davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I have been issued a new card from US Bank with a credit limit of {$5000.00} and attempted to make a purchase of {$1300.00} ( XXXX ). The request was declined, followed by a call from their fraud detection services. 

I then spoke with the manager, verifying my account information, that the purchase was indeed legit and wanted it to be approved. She told me that the block was removed, and I would be able to make the transaction, but that was not the case and it was declined again. 

I then reached out to their card services multiple times this day, XXXX, to resolve the issue, but it was unsuccessful. Every time during the call, they went through a lengthy authentication procedure, only to pass the call to someone else and do the same. I have spent the entire afternoon on the phone, with little progress. 

Ultimately, my card was entirely blocked, and only was able to be unblocked by visiting a local branch with my ID. I have done that the next day ( today ), and they indeed removed the block. 

However, they informed me that I will encounter the same problem by making large purchases in the future, without telling me what the trigger to such block is. During the same day, I attempted a purchase of {$1300.00} once again, and indeed the card was blocked again.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (IL)

My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.
Consumer complaint received 2023-10-12
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. (FL)

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.

This accounts and Inquiries 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 2024-03-13
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. (AR)

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account XXXX  XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This debt does not belong to me. I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

This is an attempt to correct inaccurate information being reported in my credit report published. Upon being denied credit due to information being published in my credit report, I found a number of items on the report that are publishing, which are inaccurate pursuant to title 15 U.S.C 1681 ( a ) ( 1 ) all accounts must be accurate. Accounts has already been removed from XXXX report. 

The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX DPT/ED/XXXX EQUIFAX DPT/ED/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This debt does not belong to me. I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

This is an attempt to correct inaccurate information being reported in my credit report published. Upon being denied credit due to information being published in my credit report, I found a number of items on the report that are publishing, which are inaccurate pursuant to title 15 U.S.C 1681 ( a ) ( 1 ) all accounts must be accurate. Accounts has already been removed from XXXX report. 

The accounts in question are listed below along with uploaded screenshot of inaccuracies : TRANSUNION DPT/ED/XXXX  XXXX DPT/ED/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-25
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)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TN)

My loan was paid off early on XXXX and Upstart refuses to inform credit reporting agencies that the loan is paid off and closed. I contacted them several times and filed a dispute with XXXX. Upstart said my account is still active. Loan is number XXXX
Consumer complaint received 2023-06-07
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. (KS)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (LA)

My spouse is XXXX XXXX military enlisted/serving in the state of XXXX. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at XXXX  %. Please adjust my account accordingly. Thank you.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I opened an account with XXXX to manage my invoices and payments/bookkeeping, and their payment processor is WePay ( owned by JPMorgan ) XXXX and everything was approved instantly. This was on XXXX XXXX. On XXXX XXXX, a client paid an invoice in full in the amount of {$1200.00}, and received an email that successful charge had happened. Immediately after they received payment and took out their processing fee, they then send an email that my business is high risk, when it is in fact not in any high risk category as specified by payment processors online, closed my merchant account, and said that my funds will be held for 120 days and then will be re-reviewed. This has negatively affected our business as we had to complete client work without receiving payment and resulting in a loss for our business. I understand that payment processors will sometimes hold funds for risk, but 120 days is excessive. Upon further research and speaking to other business owners ( online and in person ), WePay has a track record of closing new accounts quickly and holding funds, and have even been documented as never paying out the funds after 120 days. This is awful business practice and illegal, and they need to be held accountable for seriously affecting small business operations for many businesses. I appealed account closure and funds withholding twice, and both resulted in no change of status, and little to no useful information as to why this has occured. This bank should be held accountable to disclosure of reasons for their actions. I even appealed the account category that they placed me in because it might have been a clerical error on their side, but as it seems, they do this to hundreds, if not thousands of businesses. I would like for them to release funds to me and for this complaint to reach them.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-10-12
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. (FL)

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX
Consumer complaint received 2023-04-19
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. (TX)

In accordance with 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 a account without my written instructions
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (IL)

Experian, XXXX, XXXX is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number 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.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

They are report inaccurate information and violating my privacy rights. On top of that I never gave consent to anyone to share my personal information with anyone or my transactions. Not only that I have sent numerous letters in to resolve this matter but no one has sent me the information that I requested. My last dispute was XXXX XXXX and they never replied back or sent the information I requested.
Consumer complaint received 2023-10-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a XXXX  month CD for {$230000.00} at Citizens Bank, XXXX, MA that had a mature date of XXXX XXXX, XXXX. On XX/XX/2023 I called the bank and spoke to a woman called XXXX who told me that the only penalty would be for {$78.00} because I was a senior citizen. 
On XXXX XXXX, XXXX I went to the bank at XXXX XXXX and tried to withdraw the money because I needed it for a closing. I was told the computer was off line and they could not help me. 

On XX/XX/2023 I returned to the bank to withdraw my funds and was told that a fraud alert had been placed on my CD but no one knew why. I waited for an hour while their employee XXXX XXXX participated in various computer chats with various employees off site to resolve the issue. 
Nothing was happening and it was now almost XXXX and I was sitting watching XXXX XXXX on his computer. I asked to speak to the manager, XXXX XXXX who was not helpful and offered lip service as to why I could not access my funds. I finally left. 
Finally, at XXXX I received a phone call telling me that my check was ready. I picked it up and it was for some {$3100.00} less that my statement. I asked XXXX XXXX to explain the variance and he said they were charging penalties on the CD. I had told him what XXXX had told me and he said she was wrong. I asked him for a listing of the penalties so I could refute them and he gave me that. I was told by their employee that penalties would not be assessed. I was not given the opportunity to refuse to pay the penalties until I went to pick up my check. I was not given a list of the penalties until I asked for it. 
These employees wasted my time on a matter of a fraud alert that had to do with the bank 's inner workings, and nothing to do with me. I relied on their information to withdraw my money and was not allowed to do so for XXXX hours. 
I would like the penalties waived and credited to me. That is the least they can do.
Consumer complaint received 2023-10-12
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. (IL)

I have noticed these unauthorized inquiries in my report. I have given the three credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX posted XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX posted on XX/XX/XXXX XXXX  posted XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

I am the victim of identity theft. A target credit card was opened in my name. I could not get ahold of any person from target to assist me. I emailed their fraud reporting and never heard anything back. I am requesting them to close the account and for me to not be held responsible for the fraud account
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I need to re-document and refile this grumbling to MACYS/CBNA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 

My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (IN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (CA)

Indentity theft. Someone obtained my social security number and tried to take out several loans under my name a may have successfully done so to a few. I have several inquiries on my report that I know nothing about I was not trying to take any loans in almost 2 years. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (ME)

I am receiving sporadic and inconsistent information from Aidvantage. I have been working for months to receive information about my income based monthly payment requirements. My monthly payment amount has gone up even though my salary has gone down by {$30000.00}. When applying for a FHA housing loan earlier this year, I needed documentation about my monthly payment. Aidvantage reported that my monthly payment would be {$310.00}. A couple of months ago my payment amount was listed as {$540.00}. I reached out to the company regarding the discrepancy and was told I needed to reapply for income based repayment and provide documentation that my income went down. I did that and have heard nothing even though I have reached out.
Consumer complaint received 2023-10-12
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. (OH)

There accounts on my credit report that does not belong to me and I did not authorize any of these accounts on my credit report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX