davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (IL)

ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. Equifax : XX/XX/2023, XXXX XXXX  Fraudulent account due to identity theft : XXXX XXXX XXXX # XXXX XXXX Amount : {$920.00}. I filed multiple disputes for this account. Equifax has failed to remove this account. I filed three online, on 3 separate disputes Equifax said it was verified. Im sure I filed a dispute more than 5 times for this account. How can an account associated with identity theft be verified. Equifax failed to show verification proof. Equifax and XXXX XXXX are illegally reporting to my consumer report. This is decimation and defamation of character. If this account isnt removed I will be filing a federal lawsuit. I will be seeking monetary relief. Ive provided Equifax in accordance to 15USC 1681c-2. Why is Equifax committing fraud? I sent more than enough. Equifax is continuously committing fraud and not being held accountable. I demand this account me removed ASAP!!! CFPB Im aware that youll have been receiving a surplus of complaints and Equifax is capitalizing from this. Please hold them accountable. XXXX and XXXX have deleted the account. Only Equifax is still illegally reporting this fraudulent account. Equifax is reporting multiply address on my report. There should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX should be deleted. The identity theft has been using those addresses. The only address on my file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax disputes : Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # XXXX Submitted : XX/XX/2023 Completed : Pending ( hopefully Equifax stops breaking the law and remove this fraudulent account. 

Congress put these laws in place to be enforced. No person or company is above the law. Equifax isnt abiding by these laws. They must be held accountable. If not must be prosecuted to the full extent. Im a victim of their data breach and I have yet to receive my settlement.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I recently opened an account with US Bank. My business name is XXXX XXXX XXXXXXXX XXXX  and I do business as XXXX XXXX and XXXX. Both offer the same services but one is for commercial clients and the other is residential clients. When I opened the account I supplied US bank with all of this information including the businesses articles of incorporations. After 3 months of depositing checks, US bank decided to freeze my account for supposed fraud. US bank refuses to tell me what kind of fraud was committed or release my funds. US bank has rejected incoming transactions but they took incoming deposits that were meant to cover the incoming transactions. Now US Bank has fraudulently taken my deposits and still has yet to contact me about the problem.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

Citi spitefully and ignorantly sent years of credit card statements via unsecured email, when my request was clearly for a very short list of the specific merchants within the app profile in question and clearly noted [ XXXX, XXXX, XXXX ]. I dont work for Citi XXXX Its not my app. And, not my rules. Its not my job to prove a negative here.it is the obligation of the Executive Team at Citi they seem determined to avoid. Citi must prove the XXXX XXXX as intended by providing the dates of charges for the merchants previously provided and found in the Citi app. Now its up to you CFPB to get what I asked for. Its very simple. Thus, since youve repeatedly closed my previous complaints IN ERROR, Ill simply reopen yet another. Thank you.

PS : I do expect the CFPB will take steps to shield and protect years of credit card statements that the idiots of the Citi Executive Team chose to unnecessarily disclose to delay the inevitable realization that the XXXX is deeply flawed and fails to work in practice as intended.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

First of all thank you for taking the time to review my case. I will very grateful for your help. Chase sent me a letter saying to close my credit card because I closed an account in the past. I have only used this card for two months. I have used it correctly and have not missed any payments or anything like that. This will seriously affect my credit score, for no other reason. I have tried to speak to customer service and they will not give me any explanation. I don't understand why they would give me a card only to take it away in two months knowing that this will cause irreparable damage to my credit score for 7 years. I have worked hard to improve my credit score and one system decision is about to destroy everything. According to the customer service agents at Chase it was the bank 's system that made the decision.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, 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. (NV)

I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I HAVE A WALMART STORE CARD. IT IS FAIRLY EASY TO PAY BUT I HAVE ONLY ONE INCOME AND IT IS ONLY ON THE 4TH WEDNSDAY OF THE MONTH. DUE DATE FOR THIS CARD IS THE XXXX OF THE MONTH. THERE IS NO WAY FOR ME TO PAY ON THAT DATE. 

I ASKED AT LEAST 2 TIMES IF NOT 3 TIMES FOR THEM TO PUT IT AT THE END OF THE MONTH ON THE XXXX OF EACH MONTH. THEY ALWAYS SAY WELL WE CAN PUT IT THIS DATE SOMEWHERE LIKE THE XXXX, XXXX OR 19 DAY OF THE MONTH. 
ITS ALMOST AS IF I'M TALKING BUT THEY'RE NOT LISTENING. THEY CONTINUE TO ADD LATE FEES OF {$39.00} AND INTEREST FEES TO XXXX XXXX XXXX  HAS SKYROCKETED TO OVER A XXXX XXXX. I ALWAYS PAY MORE THAN THE BILL BUT CAN'T GET AHEAD BECAUSE CAPITALONE WHO OWNS THE WALMART STORE CARD WANTS TO KEEP ME FROM PAYING THE BILL BY CONTINUALLY ADDING ON FEES. 
THE COMPANY IS CAPITAL ONE AND THE CARD IS WALMART
Consumer complaint received 2023-07-10
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. (AR)

