davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to 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 effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I would like to sue Capitol One Financial. Rented a car from XXXX using the Mastercard platinum car rental coverage. This was in XXXX of XXXX. Ran over a dead dog carcass and sustained XXXX dollars damage. When I tried to file a claim they said that the car rental coverage had been discontinued. I said that I did not get notified. After numerous calls and inquiries I was told that the coverage had been discontinued as of XX/XX/XXXX on the XXXX page of the online statement. I said, " are you kidding me. ". The spokesman from Mastercard read from I guess a memo saying that Capitol One should notify cardmembers by letter, email, or online statement. This is outrageous. I have been stewing over this for a year. They refuse to reimburse. I don't know what the legal angle would be on this case, lack of due process, lack of proper notice, negligence, ethics. I don't know but I want to sue them. I am XXXX XXXX XXXX with a XXXX XXXX so I could not handle small claims. Let me know if you can help or maybe refer to someone who can. Thanks for your time.
Consumer complaint received 2019-02-17
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. (TX)

XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to 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 effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to 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 effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (CO)

Upon checking my credit reports I found a new collection from Caine & Weiner on behalf of XXXX XXXX XXXX, XXXX. I never received notice to dispute this collection as it is a fraudulent charge and would have immediately disputed it. Caine & Weiner is likely aware of the dubious nature of the company and their charges and that is why they conveniently failed to send the proper notice before preceding to damage my credit rating.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I have been in communication with XXXX Insurance with fraudulent charges made to my business account since 2021. The sum is a rough estimate of {$1000.00}. XXXX is well aware of the issue and I have done everything on my end that was required to receive funds back from merchant. My bank refunded me per visa and debit card 60 days of charges. I am still owed for the months my bank will not cover as this is not their responsibility. I have been to my bank to obtain documentation to submit to XXXX fraud department which I faxed per their request. It has now been 3 months and XXXX has not notified me of any advance on their part. They simply redirect me to my bank. I have called 12 times and still no resolution on money they were taking out of my account they are aware are fraudulent. I have hit a wall and just want the merchant to reimburse me and give me documentation after so I can file with police to hopefully get resolution legally on person or persons using my info to pay XXXX for whatever it was. XXXX wont release any info per privacy. This has been going on for years, sometimes twice a month and different increments.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (VA)

I did a totally legal sale of a home in XXXX XXXX, Virginia. I took a cashiers check to pay off my mortgage with XXXX XXXX XXXX XXXX in XXXX, VA for XXXX dollars. They in turn gave me a check for XXXX in return for the overpayment. This was a Certified Cashiers Check. I deposited the check at an ATM for Truist bank in XXXX XXXX, NC. Then some overzealous Fraud Investigator at Truist Bank locked up my ac count for 7 days pending investigation. I have banked with Truist ( BB & T ) for 28 years. I am a XXXX XXXX XXXX XXXX and a former XXXX XXXX XXXXXXXX XXXX. I have spoken numerous times to the fraud department and then went to the Local Truist bank Manager and She has been trying to help. In the mean time my account has been locked for 3 days and I have automatic debits bouncing and am worried that my excellant credit rating will be ruined. I need help.
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, I sent a XXXX payment of {$1000.00} through my Bank of America app. I noticed after I sent the payment that my intended recipient didn't get the monies. Thus, I went back into the banking app and noticed that my phone had inadvertently put in a different digit into the phone number than that of the intended recipient. So, as a result of this one digit error, the monies got sent to the wrong recipient. Upon realizing this, I looked for a " cancel transaction '' option as laid out in the XXXX website, but found that Bank of America did not have this option. I requested the monies back from the mistaken recipient, only to be lied to and told by said recipient that they do not have or use XXXX ( which is a clear lie as the recipient 's name popped up on the XXXX transaction ( which wouldn't populate if the user were not registered on the platform ) and feigned ignorance. I called Bank of America and was told that because it is a authorized transaction, there is nothing that they can do. How is it that a platform that a financial institution " owns '' and utilizes for their customers does not offer any protections or recourse for transactions that have been done in error? I don't think XXXX should be allowed or they should at least protect the consumer by allowing for clawbacks of funds sent in error. Why should someone gain so much from someone's mistake?
Consumer complaint received 2023-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

chase bank closed my account with no explanation to me even though i asked for a reason when i went to get my money out of my account they would not give me my money because they restricted my account that is my money i work hard for my money i will not except a check i want cash in hand this has put me in a bind as i have no cash for food gas or even money for food for me or my daughter!!! i need my money i will take this to court if i need to i do not work for free and withholding a persons money is illegal i want this resolved by today and i want my cash chase bank will not be getting anymore money out of me at all!
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. 

On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. 

I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. 

I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. 

Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. 

Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. 
XXXX. Complete XXXX or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$500.00} when your direct deposits total {$6000.00} or more
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc. (AK)

Cornerstone credit is attempting to collect an incorrect amount on a medical bill from XXXX XXXXXXXX XXXX associated with XXXX XXXX. XXXX XXXX was made aware of the billing error, it wasnt fixed as they stated it would be and instead sent the bill to Cornerstone. Cornerstone has been made aware of the error. Our health insurance company states that XXXX XXXXXXXX XXXX needs to re-submit a corrected bill. Neither Cornerstone nor XXXX are making the corrections and instead we keep getting repeated phone called from Cornerstone continuing to collect an incorrect amount.
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXX XXXX XXXX is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (FL)

XX/XX/XXXX a background check was submitted by Checkr on behalf of XXXX, releasing inaccurate & misleading information regarding my consumer report. Stating I have a criminal history from XXXX, which is inaccurate reporting, negative, & outdated, over 7 years old, another charge of which isnt mine, a XXXX XXXX XXXX XXXX  which is not mine as well. I contacted multiple times regarding the issue, they said theyre not changing any information thats on file, based off the last investigation. Truthfully they never reinvestigated, nor contacted local & state police departments for up to date correct report.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

I've made several attempt within a year and no results, from LexisNexis for false or inaccurate information. Obtaining variations of names, birthdate, addresses, SSN, telephone numbers and employers. References # XXXX that they assigned me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I learned about the fraudulent transaction when I received a bill in the mail from Synchrony Bank. I thought this credit line/credit card was closed when it was paid off four years ago. I reached out to Synchrony to file a fraud investigation. They were very unprofessional, transferred my call many times and then disconnected the line. After several attempts, I learned someone went into XXXX XXXX XXXX  in the XXXX, NY and made a purchase for my max credit line of {$11000.00}. The person showed a photo ID and a XXXX credit card. I informed Synchrony that I do not have a XXXX credit card ( something that can be easily verified through my credit report ) and that I was no where near the XXXX, NY on XX/XX/2022. I further explained to Synchrony that I was working for my employer, had a swim session for my son, and a dentist appointment that day. Three different places that can validate my location in XXXX New Jersey. After months of gross negligence and failure to properly handle my case I filed a police report. The police report was filed on XX/XX/2022 with the XXXX XXXX Police Department. Case # : XXXX
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (AR)

I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed items as soon as possible.
Consumer complaint received 2023-03-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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.