davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (NJ)

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 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CENTRAL BANCOMPANY, INC (MO)

The first situation was on XX/XX/XXXX I tried to withdraw money from the ATM located at the XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX using my XXXX XXXX XXXX. Tried to get {$500.00} but the ATM froze. It made a sound like it was about to dispense the cash but nothing came out. Went into the Bank and talked to the XXXX showed my transaction cancelled receipt to XXXX XXXX who said that he needed to audit the ATM. Next day called me saying that in fact there was money at the bottom drawer of the ATM but he needed to double check. Went to the Bank again and he told me there was nothing wrong and the XXXX didn't showed anything wrong. Asked him about the money at the bottom Drawer and he said " I never said that ''. Told him to please verify the ATM video but he refused. My bank opened an investigation but XXXX XXXX XXXX XXXXXXXX responded that there was no mistake and I actually withdraw the money. Because of this my bank charged me overdraft fees. Again on XX/XX/XXXX around XXXX had the same situation but this time at the XXXX XXXXXXXX XXXX XXXXXXXX XXXX Went into the Bank but they are being evasive and couldn't speak to the XXXX. There is an ongoing investigation with my current bank.
Consumer complaint received 2023-11-01
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2023-12-07
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)

Please remove the following inquiries that I did not authorize from my credit report XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I do not accept your findings. I have forwarded your most recent communication to Rooms to Go however I am aware of my rights as a consumer and you are violating them by refusing to offer me a fair dispute resolution. I originally informed you the merchant was unhelpful with me when attempting to file a dispute. You as my card issuer received a dispute from me and despite you ruling against me due to signed delivery slips, sales invoices, and proof of delivery. I then provided you with clear communication stating the delivery had not been done and also pointed that you both sent and accepted signed delivery slips for separate deliveries which do not pertain to my dispute to deny my claim. You have stated you cant verify delivery slip legitimacy however I still want to know what information you have verified as legitimate since you have decided to charge me, the policy set for by Rooms to Go does relate to you as the financing option through you is what is referenced meaning you have an agreement not to charge until furniture is delivered with Rooms to Go and therefore with me the cardholder, I again want to know what this proof is as you cant tell me to go contact a merchant who I have tried to resolve with as my card issuer if I contact you to file a dispute you need to take the information provided including the information i sent disproving the proof of delivery used and properly investigate my claim.
Consumer complaint received 2023-12-05
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (AR)

The problem I have is that there is information missing on my XXXX credit report. My Discover credit card does not show up on this report - I have had this account for over XXXX years. The information correctly shows up on my XXXX and XXXX credit reports. 

I have reached out to XXXX a few times - I don't have every date of correspondence. At some point in XXXX, I mailed in pages of Discover credit card statements, and my XXXX and XXXX credit reports correctly showing my information. I never heard back about this. I reached out via call on XX/XX/XXXX, back in XX/XX/XXXX, and again XX/XX/XXXX. Every time I reach out, they tell me there is nothing they can do because the onus is on Discover to report that information to them. 

I have exhausted my options with Discover- they insist that they report my information every month to all three credit bureaus ( which I am inclined to believe since the other XXXX credit agencies have my information correct ). Twice I have initiated an " investigation '' with Discover. The investigation is supposed to lead to them reaching out to XXXX and getting XXXX to correct my information. I initiated this investigation with Discover back in XX/XX/XXXX, and again on XX/XX/XXXX. I have never heard back about this. 

I have verified that my full name, address, and social security number are all correct with Discover and XXXX.
Consumer complaint received 2023-12-05
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-19
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I noticed a charge of {$86.00} from the XXXX XXXX XXXX " XXXX XXXX '' on Wednesday XX/XX/year>. I have not been to that establishment in over three months so it's impossible for this charge to have occurred. I called them the same day and asked for more information regarding this charge because I suspected fraud. They told me there was a glitch in their billing system and several other people had been impacted by this glitch. I disputed the charge with AMEX. AMEX reached out to XXXX XXXX who sent them over a receipt of the transaction so they denied my dispute. However, since there was a glitch in their billing system, and I had already visited this location in the past, they would no doubt have my information handy and can easily produce a receipt. You can check my phone information, or other data, I was nowhere near that establishment at the time the transaction occurred.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I received a credit report from Equifax ( File XXXX ) dated XX/XX/XXXX which indicated that a re-investigation was completed for the my XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
However, the " date updated '' for all these accounts remained unchanged at XX/XX/XXXX. This discrepancy suggests that Equifax did not conduct a proper investigation into my dispute, as required by law. Equifax failed to include a " Notice of Dispute '' in my credit report, which is a clear violation of FCRA 623 ( A ) ( 3 ) which Ive highlighted proof in the attached documents from Equifax. I have also attached a letter from XXXX confirming that my account has never been late, and the dates in question should reflect as " never late. '' I would like these accounts to be updated correctly in my report.
Consumer complaint received 2023-04-14
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. (TN)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

I am filing this complaint regarding an ongoing issue with my Cash App account that began on XX/XX/year>. Here are the details : Initial Problem : On XX/XX/year>, I received an email notice of a {$250.00} deposit into my Cash App account. However, I was unable to open the app on my phone to access my account. 

First Contact with Support : After several unsuccessful attempts to open the app, I contacted Cash App support on XX/XX/year>. A customer support agent advised me to delete and reinstall the app on my phone. They also performed an advanced configuration on my phone, which allowed me to open the app but not access my account. 

Second Attempt to Access Account : On XX/XX/year>, I tried to access my account again, but the app stated it couldn't verify my identification. 

Repeated Attempts : On XX/XX/year>, I made seven attempts to access my account, all unsuccessful. The app then advised me to create a new account and add the profile I couldn't access to my phone. I followed these steps but was still unable to access my account. 

Further Contact with Support : On XX/XX/year>, I contacted Cash App support again, explaining that I had gone through all the necessary steps to access my account. They advised me to order a new debit card for the new account and verify my identity via my driver 's license and a photo submission to Cash App for verification. I completed the verification process and received a text stating my verification was complete. However, when I called support again, the agent informed me that access to the account was denied and my funds would remain inaccessible. 
Escalation and Email Support : I requested the issue be escalated to a manager. The support agent put me on a brief hold and then informed me that I would be contacted via email. On Saturday, XX/XX/year>, I received an email from an AI email support system requesting the same security information I had previously provided to other support agents. I supplied the requested information, including screenshots of Cash App debits and credits from my connected checking account. Despite following the same steps to connect my old account to the new account, I encountered the same issue. 

Throughout this period, Cash App has not provided any effective resolution, leaving me without access to my funds. The total amount of funds I am unable to access is {$250.00}. This situation has caused significant frustration and inconvenience. I am seeking your assistance to resolve this matter and regain access to my funds as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-09-22
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. (TN)

I am a victim of identity theft. I filed the correct paperwork according to the FCRA and attached it to my disputes. The credit agencies are not processing my disputes correctly and not sending me copies of the verification process.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (NJ)

XXXX at Wells Fargo banking XXXX was charged XXXX overdraft for something for no reason. I spoke to a customer service rep, and they did not want to dispute the charge no action take was taken on their behalf
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX I took out a Parent loan from Sallie Mae/Navient in the amount of {$41000.00} to assist my daughter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as all the loans/grants she qualified and received were not sufficient to fund her education at XXXX. After paying on this loan for twenty years, I paid the balanced owed of {$39000.00} on XX/XX/XXXX. I paid off this loan with the money I inherited after my Father 's death and after I was forced to retire at the age of XXXX when the company I worked for moved their operations to XXXX. I was not able to make the {$280.00} monthly payments with only Social Security as income. On XX/XX/XXXX Navient sent me a letter telling me my expected loan pay off date was XXXX of XXXX when I would turn XXXX XXXX XXXX. I would like to have the amount paid over the original loan amount refunded.
Consumer complaint received 2023-12-05
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. (MD)

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 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 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (UT)

The debt for XXXX of {$190.00} was taken out of my 2023 state taxes in Utah. About 4 months later it reappeared on my credit. The charge was ill Legitimate to begin with. I had a 2 year contract with XXXX XXXX at the end of my 2 years. I told them to cancel My phone line and that I would no longer be using them. They canceled my phone line and then sent me a bill 3 months later for a {$190.00} for 2 months of Services never rendered.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I was billed {$7400.00} when in fact the amount was {$3700.00}. In addition to that I was charged another {$120.00}. 

I called Citibank on XX/XX/24 and spoke to three representatives from XXXX ( XXXX, XXXX and XXXX ) @ XXXX EST and they told me that they could not access the information. 

Please help me get this resolved. 

Thanks - XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Consumer complaint received 2024-05-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Ive had a Lowes CC for 4 years. Without probable cause, Syncrony Bank decreased my credit limit from XXXX to XXXX, which is damaging to my credit score. Ive never been late with payments or any other opened account on my credit report. Ive never used above 30 % of my available credit on this card. Synchrony Bank has unethical business practices.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CO)

A company called early warning system has a number of erroneous accounts that were opened due to a data breach on my credit report all of which I have contested with them personally XXXX of them they removed and there are still a few remaining but they are dragging their feet and correcting them
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I bank with Wells fargo around a month ago I saw large amounts of money was missing from my checking account. I saw my debit card was sending money through XXXX XXXX to someone. I knew it wasn't me.7 transactions in 8 days over XXXX XXXX dollars.I contact Wells fargo fraud department . They started an investigation put the money back in my account. I get a letter yesterday from them telling me all transactions were authorized or no processing error occurred. I called and requested the evidence to support how they came to this decision. I have used XXXX XXXX maybe less than XXXX times my life.I never have used an online account. Who send XXXX XXXX dollars somewhere within 7 days.I question has my identity been stolen nothing else makes sense. I canceled the card.