davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

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 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 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 The bank denied my claim for suspicion. I put in 3 claims because a total of 15items could be attached to 1 claim. All 3 claims were denied and this was truly unfair. The bank did not direct me to CFPB, I found this resource on my own. If I would had this information to file a complaint, I would of done it in XXXX. Santander Bank Associate instructed me to call the Federal Bureau of Banks, which I had no success. 

During the time of the transactions, I was at work. Those transactions were made on the opposite end of the city, nowhere close to me. Totaling XXXX.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (IL)

I have reached out to XXXX and experian numerous times to report fraud is with theft and that inquires made on my credit report have been made fraudulently but neither company has removed the inquiries causing financial hard ship and endangering my livelihood
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

I was told that my account has a hold on it due to verification. I verfieid my identity on the phone by giving the first and last name, birth date, and last 4 of my social. I was told that an Affidavit of Identity would be sent out but it never has and it has now been more than 2 weeks. When I try to transfer money I am told to call them. I did that and they told me they needed to verify my identity again even though I just had done that. I have seen many others have this same problem. I was hoping to make a small withdrawal but I am not wanting to take out all my money and return it to my checkings account. Thank you.
Consumer complaint received 2024-04-26
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. (CA)

I created this new CFPB account since I lost my access to the other one. I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-07-17
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX my bank accept check that was written and XX/XX/XXXX for {$5000.00} which I did not authorize this transaction And this check is not valid and my bank still accepted after all this time
Consumer complaint received 2024-06-19
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. (AL)

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filling complaint and request assistance regarding an issue with XXXX XXXX, a collection account that is adversely affecting my credit report. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to have the XXXX XXXX collection account removed from my credit report. I also ask that appropriate action be taken against XXXX XXXX for reporting inaccurate information and potentially violating consumer protection laws.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

M y. account was closed due to fraud. I had tried to get a loan from a company that turned out to be fake. I they were refunding me item on my account but did it in a way I didn't know that was what they was doing til it was to late. Had me get gift cards and everything. I told the back what happened and they said do a police report so I did and they still charge back on me and closed my account. I had my husband on the account also but now they want let him just get account by himself. I was the one scammed how do I fix it so he can at least get an account back. It was Bank of America happen in 2019 My name is XXXX XXXX XXXX XXXX name XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (IN)

In XXXX i have purchased my house furniture from XXXX in XXXX XXXX at that time salesman soled all the furniture to me and have me approved with their XXXX credit card my community bank and told me you just simply make payments on this and afterwards when you done with payments you will have this credit card for future use for future purchases as that i was doing so and now in last XX/XX/XXXX i see {$4000.00} interest charged on it and when i go in the showroom to see whats going on then that salesman no longer works their and they told me that was a plan that i have to pay whole amount in 4 years or they charge me interest for whole period this thing that i was not aware of and the salesman didnt mention that when i was buying and now i when i had {$2000.00} left they putt {$4000.00} more as interest and i have no where to go
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (OR)

I filed a previous complaint on this but Citibank failed to respond to the issue and addresses something else in error. I need them to respond to the charge that was fraudulently made by the merchant on XX/XX/XXXX, not the other issue in XXXX of XXXX. 

I have read through the response from the Citi Executive Response Team. Their statement of fact is incorrect. Their records, as stated, are also incorrect. Their letter, regarding a dispute from XX/XX/XXXX, is not the dispute to which I am referring. Their statement that the credit was issued on XX/XX/XXXX for this XXXX dispute is correct. Again, this is a different transaction than the one I disputed on XX/XX/XXXX. The issue here is that on XX/XX/XXXX the merchant ( XXXX XXXX  XXXX WA ) fraudulently charged my card AGAIN for the amount of {$220.00}. This was a second, unauthorized transaction. My assumption was that when the original dispute was found in my favor the merchant still had my credit card information and ran a second ( again, unauthorized fraudulent charge ) on my account. After that XXXX XXXX cancelled my card at my request and issued a new one with a new account number. So again, the Citi Executive Response Team was incorrect in that this dispute ( XXXX XXXX, XXXX ) was regarding the charge on XX/XX/XXXX. The correct charge that the XXXX XXXX dispute was for was the fraudulent second charge by XXXX on XX/XX/XXXX. 

I have attached a copy of Citibank 's erroneous response from my previous complaint for the record. I have also attached a copy of the statement with the charge highlighted. Again, this is NOT the XXXX issue, this issue is seperate.
Consumer complaint received 2023-06-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (IL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

So on XX/XX/2024, he says, Im the highest person youre gon na get when it comes to speaking to a manager. Shame on the lady who clearly lied to me when she said that I would have a good rapport with their bank because it happens frequently, and they have to understand our economy is failing by the day, by the hour, by the minute.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-08-31
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)

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by Experian, XXXX and XXXX. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: V and H Portfolio (CA)

Vance and Huffman LLC representatives repeatedly make calls to my phone despite my request for them to stop. They are reporting negatively on my credit report and I have informed them this debt does not belong to me. They often call early in the morning before XXXX XXXX. On XX/XX/2023 I called Vance and Huffman LLC to directly dispute the debt with the company however I was denied debt validation being told I had to pay for them to tell me any information they had regarding this debt which totals {$460.00}. I would like this company to provide by mail to the address they have on file debt validation and not verification that is competent evidence that I have some contractual obligation to pay them. Please include the name and address of the original creditor, the account number, the amount owed, age of debt along with a copy of the last billing statement from the original creditor, any information regarding interest or payments made since the last billing statement, the date the original creditor claims this debt became delinquent, whether this debt is in the statute of limitations and how that was determined.
Consumer complaint received 2023-06-06
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (CT)

On XX/XX/year> around XXXX XXXX. Please don't order a XXXX  to the restaurant. XXXXXXXX XXXX I have to resume an hour every single fool. I noticed why in the fool half of it was hot and half of it was cold. Obviously from working in restaurants. That means the food is under cooked. That was not brought to the temperature of XXXX. Next day I was busy. I had to go to work so by the time I contacted XXXX, they stated that they couldn't give me back my refund due today XXXX or XXXX hour policy, so I reached out to XXXX. Who told me now that they can not give me a refund because it's come through. A third party after XXXX weeks of deliberate, XXXX told me to contact my bank and dispute the transaction which I did, but Cash App failed to give me back the money.