davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a checking account with Capital One Bank. I went into the bank on XX/XX/2023 to withdraw money. The teller at the bank said that because I am transferring money from my XXXX into my personal checking account that they may make me open up a business banking account. My XXXX is for my business which is a sole proprietorship as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She let me withdraw the money and I went on my normal day. This past Friday on XX/XX/2023 I went to withdraw money again and she said that they are not going to let me withdraw money from the checking account. She said they're making me open up a business banking account and move everything over to that. She was on the phone for about 45 minutes waiting for an answer from corporate. While she was doing that I sent her my sole proprietorship documents and waited. After a while I just told her to don't worry about it but I will wait until they open up the business checking account and then withdraw money at that point So I asked her when I could set this up to get a business banking account opened and she said the earliest that they had was on Wednesday at XXXX in the afternoon. So I told her to put me down for that and I would come in to open up a business checking account. That evening I went to go use my card to get gas and food, I found out that they Froze my account. I called corporate to see what was going on and they said because it's against their policies they locked my account down and they said that they would have to review it within 5 to 7 business days. I told him that this was my only checking account my only access the money and then I had to get medication for my XXXX this weekend and I needed some sort of available funds to be able to live off of and they said that they could not do anything for me. I resent them my corporation box and everything they asked for and they just told me that they would take 5 to 7 business days to decide what they wanted to do. As I did more research I came to found out that it's frowned upon but not illegal to deposit a sole proprietorship money into a personal checking account. I went in on Saturday, XX/XX/2023 asking to close my account with them and for them to release my funds to me and they told me that they could not do that.
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc. (WY)

I received a letter from United Accounts on XXXX XXXX XXXX claiming I owe an amount to XXXX XXXX from a year and a half ago. this was the first attempt ever to contact me regarding any outstanding amounts from either company. I contracted them immediately and disputed this as I know for a fact this has been paid before. They informed me they can contact XXXX XXXX or I can contact them in which I replied I will resolve the matter with XXXX XXXX. 

I then contacted XXXX XXXX and according to their statement I still owed them this amount. I know I paid this at their offices but did not have the invoice readily available as I moved to another state. I told them I will get the invoice and the have to give me some time as I have to find and pack out several boxes in the hope to find the receipt.

United Accounts then proceeded to still report me to the credit bureaus even though they were aware of my dispute. I contacted them again and asked if it would be better to pay this amount again or to continue with the dispute as I know this was paid before and I am in the process of purchasing a house ( the negative report could affect my ability to purchase my house ). The lady said I should pay the bill and they will remove the report from the credit bureaus but it would take until end XXXX. They also said my loan company could contact them and they will give proof of my paid account. I proceeded to pay United Accounts the complete amount. 

The next day, I asked them to please supply me with proof of payment in order for my loan company to take the negative report out of my file. United accounts refused saying they are not allowed to give me any proof of payment because I am a resident of Wyoming. I continued to ask if she is saying that they may not give me any form of proof that I paid them and she kept on saying they may not according to law. 

The last lady I contacted was named XXXX and she said my bank should fax them a credit release before they will give us ANY proof of payment. During my XXXX calls to them, they were extremely defensive and rude and did not want me to finish my sentences before either interrupting on just putting the phone down. 

" XXXX XXXX XXXX United Accounts, Inc. is fully automated . Our systems utilize industry leading XXXX XXXX technology, 24/7 website access for placing accounts and viewing real time account stats and progress reports. XXXX has the flexibility to accept electronic account placements in your format. '' This is what hey claim on their website but they can not provide proof of payment???
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (WV)

My bank has scammed me out of over {$20.00}, I have visual evidence of this claim with dates to support my claim, also verified by the evidence. I have been overcharged XXXX times in a row by my bank, I have tried to resolve the issue with the Third Party app and was insured that the fraudulent activity was not to be blamed on them, my bank even tried to cover it's tracks by voiding the transactions after reimbursing me less than 40 % of the money I was scammed for back in my account ( even after evident images were emailed to them ), then taking more than 50 % of the reimbursement back after I tried getting my full refund. That is suspicious activity, I emailed them to solve the problem and they only made it worse.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-05
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. (TN)

I sent certified letters to XXXX and Equifax requesting that the unknown inquiry be remove or verify thats on my credit report both credit bureau are stating that they didnt receive my certified letters my United States postal service nor did they make any attempt to verify or validate the inquiries on my credit that being reported on their behalf. I also sent the same letters to XXXX, they recently been removed from my credit report as of today due to the lack of information provided by the creditors that requested the inquires.
Consumer complaint received 2023-05-05
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. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (IL)

This is my 3rd 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, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MD)

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/2022 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX ( XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Attached to this complaint shows proof of violations of the FCRA and Privacy Act of 1974. Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports, this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules. Experians negligences has caused a severe impact on my life, they should take responsibility.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

I am writing to file a complaint against Citibank regarding their failure to provide a cash bonus as part of a promotional offer. The promotion in question can be found at the following link. XXXX XXXX //XXXX.citi.com/XXXX XXXXXXXX XXXX XXXX Details of the Issue : Promotion Description : Citibank offered a {$300.00} cash bonus for opening a new checking account and completing the specified direct deposit requirements within the promotional period. 

Completion of Requirements : I successfully completed all the requirements outlined in the promotion, including opening a new checking account and setting up and receiving the necessary direct deposits within the specified timeframe by XXXX XX/XX/2024. 

Banks Response : Despite fulfilling all the conditions, Citibank has not provided the {$300.00} cash bonus as promised. I have contacted their customer service multiple times, but my issue remains unresolved. Their responses have been unsatisfactory, with no clear explanation for the denial of the bonus. 

Impact on Me : This situation has caused me significant inconvenience and frustration. I relied on the promotional offer in good faith, and the banks failure to honor it has affected my trust in their services. 


Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (WV)

I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX XXXX # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX  Act # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXt # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

Good evening me and my mom had an account with Wells Fargo for more than 25 years. And we had some issues with late fees with loans and account fees. We also requested loans but got denied many times. We had good credit and good banking history. In 2021, my mom passed away. We had a joint account. Wells Fargo closed the account without my permission! They didn't even reach out to me to ask if its okay to close it. I called them and they refused to provide an explanation and reopen the account. That was very unprofessional.
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

The company was double paid when I requested a refund of the payment they sent me 2 payments backs I canceled then they went into my account and tried to take the money back, they were successful, but the payment was not authorized so I disputed the charge with my bank because the charge was unauthorized an the account had been closed
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (TX)

Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX