davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( XXXX, TransUnion and XXXX ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

On XXXX I purchased {$500.00} dollars in bitcoin on the cashapp app. 

Because I was going to have " XXXX '' on XXXX to invest it to make me money in bitcoin mining. 

I soon after sent her or him two separate bitcoin transfers of {$250.00} dollars and {$240.00} dollars in bitcoin to the Bitcoin address server XXXX XXXX few days later got the email invoice from XXXX asking me to pay an extraction fee of {$1600.00} to receive my profit. 

XXXX never told me about this. This wasn't the agreement I made with her or him. 

I thought this business proposition was real because there was video testimonials of other people on XXXXXXXX XXXX XXXXXXXX profile saying and demonstrating this was legit. 

I contacted the cashapp company about this. And asked for my {$490.00} dollars sent back to my cashapp account since I now know this is a scam. But the customer support agent named " XXXX '' on Cashapp told me. " Cash App is unable to reverse a bitcoin transaction once it is initiated. ' That doesn't seem right to me that Cashapp is just going to let this scammer, or these scammers steal from me, and continue to steal from others.
Consumer complaint received 2023-08-14
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. (MI)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

The frost branch in XXXX, TX called me to my personal cell phone and left a voicemail by representative XXXX. In her voicemail she stated she was calling me to follow up on a bank account I supposedly opened. I searched for the official Frost banking website and called their toll number. The toll number operator searched my physical address and stated an account did not exist with my physical address. He did confirm there was a rep by the name of XXXX in the XXXX, TX branch. He suggested I contact the branch. I then contacted the XXXX branch and was transferred to speak with XXXX. I told her I did not authorize a bank account to be opened but she asked me for my social security number so the account opening process would not follow through. I told her that I did not feel comfortable providing my social security information over the phone. Days later, I received a notice stating an account had been opened with my information without my consent. Frost bank violated the Fair Credit Reporting Act by opening an account without my permission I never provided any PII, identity documents or signed any papers allowing for authorization.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

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.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I received a harassing letter from the servicer regarding my home owner 's insurance and the renewal. They have the information on file and have even reviewed and approved the insurance. Despite this, they are threatening to use force placed insurance on our residence. Servicing of this loan was recently changed to this servicer and they should not send this type of letter. They should communicate with the prior servicer if there is any issue.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023, I received two checks from XXXX XXXX in the amount of {$5000.00} and {$500.00} which I deposited into my checking account. The rent was to cover 2 months. On XX/XX/2023 the bank send me a " Notice of Delayed Funds Availability '' for {$5500.00}. The reason was they stated that they believe the funds would not be received by me, as the check information was inconsistent. On XXXX XXXX XXXX I received another notice that the information was inconsistent, and they would hold the funds 90 BUSINESS DAYS until XXXX XXXX XXXX  I reached out to several branches in person and over the phone, and was told they could not speak to me. In the meantime, I reached out to potential XXXX  and provided them copy of the letters. They discussed with their bank, and their bank Said Citizens did cash the checks and were in possession of the funds. Yesterday, XX/XX/XXXX, the XXXX came to the house. We were forced to cancel the XXXX as I was not in possession of the funds. This will result in me loosing {$2500.00} in XXXX income. At that time, we reached out to their Bank, XXXX XXXX, and was advised by their branch manager, that to date ( 40 DAYS ) that the Branch nor back office of bank has ever had any communications via phone or in writing from Citizens trying to verify the authenticity of the check. My complaint is, is it legal for a bank to hijack funds and sit on it for 90 Business Days? Aren't they under some type of obligation or regulation to resolve the issue right away? Why did they cash the check if they questioned it? Why haven't they reached out to XXXX XXXX?
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I check my credit religiously meaning daily. My Experian credit score dropped XXXX points on XX/XX/2023 when there were NO changes to my credit report. IT'LL USUALLY TELL YOU THE CHANGES THIS TIME THERE WE'RE NONE. When I say NO changes I mean NOT ONE. No added credit nothing was deleted my balances didn't decrease OR increase. No inquiries in over a year absolutely nothing happened. I think your system is glitching. I need you to restore my points ASAP. 
I spoke to XXXX on XX/XX/2023 who verified there were NO changes to my account he also spoke w a Supervisor neither of them could figure out why my score just dropped XXXX points when nothing was even reported. He created a case and assured me on the call that my points would be restored. Experian case # XXXX.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

