davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX : Bankruptcy Reference Number XXXX Please block and remove this Bankruptcy from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-06-08
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. (GA)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2024-06-30
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. (NJ)

On XX/XX/XXXX at XXXX, I attempted to log into Equifax.com. The website provided a message there was on a problem on their side and I should try again later. On XX/XX/XXXX at XXXX, I retried. The website did not recognize a proper username and password, then locked my access after 3 tries. I called the support number, XXXX. The agent requested account information : name, SSN, telephone number, address, etc.. I provided everything she required. She was unable to resolve the issue and indicated she would escalate the problem and that the escalation team would reach out shortly. 3 hours later, I recalled the support line have not heard from anyone. I reached a new agent who asked for the same same account information as the previous agent. Again, I provided this data. She too was unable to resolve my problem. She then transferred my call to the Office of Consumer Affairs. A gentleman named XXXX took the call. He indicated I would have to send copies of my SSN and drivers license for them to assist and it would take 7-10 days. I questioned the need for sharing these personal documents. He indicated they would not assist otherwise. When I asked to speak with a supervisor. He refused and indicated I could recall the support line but would end up with him again. There are no telephone numbers online which are active for Equfax Corporate offices for me to call. NJ XXXX XXXX XXXX 's office suggested I reach out to the CFPB for assistance. Please help as we are senior citizens and are fearful of sending our SSN and driver license cards to anyone. We always hear these should never be shared with anyone. Thank you.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION (CO)

Hi, I used XXXX, which Truist promotes, to transfer money from my Truist account to another bank account which I own. The amount was not very much. 

However, doing so caused Truist to claim that they suspected fraudulent activity. Therefore, they completely locked access to my online banking, something I rely on daily. Fortunately, when this happened, I was able to go into a branch, verify my identity, and they told me the issue would be resolved. It was not resolved. 

I do not currently live near a Truist branch. When I called their customer support to inquire why my online banking was still locked, after holding for an hour to talk to someone they said I need to go into a branch and verify my identity. I explained I had already done that, and it didnt resolve the issue. I have called the Truist branch itself about 100 times to follow up on why my online banking was still locked, and they have not once answered the phone or returned my call. XXXX. In fact, I called nearly every branch in XXXX XXXX, and they just don't answer the phone. 

There is nothing suspicious or fraudulent about sending a small amount of money, to MYSELF, using the tools on their platform which they promote. I already went into a branch with my passport to verify my identity on XXXX at the XXXX XXXX XXXX by XXXX XXXX. It is impossible to contact anyone at Truist by phone. Calling their support center takes an hour of holding, and then they refuse to do anything useful or helpful if you talk to them. The steps they have taken to " protect '' my account are doing the opposite, because I can no longer access or monitor it.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included XXXX specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

XX/XX/year> - I was in the process of booking a flight on XXXX XXXX. As I was preparing to checkout and pay, there was a promotion for the Citi AAdvantage credit card. If I apply for the credit card and use it on this purchase I can earn a {$200.00} account credit making my flight purchase net {$200.00} less and I would earn XXXX bonus miles due to the amount of the purchase. I clicked the " Learn More '' button which took me to a Citi website where it also advertised a " XXXX XXXX '' offer of the {$200.00} account credit and XXXX bonus miles. I clicked the " Apply Now '' button and began my credit card application. 

I was immediately approved and my credit limit is {$28000.00}. I received an email indicating my account is considered open as of today ( XX/XX/XXXX ), and I will receive my credit card in the mail within XXXX business days. 

That being said, I am unclear how I can use this card to complete my purchase on the XXXX XXXX website. 

I called Citi hoping to get access to a temporary account number so I can complete my purchase, but after getting transferred to multiple different departments and speaking with different agents and a supervisor, I was told they could not give out any information and I have to wait for the physical card to come in the mail. 

The only reason I opened the credit card was to get the " XXXX XXXX '' rewards ( bonus miles the statement credit ) from this purchase and the card member benefits when traveling on AA. I need to book the today flight because the rate will go back up and I wanted to get the rate I found today which was {$500.00} less than what I have been watching. 

This is predatory marketing and completely misleading. This is terrible customer service. I don't even have the card yet and I am upset with the company. Applying for the card made a hard inquiry on my credit for no good reason as I can't even use the card today. 

