davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I have funds being held by U.S Bank totaling up to XXXX $ I have not received this payment back yet its going on 3 years now the bank is still holding my funds. I have been to numerous bank locations provided information to support that these are my funds due to them asking me to provide a tax return from a previous year which has no relation to my funds being held, XXXX the branch manager on XXXX XXXX XXXX in XXXX Ohio has ignored all of my emails after refunding me only a small portion of these funds after suspecting fraud that never occurred, I was told the funds would be back to my lender which my lender has confirmed that never occurred me and my lawyer are currently in the process of filing class action lawsuit in regards to this. Due to this this has caused damage to my business during XXXX  which cost decrease in my small business revenue this occurred XXXX  I have been getting the run around since, I am always told to call a number when going to the branch but the number tells me to go to the branch. 
First I was told they were waiting on a XXXX XXXX Report basically a background check that rental properties use before approving someone for a rental property which is no relation to U.S Bank, to verify my loan from my lender I had already provided documentation supporting this loan when I arrived in person I was asked to provide my tax return which was not disclosed in the email during communication with branch manager. Branch manager only released XXXX $ from my XXXX closing balance which in a written statement from U.S Bank prior to receiving these funds they stated it would be issued back to sender which that never occurred because it was issued to me that day but why wasnt the whole amount released back when I provided every documentation that was asked? 
Below I have attached emails of the communication with the branch manager assisting me with this matter as well as the documentation that supported the authenticity of my government funds. My Attorney has contacted MN Attorney general we have given authorization for attorney general to start their investigation in regards to this. This whole process starting from XX/XX/2021 has caused me emotional stress and damages to my small business I also feel like this issue was related to discrimination with a whole XXXX report being pulled in relation to my name I even pulled a copy of my XXXX report after reading through it it never showed anything related to the government funding only my personal information
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX ... .., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX... XXXX XXXX are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2023 I noticed XXXX unauthorized transactions from XXXX XXXX. I went to Citizens bank, who has my checking account, and did a line by line audit with their fraud expert. I use XXXX and filtered out my transactions from the unauthorized ones. The bank has a copy of my XXXX transactions. They froze my account and card, and issued me a new debit card and checking account. Overall there were XXXX transactions totaling over {$13000.00}. 

My claim was denied and the bank would cancel my card numerous times without warning, denying my access from my funds. Id have to wait days to get issued a new card. This occurre 5 times in 1 month. Eventually they refused to give me a debit card at all. The only way I could access my money was with cash withdrawals using my ID. Im a US veteran and that was the money I had saved from XXXX. And my own bank was holding it XXXX and refusing to help me. In addition I have a XXXX  son at home. If he needed something, Id have to wait till the bank would open to get money and purchase items for him. Eventually they closed all my accounts ( without authorization from me and without resolving my many disputes ) and sent me a check with my remaining balances. I still dont have any explanation as to why they denied my claims even though I provided them clear documentation that those trans were not me and I did not authorize them.
Consumer complaint received 2024-04-28
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. (NY)

I NOTICE SOME UNAUTHORIZED INQUIRES ON MY CREDIT CONSUMER REPORT THAT I DID NOT AUTHORIZED AND WOULD LIKE REMOVED. ACCORDING TO FCRA THESE UNVERIFIED UNAUTHORIZED ITEMS MUST BE REMOVED. THIS IS IDENTITY THEFT I HAVE NO ACCOUNT WITH THESE CREDITORS. PLEASE REMOVE IMMEDIATLY.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Avant Holding Company, Inc. (TX)

