davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Transunion inquiries issue and their customer support does not want to help their customers to remove all those fraudulent inquiries from the report. 

XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, # XXXX - XXXX, and # 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 instruction
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation.

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (HI)

in XXXX I came to look at solutions for going back for my XXXX XXXX since I used chase for student loans in the past. They no longer had that service, so she directed me to credit cards. I had no job, but was getting rental assistance from my parents ( less than XXXX ). The employee was fixated on getting me approved, in spite of this lack of income. She stated this can be considered income, even though I had only a couple of months of the assistance left. I refused to put this on the application. Chase was using a pin pad to complete the app, which shut down in the middle of my application, and the employee stepped in to sort out the issue with it. I could see she had moved past a few screens and assured me these were simply prompts to get back on track. When Covid hit, I had trouble making payments, and when consulting with bankruptcy, they wanted to see my application since this did not make sense to them that I had been approved in the first place with such low income under the XXXX Ability to Pay rue that had been enacted before my card application. Chase would not give me an application copy. I called and called until they let it slip I was given conditional approval based on less than XXXX yr. The issue there is I did not input any income. Many attempts to resolve this are met with chase counting this as a duplicate complaint, in spite of new information emerging. They said they could not verify anything with the employee. Now, in XXXX, chase was being investigated for many kinds of fraud in mortgages, inflating income, credit cards etc. and I know they were up to the same at this branch. It was one of the busiest branches we had in the area. Today I have learned the branch that gave me the card was closed years ago, and in spite of me being a customer, I was given no notice! 

Chase Bank at XXXX XXXX XXXX XXXX, XXXX, OH XXXX was closed without first informing us. Banks are legally required to inform customers of a branch closing according to the Federal Deposit Insurance Corporation Improvement Act of XXXX. 

This is just another example of the lengths this bank will go through to cover up their issues. Even when during covid, we have plenty of documentation that their bankers were committing fraud to enrich themselves. My bank teller had incentive to gain an approval, because she said it she gets paid out on approved apps. 

I know they will mark this as a duplicate. I spoke to others who believe this bank needs closer inspection as they no doubt committed fraud in other areas within this branch.
Consumer complaint received 2018-06-25
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. (TX)

Equifax and XXXX  keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
XXXX has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
Equifax just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

Received a notice from my new monitoring service regarding an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$89.00} and another for {$64.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

To whom it concerns 1- What is the complaint about! 
XXXX XXXX XXXX in XXXX, NJ closed my account for having my Home-Depot card on time payments of XXXX per month. I started the payments 6moths ago and never missed one payment. XXXX XXXX is the bank that Sears uses for credit card holders. 
My payments to my credit card is impeccable for years. 
What Happen! 
I received a notification from Sears that they closed my account because of time payments to Home-Depot. I called them ( SEARS ) and asked why and they said because of Home-Depot. I owed Home-Depot {$250.00}, I paid them off today, I no longer owe them anything. 
What company is this complaint about! 
The complaint is about XXXX XXXX XXXX, XXXX, NJ Who are the people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2018-05-25
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. (OH)

Accounts XXXX and XXXX were added without my knowledge. Furthermore, I have no knowledge of the accounts that are reported. I contacted Equifax and reached out to the companies reporting. I still haven't received any information regarding accounts and Equifax is still reporting. No other credit bureau 's are reporting XXXX account. Now, recently they added XXXX to my credit report without my knowledge. I do not recognize these accounts and do not belong to me. It has also been past the 30 days allowable timeframe, as I've been in contact regarding these accounts since XX/XX/XXXX. This is in violation of the FCRA and FDCPA.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.
Consumer complaint received 2018-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc. (TX)

I have recently tried to fix my credit. There was a collection of {$99.00} that XXXX XXXX XXXX XXXX said that I owed. It was sent to RSI Enterprise collection agency. It went against my credit back in XX/XX/XXXX .... It is now XX/XX/XXXX, and I found out that my insurance paid it, so I disputed it on ALL 3 Credit Bureaus. The Bureaus declared it was paid, so they removed it from ALL 3 Bureaus. 2 days after the Bureaus removed it from my credit, I got 3 more bills from the collection agency saying I now owe a 1 ) XXXX bill, 2 ) {$98.00} bill, and 3 ) {$19.00} bill, that totals {$130.00}. I haven't received ANY BILLS from this collection agency since XX/XX/XXXX or so ... .I haven't been to that doctor since XX/XX/XXXX. How can the collection agency pull NEW BILLS out of the air. I believe it is fraud, but can't prove it
Consumer complaint received 2018-06-25
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. (FL)

