davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Credit 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: U.S. BANCORP (CT)

I received the wrong item from the seller and told the seller I would return it, but first they need to send the correct item along with a return label paid by the seller, and I never heard back from them
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

XXXX XXXX, Equifax credit reporting company additional information ion account has already been disputed .refused to make accurate reporting seen on my credit report. Scores shown on my credit inacuracted report this account is being graded incorrectly just Dispiuted. I received letters from automobile company called XXXX XXXX XXXX. XXXX, Account who ageed to resend additional letters this account wasn't never late this account settled. Before aggred. Owner name shown on the account XXXX XXXX. On his credit report correctly seen No late payments, seen on my credit report. Listed seen on my credits report late payments XX/XX/year>. Which incorrec
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

As of XX/XX/23, I paid an account listed on my credit report in full. This was reported to Equifax and the collection agency requested a delete and the account still remains on my credit report. 

This is a violation of the Fair Credit Reporting Act! This paid in full account remaining on my credit is hurting my good name.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a XXXX XXXX  victim. I have inquiries on my credit report that are the result of that XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/
Consumer complaint received 2023-10-26
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. (NC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2024-08-19
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I have attempted since XX/XX/XXXX  to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. Interest continues to accrue on the full loan amount, despite attempting to payback the loans.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

On XXXX XXXX I made a purchase in the amount of {$2600.00} using my Costco anytime visa by Citi, with the understanding that I would be given the option to take advantage of their program called Flex Pay. Before making the transaction I had spoke to a Costco employee who had used the program for a {$2000.00} purchase and was offered a 24 mo term. Great, the transaction posts and Im only offer 6mo. I call and ask why, but was basically told that the employee was wrong and that was the max term. Today XX/XX/year> I get an email stating that this same transaction is eligible for the flex pay ( I already accepted the 6mo option ), but theres a picture that shows a {$750.00} transaction with a 24mo option. So I call citi ( after using their chat feature with zero success ) speak to a supervisor ( XXXX ) and he even spoke to his manager and not one was able to explain to me why I with really good credit and a limited balance as compared to my limit ( which theyve increased multiple times without me asking for ) I was only offer a 6mo option and not 24 as others have been offered and they show in the advertising email. There has been no disclosure, no reason, nothing other than here are the terms take it or not. ( Which is also almost verbatim what the supervisor told me they were told by marketing ). This feels to me like its on the verge of a fair credit disclosure violation.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FISERV INC. (WI)

I filed a dispute with Telecheck for stolen checks/forgery. They were quite quick in agreeing with me that the items were in fact fraud. I received a letter confirming the same. I called in to Telecheck to confirm I could start writing checks again. The rep said they'd stay on there until XX/XX/year>. How is that fair or compliant with FCRA? They're fraud, they should be IMMEDIATELY removed. I faxed a letter to them telling them to get these items removed ASAP or else I'd file complaints with CFPB and my attorney. No response AT ALL. Called about 45 minutes ago and got a supervisor. She talked in circles. She said the fraud items would stay on the report but would " be marked as fraud ''. I want them off. She also said I could start writing checks again but they couldn't guarantee approval. I asked her four times what that even meant. We were just going in circles at that point so I just ended the call.
Consumer complaint received 2024-07-17
Product: Credit 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: BARCLAYS BANK DELAWARE (TX)

I have sent 3 letters to BarclaysXXXX XXXX XXXX XXXX did not authorize or approve the credit card account or the transaction of {$4300.00}. This transaction is related to a presentation to purchase a Vacation Ownership Plan. I did not accept the terms nor did I provide signatures/authorization on any documents. I've requested validation and evidence of acceptance/approval.
Consumer complaint received 2023-02-15
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-09
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have had security issues with my Citizens Bank checking accounts, particularly my personal account. I closed my original account, at the request of the bank as well as a subsequently account opened by the bank, that were subject to fraud. On XX/XX/XXXX, the bank arbitrarily closed the account, prevented me access to almost {$35000.00} of my funds and dishonored at least XXXX payment. When I called Citizens, I was referred to the fraud department. I was eventually told by a Citizens fraud agent that my relationship with the bank was terminated and that the my funds would be withheld until Citizens released them. On XXXX, I received a letter dated XX/XX/XXXX, informing me that on XX/XX/XXXX, at the close of business, I would be sent a check for the balance of the account. At all times during events, I have cooperated with the bank and have done everything they suggested to address the fraud issue. The issues were not caused by any intentional action or inaction on my part. The letter of XX/XX/XXXX suggested that I call my branch in XXXX, Massachusetts with any questions. As the bank was closed by the time I received the letter on XX/XX/XXXX, I called the branch on XX/XX/XXXX requesting information and, most importantly, access to my funds. I was promised a call back that day but have yet to receive XXXX.
Consumer complaint received 2023-10-26
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)

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 : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi there, my Paypal account has been permanently limited. At first it only notified me on the Paypal mobile app, I havent received an email or anything besides XXXX a few days ago informing me that recent account activity shown several issues with transactions which I tried to resolve which is true, they are all legitimate transactions that have issues that need to be resolved. Yesterday XXXX I was still able to make payments fine on Paypal, but today attempting to make a transaction through Paypal shows that I have no methods to make it. Going to the resolution center it tells me most of my account features have been deactivated. I have been a customer since XXXX  and have opened disputes for only legitimate issues, Paypal is important to me as I receive and send money through it as well as conduct transactions as well. I assure all activity on the account is legitimate and that I have been using Paypal as a normal customer within policy. I humbly request that my account is reviewed and restored to full functionality. Thank you and have a great day!
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX U S DEPT OF ED/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX U S DEPT OF ED/XXXXXXXX  ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (CA)

I disputed this account and asked for additional information of proof this belonged to me. I do not recall or have any recollection of this account. This account is showing on my credit report inaccurately and prohibiting me from buying a home. Please remove this in accurate account as soon as possible.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MN)

This complaint is against Ally Bank. On Friday XX/XX/2024 I made a deposit. On Tuesday XX/XX/2024 it showed that the deposit was approved. I know that it says that they can hold the deposit for 3 days and when it showed approved I had called Ally Bank and spoke with customer service representative, XXXX to confirm the deposit being approved. I specifically asked her, at any point can the deposit be returned even 1 day 3 or even a week? She told me that once a deposit is approved that I am good to go and that I have {$5100.00} in my acct. I did a {$2100.00} transaction that evening. The next day, Wednesday XX/XX/2024 the deposit got returned. I immediately called the bank and spoke with a supervisor, XXXX. He had seen the reason for my call and apologized that I was misinformed and that XXXX may need some more coaching and could not stop the transaction. I am now {$2100.00} over drawn in the account with the bank not trying to resolve or take any accountability for their employee telling me that " I am good to go '' with the deposit. I do not have {$2100.00} to cover that transaction. I would not be in this situation had their representative not told me that once a deposit is approved that I am good to go. If XXXX had said Yes that there is chance it can still get returned, I definitely would have waited and that was the whole reason for my call was to verify everything. My account has been restricted and I received a letter that I will be turned over to collections if my account is not brought up. I have filed a complaint with the Minnesota Attorney General and with the Federal Reserve Board, which sent me an email due to the type of bank Ally is, to file a complaint with Consumer Finance.