My complaint filed with the CFPB : XXXX was based on the company 's response, XXXX XXXX  XXXX Today, I was contacted by Avant for a past due balance. In addition, XXXX, XXXX XXXX and XXXX have reported a negative credit rating from Avant. As stated in my complaint with CFPB, there was fraud committed off my checking account by the representatives of Avant following me making a payment toward my credit card on XX/XX/2023. I provided copies of the transaction and amount taken from my checking account to the XXXX  of Illinois, CFPB, the Attorney General 's offices of both the State of Illinois and Texas ( I am a resident of Texas ) and XXXX XXXX XXXX XXXX in Illinois. My Bank, XXXX XXXX filed a fraud claim against XXXX XXXX and XXXX date they have not responded. 
I would like my previous complaint and this complaint to be investigated by both The Federal Trade Commission and the CFPB due to the previous legal action that The Federal Trade Commission took against Avant.
Consumer complaint received 2024-01-30
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Beginning XXXX XXXX XXXX  there has been a string of fraudulent withdrawals from my California XXXX/Bank of America debit card . Upon the first instance of funds being fraudulently withdrawn from my account, Bank of America subsequently credited the funds back to my account on three consecutive occasions, as each time funds were deposited, they were immediately fraudulently withdrawn from the account. On the last claim, Bank of America has declined to make me whole on the premise withdraws occurred via XXXX XXXX. During the course of several different phone calls with Customer Service Agents at Bank of America, we discovered that the theft was coming from a breach in security from which thieves were able to learn/use my account ID, password, Driver License information, social security number, etc., which they then used to call XXXX XXXX impersonating me to request " emergency funds '' to be released from my XXXX/Bank of America account . To my knowledge B/A has not done any outside investigation upon which to base its conclusion that I was the one who made the request nor prove whether or not it was myself who picked-up/received the funds. On two separate occasions I have submitted documentation of my own investigation, the police report I filed and documented the conversation I had with a XXXX XXXX Manager in Fraudulent Transactions. This manager walked me through how someone via telephone can impersonate me to request emergency funds. This information was included within my report to B/A on XX/XX/XXXX and XX/XX/XXXX. I noted that all previous claims have been reimbursed with the exception of the last claim on XX/XX/XXXX. After submitting a second request on XX/XX/XXXX there was no confirmation, reply or acknowledgment from B/A regarding this request to review and reimburse nor has anyone from the department making these decisions reached out to me personally to discuss this fraudulent situation, where monies were stolen not only myself, but also from CA XXXX  and Bank of America . As of XX/XX/XXXX I spoke to B/A Fraud Complaints to reopen this case and have so been advised to wait a decision 4-5 weeks out.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2023, I received a call on XXXX from a friend, the call was cut off and I couldn't hear it well, so she told me that it would be better to send a text message through the same platform, in which she told me that I had a problem and that if I could make a shipment through " XXXX '' through my bank account with Bank of America, to which I agreed because I was a very close friend, I made 3 deposits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then I managed to communicate with my friend and she told me that her cell phone was stolen and that it was not her who was asking me for the money. As soon as I realized it, I reported it to my bank on XX/XX/XXXX, XXXX fraud a few days later they denied my claim telling me that it was not fraud but a scam and that they do not respond for those types of claims and that they could not recover my money from the other account so my money was lost and there was no way to recover it.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to address XXXX XXXX XXXX, where I was enrolled until its unfortunate closure. Due to this unforeseen circumstance, I am entitled by law to receive a refund for any outstanding fees or loans associated with my education at the institution. 

Furthermore, I kindly request that my loan information on my consumer report be promptly updated to reflect that it has been paid in full. This adjustment is crucial for maintaining the accuracy of my financial records and ensuring that my credit history remains unaffected by the closure of the college. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to update my loan information accordingly. If you require any additional documentation or information from my end, please do not hesitate to reach out.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

I've been fighting these guys for over a year and it's clear they are intentionally blocking my PSLF I've already qualified for and they said I did. Then they took it back and " lost '' all my documents from my Fed loans and everything I sent. They have tried hanging up on me and blaming me for their mismanagement. I've filed several complaints for illegal mismanagement and discrimination I faced in the phone ( comments made about my race and type of work I do in the nonprofit world ). 

I've had two of my senators now involved which forces them to process one of the forms but still ignoring me and not doing their job. I just called back senator XXXX 's office to talk about next steps. 

Next steps should be to process the PSLF as they are required under federal law. It seems after some research and talking with the Senators office that this isn't an isolated incident. It's a intentional attempt to undermine people who work in education, law enforcement, nonprofits etc.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-28
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. (AZ)

I am writing to address XXXX XXXX XXXX, where I was enrolled until its unfortunate closure. Due to this unforeseen circumstance, I am entitled by law to receive a refund for any outstanding fees or loans associated with my education at the institution. 

Furthermore, I kindly request that my loan information on my consumer report be promptly updated to reflect that it has been paid in full. This adjustment is crucial for maintaining the accuracy of my financial records and ensuring that my credit history remains unaffected by the closure of the college. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to update my loan information accordingly. If you require any additional documentation or information from my end, please do not hesitate to reach out.
Consumer complaint received 2024-04-28
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. (FL)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been update as charged off every month this is an update in the payment history.A charged off account should not incluide an active payment history.this inaccurate information falsely manipulates the statute of limitations, You failed to investigate this account properly and your neglect has violated my rights .I am demanding a deletion of the following account XXXX XXXX account number XXXX
Consumer complaint received 2024-04-28
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)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been update as charged off every month this is an update in the payment history.A charged off account should not incluide an active payment history.this inaccurate information falsely manipulates the statute of limitations, You failed to investigate this account properly and your neglect has violated my rights .I am demanding a deletion of the following account XXXX XXXX account number XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name and number : XXXX XXXX XXXX XXXXXXXX 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 inaccurate.
Consumer complaint received 2024-04-28
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC, XXXX Complaint Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT.

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2023-03-23
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. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is a XXXX XXXX XXXX  reported on my credit I have disputed it for years. the information is inaccuarate and can not be validated. I reached out to the bankrutcy court and they sent a letter stating that they do not report or confirm accuracies reported by these credit agencies. I have attached a copy of the credit lines and thier inaccuracies. along with the letter form the court house that clearly states this information was illegally retainied.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that Equifax corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!
Consumer complaint received 2024-04-28
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. (LA)

I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that XXXX corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!