davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I deposited 3 United States Treasury income tax checks for XXXX, XXXX & XXXX on XX/XX/XXXX with a bank teller @ the 5/3rd branch. 

I tried to use my atm card on XX/XX/XXXX at a restaurant & was advised that my card was locked. 

I called the bank 's customer service XXXX # the next day and was directed to The Fraud Detection Department ; in which they suspected fraudulent activity & needed copies of my 1040 IRS tax returns. I told them I've never heard of a customer having to submit 1040 tax returns, when cashing United States Treasury income tax checks. I went to the branch & was on a conference call with the fraud department & a banker, in which I was asking the reason for submitting documentation to go along with cashing U.S. Treasury checks. They just stated to show proof of these checks. 

I feel this is unlawful for any bank to request tax returns, in order to cash United States Treasury checks. I've never in my lifetime been asked to submit 1040 tax returns to cash these government income tax checks. I've been banking with 5/3rd bank for over 5 years.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I found this item on my consumer report that isnt mine and should be removed. Filed FTC report. 

1. XXXX XXXX ( XXXX XXXX : XXXX ) Account # : XXXX Amount {$900.00}
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (WA)

Through Rocket Mortgage 's website, I applied for the biweekly payment program. Payments are scheduled every two weeks, with 26 payments per year. I made the first biweekly payment on XX/XX/2023. On the Rocket Mortgage website, it says " XX/XX/XXXX Your {$2400.00} payment has been applied. '' I also made some extra principal payments ( separate from the biweekly ), and it says the same thing for them ( e.g., " XX/XX/XXXX Your {$1000.00} payment has been applied. " ). Today I went into the website and if you scroll down below all those entries, it says " Partial payment ( unapplied ) {$2400.00} '' as of today. And I can see that the {$2400.00} has not reduced my loan balance at all. 

Today I chatted with Rocket Mortgage and he said that in fact the biweekly payments are NOT applied to my loan until I make a full payment. So the payment is NOT applied -- in contrast to what it says above on the website. The chat representative explained that " if online says unapplied it is being held in unapplied. '' Then he added that " So we never stated that the half payment would be applied directly. The true benefit of biweekly autopay is that the 2 half payment are being applied to principal that will shorten the loan term and help save money on interest. If you want the funds to be applied right away, you would need to schedule the monthly payment in full. '' When I asked what " unapplied '' means, the representative answered " Unapplied to a 'cold account ' that is where we hold funds until the payment is received in full. '' When I signed up for biweekly payments, it did not say that they would hold my money until a full payment was made. Rocket Mortgage is holding my funds -- without notice unless you dig down into the website. They are holding that money in an account ( presumably ) where they earn interest on my money while they of course are charging me interest on my loan. Obviously it's fine that they are charging me interest on y loan, but they should either ( 1 ) state clearly that they will just hold the money for their own benefit until I make my second payment to bring it to the full amount due OR ( 2 ) apply it immediately to my loan balance ( which is what is suggested when the website says " Your {$2400.00} payment has been applied '' ). This is deceptive and fraudulent.
Consumer complaint received 2017-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My profile had been used at Bank of America by a family member without my knowledge to perform transactions in a prohibited manners-un-authorised check deposits/withdrawal for about 3 times. 

The accounts had since been closed by the bank but my SSN, names and other details listed on early warning are INACCURATE ; I had logged a dispute with early warning and had requested bank of america to thoroughly investigate the transactions to no avail. 

pls i need your assistance in clearing my names and details from the inaccurate listing.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
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: Early Warning Services, LLC (TX)

The website XXXX XXXX XXXXearlywarningXXXX has some sort of warning on my account i was told by XXXX XXXX XXXX XXXX I am trying to sign up and request a copy of my data and the site does not allow you to even try to sign up. 

I've tried multiple devices, locations and keep getting the same error. Why have a site and service such as this if it is impossible to get pass registration? 

This is the error. There is no way my information is invalid, it only ask for your email. 
Invalid registration info, invalid reCAPTCHA response, or not allowed to register from this location.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MS)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (PA)

I have a large sum of assets in Gemini. I have been with them for several years and have already been through all of the verifications. I also have been depositing money weekly ( and still do ) to purchase crypto and hold it on their exchange. I tried sending some of my assets onXX/XX/XXXX and was denied. I went through all the verification steps once again that Gemini told me to do via email. They then told me I was approved and able to send my money where needed. I tried again and was once again denied. Now they will not response to me and only say " We are receiving a large number of emails. We will get back to you when we have a resolution. '' They are holding my money XXXX. However, they had no problem taking my auto deposits today. This is not the first time this has happened.
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 written instructions
Consumer complaint received 2024-03-22
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. (NH)

I was informed I had a 90 day notice on my credit report. In researching with XXXX I show no accounts in the app or web. I initiated a chat as I received an email about a late payment for a closed account. When clicking the link it brings me to the same page with open accounts but doesnt show the account in question. Apparently I have an old balance which I was unaware of. I have late fees and interest charges which they couldnt waive and told me I should use alerts auto pay or the app, all of which were not options. They have to mail me statements because I dont know if charges are valid and statements are not online. 
I feel they have been deceptive in taking away visibility into a closed account charging fees with no way of knowing. This impacted my report by XXXX pts.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

The promissory note lender was XXXX not Nelnet. The loan was scheduled to close in XXXX in accordance with the Department of Education rules for FSA loans, of which Nelnet is in violation of and the loan should never of been transferred to Nelnet. FSA loans have a scheduled close dates, in accordance with the the FSA of the Department of Education, they are not open loans until you die, it seems to me Nelnet believes themselves to be the XXXX. FSA loans have a 10 year or the newer loans a 25 year old end date in accordance with the Department of Education FSA loan rules. 

Nelnet has once again admitted in print the two loans of XXXX were never dispersed and for XXXX dollars and cancelled in XXXX and that there were 14 loans consolidated in XXXX. Yet Nelnet continues to show the addition of two loans in XXXX to my FSA account plus a third loan requiring consolidation. Is Nelnet owned by the XXXX? How do they continue to get away with this illegal crap!
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (OH)

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXXXXXX XXXX first common those are all the banks I seen that was opened up in my name
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (DE)

Amsher Collection Services, of XXXX XXXX XXXX, XXXX XXXX, XXXX AL XXXX, phone XXXX XXXX XXXX, cited a bill of {$770.00} from XXXX as owed by me. XXXX confirmed to me that I had no open invoices sent for collection. Upon being contacted, they refusef to correct the payment unless I paid. Furthermore, they did not contact me directly or send notice of the unpaid invoice or its description to me ever. I discovered it in my credit reports.
Consumer complaint received 2024-04-14
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. (TN)

I submitted a dispute with XXXX, XXXX and Transunion and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( 18+ ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed a fruadulent account.I sent all the necessary information needed in order to have the account remove.All three credit bureaus ( XXXX, XXXX, and Transunion ) remove this from my credit file.After a month later it was reinserted by Transunion and XXXXI wasn't notified about the reinsertion within the 5 business days which required and no information at all.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent the credit bureau supporting documents to remove the inaccurate information from my report. XXXX XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 
XXXX of XX/XX/year> XXXX XXXXXX/XX/year> Collection : XXXX Acct XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report.
Consumer complaint received 2023-12-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I purchased XXXX American Express XXXX XXXX as XXXX gifts and nobody is abel to use them. I spent {$750.00} dollars and now nobody can use the gift cards and that is unacceptable. I reached out to the company and they were useless and no help. Since they are not helping I would like a refund for my {$750.00} purchase in gift cards. This is not how you do business and I would appreciate to be refunded after I spent my hard earned money plus {$6.00} activation fees for all XXXX cards. I was told we have to wait XXXX hours and they still do not work.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

I received a notification on XX/XX/23 from XXXX XXXX that there was an inquiry from Wells Fargo for a credit card application which I did not apply for. I contacted Wells Fargo immediately and the made note that this was a fraudulent application and will deny approval.
Consumer complaint received 2023-08-04
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. (FL)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE UNAUTHORIZED WHICH IS CONSIDERED FRUAD XXXX XXXX XXXX XXXX {$5200.00} XX/XX/XXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX {$17000.00} XX/XX/XXXX THESE ADDRESSES ARE UNAUTHORIZED AND FRAUD I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX THESE INQUIRIES ARE UNAUTHORIZED XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX