davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

Hello, On XX/XX/XXXX a payment in full of {$250.00} was made to my Macy 's account, after which a return of {$47.00} was made and credited to my account. On XX/XX/XXXX I chatted and spoke with XXXX XXXX to request a refund check for this credit balance. She stated a refund would be received with in 7-10 days and a confirmation email would be sent- which I received stating a refund check was issued and will be received in 17 days. 
I followed up on XX/XX/XXXX with a chat with XXXX XXXX XXXX confirmed a refund was issued on XX/XX/XXXX. I pointed out that the credit balance still shows on my account. He then stated he would raise a dispute and again I was assured that a check would be delivered within 7-10 days. To date, XX/XX/XXXX, I have not received a refund check, however, the credit balance has been removed from my Macy 's account, currently {$0.00} balance. 
As you can calculate, this has so far been a process of 8 weeks, confusion and a lack of follow-through on the part of Macy 's protocol, management and employees, and phone holds that last 30 minutes plus. Disappointed and frustrated is an understatement when I have been a Platinum customer for years, and I have made my payments promptly to Macy 's! 
I certainly hope you can assist me with this seemingly minor situation. I am able to summit copies of chat conversations with the above employees of Macy 's if needed. 

Thank you so very much for your time and assistance! 
XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (MI)

After checking my credit on XX/XX/year> I found that I have 8 unauthorized inquiries on my consumer report from Experian.The following companies XXXX XXXX XXXX dated XX/XX/year>XXXX XXXX XXXX XXXXXXXX date XXXX XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Experian business credit on XX/XX/year>, XXXXXXXX XXXX  on XX/XX/year>XXXX XXXX XXXXn XX/XX/year> has accessed my information without my consent. I disputed these inquiries with Experian and demanded for removal. This is unauthorized use of my credit and there is no accounts connected to any of these inquiries. Please get these inquiries off as I have no knowledge of doing any business with these companies.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I received a check from a job that I had applied for. I applied for a job with a healthcare company and the check came from a healthcare provider so I assumed it was a legitimate job. I went through the interview process and was told I had been hired but I needed to go through training. I was told that I needed to purchase the equipment to be able to do the job and since the company was out of the country I would need to buy the equipment myself. When I received the check my manager wanted me to deposit the check into my account but wait until it cleared before spending any of the funds. I thought that once the check cleared it was fine because what bank would clear a bad check? I waited until it cleared and notified the hiring manager. She proceeded to tell me to send the money via XXXX to 2 different accounts. I was told that I was sending money to Vendors who had the equipment and they were going to come install it at my house. I was told to send {$2000.00} to one person and {$1500.00} to another but the transfers were broken up into separate amounts. She also wanted me to send money via XXXX XXXX but XXXX XXXX refunded it back to me. Her last request was for a {$500.00} gift card. She asked me to take a picture of the card and send it to her. She wanted me to buy the gift card so that I could use it to get a landline installed at my house. I was told to go to XXXX XXXX and purchase a printer and headset for the job as well. 
The hiring manager sent me a {$4500.00} check asked for nearly all the funds back and once the check bounced I was left with an account that was {$4500.00} in the negative. Bank of America cleared the check but they are refusing to take responsibility for it. I also quoted Federal Regulation E, from the EFT Act that the Bank must reimburse you even if you sent the money yourself and someone induced you to send them money. When I called the Bank, I was told that this is a common scam but they are unwilling to do anything about it. 
The bank cleared the check so I thought this was a legitimate job opportunity. There was no protection for me from the bank, they should have stopped the transactions immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX XXXX My only social security number is My only correct date of birth is My only employer is N/A I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report as they are not deliverable to me by the XXXXXXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, Enclosed is my Drivers License and Proof of Resident.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I made a check deposit in the amount of {$600.00} at the NFCU atm in XXXX XXXX, CA on XX/XX/2023. 
After finishing making my deposit I checked my receipt and noticed that no funds became available, so when I checked my list of transactions, I didnt see my deposit showing as pending, so I contacted the bank twice and on the second time I spoke to a representative named XXXX XXXX who told me that my deposit will only process on XX/XX/2023, four days later. 
I asked her why my deposit was not showing even as pending, and she kept repeating that it will only process on Wednesday XX/XX/2023, but she would not tell me why it was nit showing pending or on my transactions records at all. 
This is the second time in the same week that NFCU does not post my deposits on my account and funds goes missing, becoming not a bank that I can trust with my finances. 

I am attaching screenshots of atm receipt as well list of transactions, but deposit does not show or reflect pending, and text confirmation of deposit received immediately after making deposit.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (GA)

I am writing to formally request assistance in the arbitration process concerning my credit report. 

Credit Card Issuer : XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX Issue : The credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Furthermore, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that all three credit bureaus engage in an arbitration process with XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX  XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I reached out to this company and gave them my information ie name, telephone number, and email was told I was on a recorded line to which I also recorded the conversation with a lady named XXXX, customer service and was told they were unable to locate any record with my information. I informed her that they were reporting fraudulent charges to my credit and asked to be transferred she told me again I was on a recorded line and that they had no information for me in their system and could not help me further, however they are reporting two fraudulent accounts to my credit report and violating my rights under the FCRA. I would like these removed immediately
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (VA)

As I was reviewing my credit report I came across some unauthorized inquiries. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OK)

I am writing to report an error on my Experian credit report regarding my Social Security number. The incorrect SSN listed has caused confusion and could lead to further issues with my credit profile. Please correct this error promptly to ensure the accuracy of my credit information. 

i have inclosed a photo of my id ssn and my address XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-11
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)

Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Im accordance with the fair credit reporting act XXXX account XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Date : XX/XX/XXXX To : Consumer Financial Protection Bureau.gov ( XXXX ) From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX : XXXX RE : Complaint against Bank of America NA Checking Account : XXXX Routing # : XXXX Bank of America not paying Checking and Debit Card Rewards and Deals that I have earned and are due me. 

Bank of America Customer since XXXX Overview : Bank of America has not paid me for my BankAmeriDeals /Rewards on my Checking Account / Debit Card Transactions that I have signed up and earned My rewards balance shows online as {$67.00}. 


XX/XX/XXXX, Spoke with BoA Customer Service Representative and then her supervisor today. I explained carefully to her that I am signed up for 119 BankAmeriDeals. She said she sees my account signed up for ZERO Bank of America Deals. I have print screens attached that show all 119 Deals. How can an Account Supervisor look at my account and see ZERO deals I am signed up for? Please refer to print screens attached. Also, please note the Customer Service Representative asked me to click on " Browse with Specialist '' so she could see the same screen as I was seeing, I did it gave me a four digit #, which the associate asked me to give her, and she said her screen just was sitting there spinning. Her supervisor would not allow me " Browse with Specialist ''.