davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Ive been putting complaints about Experian credit Bureau that you can not get a live person and every time I put complaints in experience is sending me credit reports that I did not ask for I never asked him to send me anything. I need to talk to a live person, I have called you on the phone and you told me you was gon na take care of it. My existing complaint number is XXXX. And I dont know why Experian keep on sending me these credit reports because I did not ask for a credit report. I never can talk to a live person. I came to you over and over and told you I have papers from XXXX XXXX XXXX to try to track my credit. Experian have lied to me and told me they are monitoring my credit free in my credit for free because they got hacked into and I was the person that the information was taken. They have not been monitoring my credit not my credit now XXXX XXXX XXXX got hacked into. Im trying to notify them, I can not live and I have told you over and over and the questions the XXXX XXXX is asking me its not what I need, when you say none of the above, it keep on asking you the same old questions. I need for you to do something you told me I have to wait 30 days but they sent me my credit report and I never asked for it if I start getting identity theft now where do I go to sue somebody because I cant get a hold of anybody at Experian
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (CA)

On or about XX/XX/XXXX a fraudulent application for credit was made at US Bank. The criminal used a fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank populated this address to XXXX who listed it as my primary residence address. I filed a CFPB complaint against US Bank and XXXX on or about XX/XX/XXXX and the issue was resolved. 

But now I find out the issue was NOT resolved. In addition to reporting the fraudulent address to XXXX, US Bank also reported the fraudulent address to XXXX. I have tried to contact XXXX about this and they refuse me access online. They also refuse to delete the fraudulent address unless the data furnisher, US Bank, contacts them to request removal. 

US Bank failed to delete the fraudulent address from all entities they reported it to even though at the time it was reported US Bank clearly new the address was from a fraudulent credit application. 

XXXX refuses to delete fraudulent information from my credit report in violation of the FCRA. I fully intend to bring legal action against XXXX.
Consumer complaint received 2023-03-13
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. (AZ)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer 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  This accounts are fraudulent and should be removed immediately from my consumer report.

This is a violation of my rights under 15.USC 1681 .
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

Problems with U. S Bank- I own a construction company and bank with US Bank . I have been a customer for less than 1 year. I have been very satisfied with the services until the day I requested to with draw a large amount. I walked into the branch here in XXXX, OH. I was notified by a male MGR. that I wasn't allowed to with draw such a large amount from my own account. I work hard for my money and felt my right was taken away. No explaination was given to me. I then went over the second US Bank and requested to with draw a large amount of money I was told she will have to order it and it will be in a certain day. That day came and I was told I that it wasn't going to be possible. I called customer service and they gave me the run around. On XX/XX/XXXX, at XXXX XXXX  a lady by the name of XXXX XXXX from US bank located at XXXX XXXX XXXX and told me I have 2 choices. Choice number 1- I can pick up my check for the full amount the next day XXXX XXXX and my account will be closed and walk out or choice number 2- my account will be closed and the check will be mailed to me. I was speechless. No explanations was given to me on why my account was closed. I called customer service. They told me no notes were provided that I was talking to XXXX XXXX on how she was going to close my account. I did not show up this morning XX/XX/18 at XXXX XXXX  at that branch. I called customer service to seek for answers. My results were none. My account is now closed and my bank card doesn't work. My account is closed for the fact that I requested to withdraw a large amount. I feel very discriminated and racially profiled. I have check stubs to back my funds up. I will never bank with US Bank. Terrible bank to bank with. I will tell my colleges, family, and friends about my situation, because I don't want what happen to me to them.
Consumer complaint received 2023-03-13
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. (TX)

THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-09-11
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. (FL)

{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and TransUnion, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with XXXX XXXX and once with Trans Union.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

We had a construction loan with Citizens bank. 

XX/XX/year> : We requested an extension to our loan to complete construction due to covid-related supplier delays. We were granted the extension but the bank applied {$9000.00} in penalties. 

XX/XX/year> We were told we could apply for a waiver of the penalties. 

XX/XX/year> We are told we are rejected because " the Committee has rejected the borrower 's request for a waiver of the extension fee. We are required to apply extension fees equally. To eliminate the extension fee for this customer but require others to pay would be a disproportionate application of fees and we would therefore be non-compliant with Fair Lending regulations. As a result, we are unable to waive the extension fee. '' How is there an extension fee waiver process when they say that they can not waive fees because it would be in violation of the Fair Lending regulations? 

