of XXXX. I sent these emails to my bank and they denied my claim for a refund. I then reached out to the merchant again to verify and they have been silent since the XXXX of XXXX. When I try to call the number on their website it says it is disconnected. My bank told me to resubmit and someone higher up will take a look. They then told me they will follow up. After about XXXX days I reached out and they said that it was denied again.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

I filed a dispute on XX/XX/2021 with American Express regarding a charge on my American Express Serve prepaid card for {$62.00} made on XX/XX/2021 to ship an envelope XXXX overnight priority through a third party shipper, XXXX XXXX XXXX XXXX. The package was delivered 3 days later than promised. Although XXXX agreed I should receive a refund or partial refund for not receiving the service I paid for, they said they are unable to process the credit because I went through a third party. The third party shipper is refusing to process the refund. Initially weather was used as a reason for the delay, however, that was debunked as the bad weather occurred the prior week, then I was told it was due to the pandemic - though they did not provide or post any notice or warnings of possible delays. I assure you if I was warned of any delays I would not have paid {$62.00} to send a piece of mail that would have cost XXXX XXXX to send through regular mail and would have arrived within the same timeframe. Furthermore, I was advised by American Express that I would be given a provisional credit if my dispute was not resolved within 10 days ( as per Regulation E ), which I have yet to receive. I contacted American Express Serve on XX/XX/2021 to inquire about the status of the dispute and the provisional credit, however, I was told I would not be given a provisional credit and I would need to wait up to 45 days or XX/XX/2021 for the final decision. They were not able to explain why I was not being given a provisional credit even after advising them of the Regulation E requirements.
Consumer complaint received 2020-11-05
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. (LA)

I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX 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 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 XXXX  Inquired on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (CA)

On approximately XX/XX/2022, I opened an Albert checking account under a promotion that promised a {$150.00} bonus if there were three months in a row of 1. direct deposits over {$200.00} 2. at least {$100.00} in debit card spend Qualifying direct deposits would also unlock cash back offers on the debit card. 

I repeatedly contacted Albert customer support since opening the account to ensure that I was properly meeting the bonus requirements. They clarified that the 3 30-day periods would start with the first direct deposit ( which was on XX/XX/2022 - an XXXX deposit that they confirmed on my direct deposit list and which unlocked my cash back offers that month ). 

Thus, according to them I needed one direct deposit and {$100.00} of debit card spend for each of 3 periods - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Immediately after setting up the account, I went to their " set up direct deposit '' menu and was happy to see that XXXX  host was listed as one of the options. NOTE that this " set up direct deposit '' menu flows directly from the {$150.00} bonus offer page. I have saved screen shots from the DD enrollment process and at no time in this process did they say that XXXX host was not a " qualifying '' direct deposit. It was one of the options immediately after the {$150.00} bonus offer screen. Because enrolling " automatically '' didn't work, I followed their instructions to add the DD manually instead. 

Upon receiving that first direct deposit on XX/XX/XXXX, it did not automatically post as DD. so I wrote to customer service. and they moved the deposit to my official qualifying DD list inside the app. They clarified that this would be my first qualifying DD and the 30 day periods noted above. 

This continued for almost 2 months that they would add my DDs to the official qualifying DD list and I would make the required debit card spend. Each time I wrote in, at no time did any Albert rep say these deposits wouldn't qualify for the bonus. ONLY qualifying DDs count to unlock the debit spend offers and each time my offers were unlocked, further representing to me that I was qualifying for the bonus as well. 

Until this past week when they suddenly claimed - two months in to a three month qualifying process - that my deposits wouldn't count for bonus purposes. When I pointed out the misleading nature of their dashboard, the customer service correspondence we'd had, and that nowhere in their terms did they state this... they literally waited a week to get back to me, added language to the terms that was not there before, and now refuse to consider these deposits as qualifying even though they've been affirmatively misleading me for 2 months. 

This is fraud and bait and switch. They can not revise terms on a bonus after the fact, and they can not affirmatively mislead their customers with their dashboard or their CSR responses.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (MO)

I am submitting this CFPB complaint to request of you to remove the fraudulent accounts and information off my Credit File at the earliest possible time. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off from my Credit File at the earliest possible time : 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 You have failed to send me the required documents to support your claims that the disputed accounts and information belongs under my name. Without these documents, please have the disputed items removed at the earliest possible time.
Consumer complaint received 2021-04-16
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. (MO)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX  and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (FL)

I have been reporting these fraudulent inquires to Equifax for months now. I sent certified letters with documentation and FTC reports, Police reports and other evidence and Equifax has refused to remove these fraudulent inquires from my credit. They are costing me time, most for certified mail, and XXXX  XXXX as these fraudulent inquires are interfering with my credit.