I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (RI)

Today, XX/XX/XXXX, I noted an abnormal charge ( from Experian ) on my bank account for {$21.00}. I called the number associated with the transaction and was advised that on XX/XX/XXXX, I signed up for a 7-day trial credit-monitoring service for {$1.00} which would turn into a recurring {$21.00} monthly charge if I failed to cancel the service before the end of the 7-day trial period. 

I honestly don't remember signing up for this service ; I do, however, remember paying {$1.00} to view my credit score when I requested my credit reports from all three credit agencies ( via XXXX ) at the beginning of the year. Is Experian not required to give me more information surrounding my alleged subscription for this service and the terms I allegedly agreed to? 

I have been charged for this credit-monitoring service for the last five months. During the last five months, I have received zero monthly statements for this bill and zero receipts of payment from Experian. The service representative I spoke to claimed that I should have been aware of these charges because they were showing up in my bank statements. 

Are businesses allowed to pull money, on a recurring basis, from a bank account without notifying the owner of the account? That people are assumed to review their bank account statements is no justification for the business ' failure to provide monthly statements or receipts. XXXX and XXXX are just two of the companies that take recurring payments from my bank account and still have the courtesy of providing me with monthly statements and/or receipts. Is that what notice of a monthly recurring fee is - a courtesy and not one required by any consumer protection statute or regulation?
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (KY)

I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.
Consumer complaint received 2018-03-12
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: ALLY FINANCIAL INC. (LA)

It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2018 XXXX and Equifax has my credit score dropping over 38 points for transunion and 48 points from Equifax There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the XXXX web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excellent EQUIFAX Updated XX/XX/2018 Calculated using XXXX XXXX
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm trying to send money to myself overseas using XXXX XXXX but Capital one refuses to let me use the service blocking XXXX XXXX from removing the funds from my account. Forcing me to use their credit card so I can pay {$30.00} fee plus interest on money advance when I have funds on my bank account. I tried to contact them twice and the last time the person who I spoke with told me that was nothing they could do about that. That they would not allow XXXX XXXX to remove the funds. The money is mine they can not force me to pay fees that I wouldn't if I had a different account.
Consumer complaint received 2018-06-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX, I made an application for a mortgage with Navy Federal Credit Union and paid {$18.00} for a credit report inside the Navy Federal branch XXXX Florida. I received an email which assigned XXXX XXXX as my loan officer and uploaded my documents. I waited a few days before I reached out to her despite the email saying that she would contact me. On Friday XX/XX/XXXX> I briefly spoke with XXXX XXXX who stated she couldn't get me the original loan request but if I could accept a lower loan amount she would send the loan application to the underwriters. I waited a few more days and emailed her on XX/XX/XXXX at which time XXXX XXXX responded that my loan application was denied and that I would recieve a letter in the mail. Ive been waiting on the this letter since but have not recieved one. I called the customer service phone number for Navy Federal on XX/XX/XXXX to inquire about the denial letter, I was told that XXXX XXXX would email the letter by XX/XX/XXXX as the Mortgage person could not see what the reason was. I have not received an email or letter yet regarding the denial.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Upon opening up a Wells Fargo checking account I was asked if I wanted a credit or debit card. I stated my desire for a credit card and sent a debit card. I check with the WF official and was informed that they ordered me a debit card as it offered me additional benefits. I asked about all the other benefits associated with the credit card and was informed that they were identical. 

Upon needing to use a credit card benefit, I was informed that the benefit was not on the debit card. Wells Fargo was contacted and a representive in the Executive Office indicated that there was an internal investigation and the bank was unable to help. 

This is clearly a matter where an employee, a number of years ago, went against my request and unilaterally sent a different card. Then the employee gave assurances that the card benefits were the same between the credit and debit card. 

A consumer should not be the subject of mis-information and the results of the internal investigation should be shared.