XX/XX/year> When we asked that question were were then told : " the committee reviews the information you provide and your loan as a whole and from there vote and make a decision if the fee is being waived or if you have to pay. '' XX/XX/year> When I asked for the criteria used for waiver considerations I was told " there is no criteria for waivers. '' How can there be a process to issue extension fee waivers, but they do not issue waivers due to Fair Lending regulations, and then disclose there " there is no criteria for waivers. ''
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upgrade, Inc. (NJ)

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern.

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received.

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status.

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of the utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : 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 2023-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased Vanilla Visa gift card for {$150.00} at my local retailer. After many phone calls and emails but my gift recipient and I have been unable to recoup the company. I contacted the retailer and they created a case # and told me that they show it as properly activated o their side. After weeks of waiting they told me that while they filed a claim with Incomm, they are not hearing back for many months so I should call directly. On XX/XX/XXXX I called directly, waiting on hold for over an hour, and provided all of the requested documentation ( attached ). They assigned me a ticket # XXXX. They told me that I would hear back in 7 days. On XX/XX/XXXX, they sent an email not with a resolution but requesting the exact same info! I re-sent the info on XXXX and asked to speak with a supervisor. I did not hear back. On XXXX they sent another email requesting the exact same info. Frustrated, I sent it again and asked again to speak to a supervisor. I received no call. Today, I call and waited 51 minutes to speak to a supervisor. She told me that she could not help me as she shows that I sent the info on XXXX and I need to wait 7 days. I explained everything to her. I believe they are purposely re-sending documentation requests every 7 days to " reset the clock '' to keep putting the innocent consumer at a disadvantage. They have now held my money for 3 months for no good reason. It is clear that they are making it so difficult so that, at best, they hold onto the money longer and, at worst, hope consumers will get tired and go away. There need to be oversight on this company and penalties for keeping a consumer 's funds. Having to send endless emails and waiting on hold for an hour at a time appear to be intentional practices to avoid compensating the consumer.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WI)

Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Looked at my credit report via XXXX, Equifax, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.
Consumer complaint received 2023-03-13
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. (CA)

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. 
XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Each time that I submit a dispute they lower my credit score and retaliate against me as I just received notification that my score dropped by XXXX points. 

There have been multiple complaints listed with the credit reporting agency named Experian.

Some information is over 7 years old, but they have a incorrect date reflected and will not update and remove the negative account.

Some information doesn't belong to me and they have failed to update the information.

The number of credit inquiries were not authorized by me.

They have failed to update the address and remove multiple incorrect information.

The same for employment.

There has not been any positives for the student loan payment history and accounts in good standing.

Medical collection accounts have not been removed for medicaid insurance and even with multiple disputes as they have aged out of the 7 year they will not remove the information.

This is seriously impacting my credit preventing me from purchasing home, mortgage, credit cards. And other financial opportunities to make my life easier, and I believe they have my credit being reported on harder criteria or scales than others and probably always to XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (OR)

I signed up for credit with XXXX XXXX through XXXX bank to pay for XXXX XXXX for my XXXX in XX/XX/2022. Unbeknownst to me, they signed me up for a card security program that will pay my bill in the event that I can not pay my bill. I never authorized this to happen. The charge on this program monthly is more than the interest I pay on the balance. I have tried to contact them to obtain the supposed authorization I made when I was approved and they just acknowledged receiving the email and then never replied. I have follow up on that email multiple times so that I can have everything in writing and they have chosen not to respond. We are looking at over {$600.00} paid to this program that I can not afford and did not authorize and I want that money paid back. The payments I make every month do not cover the interest and charge for this program and I can never get ahead. Because of this, I can never pay down what is called a promotional balance that basically is you only pay the amount borrowed if paid within a certain timeframe. Since the money I am paying is going to charges not part of those promotional balances, I end up not being able to pay the borrowed amount within the timeframe and then they back bill me for interest. This is unacceptable! 

We are looking at over {$600.00} paid to this program that I can not afford and did not authorize and I want that money paid back. 

I can also pull the emails together if you would like them
Consumer complaint received 2024-04-15
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. (TX)

I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.