This is my XXXX request to XXXX Credit Bureaus about some negative information in my credit file. It seems they never cared at all. For this reason, I want you to assist me in correcting the negative accounts which are appear as late in my credit report. With this issue, I am not in satisfied of re-disputing the same accounts. I want the XXXX Credit Bureaus to be sure to present facts that these are reported efficiently as per the FCRA regulations. Please assist me in correcting these following accounts in my credit file : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Today on XX/XX/2023.. i talked to someone on the XXXX about a service.. I requested XXXX $ from me to start.. when I sent to him by XXXX ( chase bank ) .. he tell me he want XXXX $ more .. i knew from that he scammed and stole my money and i tell him to send it back but he blocked me on the XXXX and he doesnt send it..
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (CA)

I have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.
Consumer complaint received 2023-11-30
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: JPMORGAN CHASE & CO. (CA)

I have requested several times for specific proof to show this account wasn't fraudulent opened by providing proof of signature used to open account and transaction history. Creditor has failed to provide proof and instead went ahead and said account was verified by provide SS, address and nothing that I asked for. Fraudulent accounts can be opened with that exact information but a signature and transaction history can pin point if this was opened by me. I have let them know this account does not belong to me and for such a small fee I would have just paid it off to avoid derogatory history on my record.
Consumer complaint received 2024-03-15
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)

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX, we realized that on XXXX, from our Bank of America checking account, they had made a payment of {$9600.00}, to an XXXX XXXX credit card, unknown to us. Prior to this payment, they had made a transfer of {$11000.00} from our savings account to our checking account. At that time, we made the claim via telephone for the transfer ( Claim number : XXXX ), and they did not accept our payment claim ; because, according to them, the transaction was in Processing status and they had to wait for its final result. On XXXX, when we realized that the payment transaction had been completed, we proceeded to also make the claim for the payment of {$9600.00} ( Claim number : XXXX ). 
At that time, we were informed that the investigation was taking approximately 45 days ; but that, however, they made a payment for the claimed amount within 10 business days ; this offers relieved us. Upon receiving no response, we called the bank again, who informed us that the claim had been rejected, because according to their investigation the payment had been made by us, according to them from our personal computer, the one we usually use to access online banking. But that is impossible, because that computer is for personal use and no one else has access to it. 
Therefore, we requested reconsideration of the claim and they informed us that we could fax any evidence in our favor ; however, at that time we did not know what evidence we could present, because we did not know what their evidence was to deny the claim. In this regard, on XXXXXXXX  and XXXX, we prepared letters explaining the situation ( one letter for each case ), with which we considered our arguments for the favorable reconsideration of the case. Among the arguments raised, we pointed out that we could not understand how personalized alert notifications were not activated, since we have them configured so that we are informed of any transaction over {$100.00}, among others. Furthermore, the amounts of both the fraudulent transfer and payment, referred to above, are quite significant and atypical ; for this reason, they should attract attention and be monitored by the bank, in order to avoid similar frauds with any client. 
But the claim was denied again by the institution ; at that time, we reiterated that they would send us the details of the investigation. On XXXX, we received only a brief report that did not have further details ; It did not even include the information of the fraudulently paid credit card ( customer name, card number, issuing bank, among others ). 
On XXXX, we again sent an explanatory letter rejecting the payment and the transfer indicating that the IP addresses that appeared in the report, sent by them, did not belong to the company that provides us with the Internet service ; and again, stating our arguments that the transactions were not carried out by us. To date, we have not received a response to that letter.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (UT)

I have tried numerous times to open a CD account with BMO XXXX  during the month of XX/XX/XXXX  and have been unsuccessful. I have been denied opening an account five times, yet keep receiving the same automated email response : " Thank you for your interest in BMO XXXX. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. 

Thank you for choosing BMO XXXX. '' Upon calling BMO XXXX to get more information, they have refused to give me a reason as to why my application was declined. No one would let me speak with a supervisor or provide me with any further information as to why my application was denied. The told me the only thing I could do is reapply, which I have, yet am still getting declined.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (LA)

I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (SC)

I called on XX/XX/XXXX and XX/XX/XXXX. I have been paying on this loan for 2.5 years. I have made 30 payments. The loan amount was XXXX after an XXXX processing fee no one told me about. To date I have repaid almost XXXX and the loan balance is still over {$10000.00} dollars. The XXXX dollar monthly payment is causing me to not be able to pay my current bills. I am at a point that I am seriously considering bankruptcy because I can not get help.
Consumer complaint received 2018-05-18
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. (IL)

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NM)

I have opened an account XXXX weeks ago and deposited our New Mexico income tax check they had put a hold on in for 7 days they released XXXX out of it was supposed to release the other XXXX on the XXXX of XXXX now being said they are trying to keep my funds but in that time I had deposited XXXX checks that came back as returned which I took care of that with the money that was released so I paid off those return checks now they are trying to hold my money and close my account
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (TX)

I have prepaid accounts with Netspend and attached to each of those is a savings account that I had a large amount of money in. 
Out of nowhere my transfers stopped going through and I was unable to log into my Netspend accounts. There is no customer support and they tell me they can not tell me any information about my account. When I ask what happened to the funds in the account they again tell me they can not tell me anything and provide no information. I have no access to my funds that seem to have been stolen by Netspend. They will not tell me the address on file ( I have moved recently ), so if ( they won't ) send my remaining funds by check I have no idea where that would be sent. They have closed my account for no reason and stolen my remaining funds. If they send it to address on file... they are not telling me what address that is ( I tried to update my address a year ago but their system would not update it ).