When I opened this account around XXXX of XXXX, I was given a credit limit of {$7300.00}. I have never missed nor have I ever been late with a monthly payment. Yet in spite of that, my credit limit has been decreased to, ( {$5700.00} in XXXX, {$5300.00} in XXXX, and {$1700.00} on XXXX XXXX ). The latter is after Ive made payments of {$180.00} on XX/XX/XXXX, and {$3300.00} on XX/XX/XXXX, towards a balance of {$5000.00}. Which took my balance down to {$1600.00}. I received a letter via email the very next day stating my limit had been dropped once again, making my available credit {$130.00}. Every time they have decreased my limit, my credit score has dropped. Then they state that my score in part is the reason for the decrease.
Consumer complaint received 2023-08-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have not been able to log into myEquifax.com for approximately a year now. I have contacted Equifax on MULTIPLE occasions and have been told by the rep on the phone that they can see why I am unable to login to their site but can't tell me. 

I have called at least a half dozen times. I received an email dated Mon, XX/XX/XXXX at XXXX XXXX advising me that " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. '' I have tried to log on several times, most recently today XX/XX/2020 to dispute erroneous items on my report. I still get the same error message, " We are temporarily unable to complete this request. Please try again later. '' that I have been getting for months. 

They have updated their phone system to voice only when I just tried to call AGAIN and I sniffled and it hung up on me. 

Every time I have to deal with this company it is nothing but trouble. They should be shut down after the data breach and the lack of any sort of customer service. 

It should not take months for me to be able to access my account online when they practically are forcing me to file a dispute online. Their phone system EVERY step of the way repeats " did you know you can file your dispute online at any time? '' NO I CAN'T AND IT IS A REAL PROBLEM. 

They are holding me XXXX as I am trying to secure a mortgage and I am unable to dispute items on my report as I can't log into my account online and the phone automatically hangs up on me. 

This company should not even exist after their data breech in which my data was stolen. Now I can't even dispute an item on my credit report or talk to any person about the issue.
Consumer complaint received 2023-08-14
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. (MD)

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( Experian, XXXX and XXXX ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

Via my previous employer, XXXX ( owned by XXXX XXXX XXXX ), benefits program, I was able to open an XXXX account and XXXX  account - both managed by Webster Bank under their " XXXX '' brand. Both accounts are solely funded by my deposits. There are no matching funds from XXXX placed into either account. Neither account has a " use it or lose it '' policy within a calendar year. That is, no unused funds expire and all unused funds roll-over into the next calendar year. 

I am no longer with XXXX but am still able to use my XXXX debit card until all of the funds are depleted. Since I'm no longer commuting to an office, I called XXXX XXXX asking to cash-out the {$880.00} in my XXXX  account. Instead of informing me how to withdraw the funds- and possibly issue a 1099 statement- they told me that I can't access the funds because I am no longer with XXXX. 

If the account was funded by XXXX or if it was a " use it or lose it '' account, I could accept Webster Bank 's response- but neither is the case. I believe it is illegal for Webster to take my funds and I want my money back.
Consumer complaint received 2020-06-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2020 XXXX XXXX charged my USAA credit card for {$5000.00} for a cruise departing from XXXX XXXX on XX/XX/2020. XXXX cancelled the cruise due to the virus. They offered two options for reimbursement and I selected the option giving me 25 % future cruise credit and 100 % refund. They acknowledged my selection via email on XX/XX/2020. My booking number is XXXX. On XX/XX/2020 I called XXXX inquiring about the refund. I talked to a XXXX XXXX and she said within 60 days I will receive my refund. I have called back a number of times and unable to receive any specific information other than they are working on the refunds. Now it is almost 90 days and still waiting for the refund. 
On XX/XX/2020, I wrote a dispute letter to USAA Credit Card Services disputing the charge of {$5000.00}. To date USAA has never contacted me about the dispute. I have called USAA a number of times, including today XX/XX/2020. I am unable to get any answers despite asking for a provisional credit of {$5000.00} to be posted on my account. To date USAA has not credited my account. This is unacceptable customer service.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

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.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-14
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: CITIBANK, N.A. (PA)

I asked the creditor to refrain from reporting any personal or financial information to credit reporting agencies without my consent in accordance with consumer protection laws specifically invoking my right under the fair credit reporting act FCRA. Creditor is reporting information without consent.
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-06-20
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. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-08-14
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 XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-09-01
Product: Credit reporting 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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-06-20
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: CITIBANK, N.A. (TX)

In accordance with the fair credit Reporting act Citi acc # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also States a consumer can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer Report ' does not include-any report containing any information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.