I will have to use a different credit card to complete my purchase which means I will not get any of " XXXX XXXX '' promotions advertised or any of the cardmember benefits for this flight with XXXX XXXX ( free checked bag, priority boarding, discount of in-flight purchases, etc. ). Citi needs to find a way to make this right with me.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX  XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from capital onephone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I RECENTLY OPENED UP A NEW ACCOUNT WITH CITIZENS BANK XX/XX/2024. AND I JUST FOUND OUT SUNDAY XX/XX/XXXX that they closed my account. I HAVE money coming into this account that I need for the week to pay my bills and they are holding the funds in the account.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

Referencing case # XXXX U.S. Bank denied my fraud claim for account XXXX. I have a court ruling in my favor dated XXXX XXXX with XXXX XXXXXXXX XXXX XXXX. These loans were a direct deposit into U.S. Bank Account XXXX. I am requesting U.S. Bank reconsider and accept my fraud claim for account XXXX due to this recent court ruling. 


XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX  - XXXX Acct - XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX - XXXX Acct XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2023, XXXX XXXX charged our debit card XXXX times in one night. I received an email saying that fraud charges were suspected from our bank, Wells Fargo. The following day, I tried to use my debit card for a purchase and it was denied. I went online to check my account and noticed numerous charges made to XXXX XXXX ( XXXX to be exact ), resulting in over {$1700.00}. I immediately called the bank and disputed the transactions. New cards were issued for both me & my husband since they had froze his card as well. The bank opened a claim and said it would be 10 business days before we heard anything back regarding the issue. 
The next day, I looked on my account and noticed that the banker hadn't caught all the transactions, so I added another claim. Meanwhile money was coming out from other bills and resulted in some overdraft fees. I didn't worry about it because I assumed that the bank would refund us the money once the claim was resolved. 
After awhile, since it was the holidays, I finally called to ask what was happening with our claim. The lady assisting me said that their investigator came to the conclusion that the charges in fact were not fraud and that they wouldn't be refunding the money. How can that possibly be? There's no way that we charged our XXXX  XXXX times XXXX night resulting in over {$1700.00}. I was angry, but the banker assistant couldn't help me anymore. I still have not received a letter or anything regarding the claim from Wells Fargo. It has been over XXXX now. 
We have been banking with Wells Fargo for at least XXXX years and never have had such a disturbing issue before. I have submitted fraudulent charges in the past and been refunded. I don't know why I am not this time. It is very upsetting to have money taken and then the bank not doing what they're supposed to be, protecting their customers.
Consumer complaint received 2024-06-07
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

On XX/XX/23 I contacted Mercedes Benz financial and spoke with a Level 3 representative and requested a payment extension for my XXXX payment which was due on XX/XX/23. On that day I paid {$160.00} to cover the extension fee required to process the extension and gave the representative all information requested from me. When the call ended, I received a receipt for my payment and was told by the representative that my extension was processed. I logged into my account on XX/XX/23 to find out that my extension was never processed. I called customer service again and spoke with a new representative who told me that my extension was never processed by the first representative. She said that I needed to sign a form, and I advised her that no form was sent to me to complete regarding the extension and I was not informed that a form was needed. She initiated the process to have the form resent to me on XX/XX/23. I received the necessary form on XX/XX/23 completed it and returned it the same day. I completed everything required of me by the first representative to process my extension, but due to his lack of follow-through, my XXXX payment was reported 30 days late to the credit bureau in XXXX. I do not feel that I should be penalized because he did not do his job. I am requesting that my credit report be corrected and the late payment be removed from all three bureaus. I have contacted Mercedes Benz as well through their complaint process and this was not resolved.
Consumer complaint received 2023-12-30
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. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-07-01
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. (NY)

XXXX, XXXX and Equifax are in violation of 15 U.S. Code 1666b. As per the law, the following is in the statute.

( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

All 3 are listing the following accounts as late or charged off, which are false and a violation of 15 US Code 1666b and 15 USC 1681 b ( 2 ) After repeated attempts to get this fixed, these 3 are taking now over 5-6 months to complete an investigation that should be completed within 30 days as per the law
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX and XXXX XXXX XXXX XXXX 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 accounts 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 these 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 2024-07-01
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX Prior Related Investigation with Cfpb XXXX ( Experian ) i am submitting a complaint for the second time addressing experian, lack of response in communication to me the consumer. I have previously sent out a letter to experiment and also a CFPB complaint addressing not being able to obtain my free annual credit report. The prior investigation is above, It has been more than 30 days And you experian have not complied, Nor fixed the error on your end I am still unable to obtain my report or login in to My Experian account to dispute etc.. 

This is my 2nd attempt, reaching out to you, which will be noted in my federal trade commission report if these matters are not resolved at once.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-01
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)

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.

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 2024-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/year> letter sent to me saying savings account closed with no explanation. XX/XX/year> informing me that my funds were on hold until they review the transactions. It has now been XXXX months with no further communication. I have attempted many phone calls and am always told there is no information This is Bank of America in XXXX, CA