davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$80.00}
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (MI)

My Apple Card with Goldman Sachs had been restricted/under review for three months now. I have asked for updates but for security reasons they wont give me information. I have submitted two complaints about the time in their system and I have gotten no response from anyone. It has been locked now for too long with NO word at all.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I deposited a check from my employer on XX/XX/XXXX at the ATM that is the same employer who direct deposits my direct deposit. Huntington then without cause or justification placed a hold on my deposit. They were rude and refused to give a reasoning for the hold only stating it was regarding the collectability of the item. I went to the branch and they called and I had my employer on the line who stated they could contact them or their financial institution that it was drawn off of to verify they refused. I had previously spoke to the call center who was rude, would not give me any information and accused me of committing check fraud against my same employer who deposits money in my account. The call went left of course as I have been with with Huntington for a long time since I lived in Michigan and to place a hold without cause and then refuse to even attempt to verify the item was not justified. Then on XX/XX/XXXX I attempted to login to my account I could not I called the call center again and they said I needed to go into the branch as they could not discuss the account. I went to the branch who knows me very well as again I have been a longtime customer for years they called the corporate office who told them my account was being closed due to the phone conversation the previous day and that I was attempting to commit bank fraud. This is not true and my employer even was going to verify the item. I talked to several people I know and they told me Huntington has done this to them also that they will accuse good customers of frau and close their account without just cause or place extended holds on their accounts for no reasoning. Now they are returning my direct deposit and I will now be getting evicted because they refuse to give me my deposit. I can not pay my rent or car payment and they have over {$2000.00} of my money. No one was committing fraud and the employee 's were rude and Huntington has a pattern of doing this behavior without just cause. Using bank discretion as their excuse.
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX  XXXX-Balance {$0.00} 2. XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/ 3. XXXX-Balance $ 189.00-Date Opened : XX/XX/ 4. XXXXBalance $ XXXX-Date Opened : XX/XX/ 5. XXXX  XXXX-Balance $ XXXXDate Opened : XX/XX/
Consumer complaint received 2023-07-23
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. (NC)

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 2023-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was looking at my credit report recently and I noticed a lot of fraudulent credit inquiries on my credit report such as, XXXX XXXX XXXX, Capital One Bank, XXXX, XXXX XXXX.
Consumer complaint received 2023-05-26
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. (NC)

I am very concerned because my credit reports are showing discrepencies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information you are in violation.
Consumer complaint received 2023-07-23
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 2021-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America charged me a fee of {$12.00} on XX/XX/XXXX. I dispute this fee and request it be reversed. I spoke for 56 minutes to customer service on XX/XX/XXXX, but they refused to reverse this fee. I have been a Bank of America account holder for 22 years and this is the first charge I have seen of this nature. I received no notice of this fee and it is not listed in my Schedule of Fees. I still have my Deposit Agreement and Schedule of Fees from when I opened my account. In 22 years, I have never received an updated Deposit Agreement or Schedule of Fees even though the Deposit Agreement I have says Bank of America will provide advance notice of changes. The Schedule of Fees I have does not mention a XXXX XXXX monthly maintenance fee when my account balance falls below {$1500.00}. After 56 minutes on the phone, no Bank of America representative could tell me when I received advance written notice of this fee. I request it be reversed. It is a shame Bank of America does not value its customers of 22 years.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I have submitted multiple disputes with Experian regarding inaccurate credit reporting from XXXX, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as Experian shares a duty to ensure the accuracy of the information reported to it by the creditor.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I sent a certified letter to XXXX XXXX and Equifax to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXXXXXX XXXX  XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These are some of the companies that ran my information without my permission
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my Nordstrom Card credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

On XX/XX/2019, I opened a case with Lexington Law Firm to remove a negative item on my credit report. From day one I made it clear that this item was the result of identity theft. For the next 7 months, they charged me their monthly fees, yet failed to follow proper identity theft protocol established by the FTC. 

It is no surprise that their work has led to no impact. Though I understand their stance is to not guarantee results, the fact that they accepted my identity theft-related case yet failed to follow protocol is not acceptable. This is a misleading practice.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I opened a Santander banking account in XXXX of 2016. At the time of opening there was a {$150.00} incentive to open the account. Since that time, I have called Santander 2 times to determine when the XXXX will be credited. XXXX call I was told there is a 3 month wait to get the credit so I would get it in XXXX. 2nd time I called I was told XXXX. I just called today XXXX and was told I am not eligible to receive the incentive. I wish to log a complaint about Santander 's deceptive business practices.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (FL)

Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX  of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card. 

During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute. 

They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ). 

Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process.

They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a
whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable.

The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.
Consumer complaint received 2023-05-12
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. (MA)

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 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. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-07-23
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. (SC)

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. 

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 2021-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (WY)

Problem : I changed phone numbers on XX/XX/2021, and I have 2 factor authentication ( 2FA ) on my Binance account. I have been trying to contact Binance Technical Support to get back access to my account ever since. I can not transfer/withdraw/deposit or do anything else with my money since this started. 

Estimated Virtual Currency Amounts : BTC XXXX BNB XXXX XXXX  XXXX XRP XXXX I would post an US Dollar estimate of these amounts, but it could change dramatically by the time you read this. 

XX/XX/2021 I changed my phone number. 
XX/XX/2021 I sent a email ( the only way to contact Binance ) asking to reset my 2FA to get access to my account. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying that my request was received. 
XX/XX/2021 I get an email asking if I still need help, and I respond that I do. 
XX/XX/2021 I send an email saying that I will submit a complaint to the federal government if they do not resolve my issue Everything that I have seen online says that Binance is very bad at responding to these issues. If it persists, I may look into starting a class-action lawsuit.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (ID)

I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.
Consumer complaint received 2021-06-19
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: Experian Information Solutions Inc. (DE)

This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NC)

I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IN)

I contacted LexisNexis to dispute the incorrect information on my report that listed on my consumer report. I had disputed three items, one of the items being disputed was my education listed on my report. Initially, LexisNexis had stated I went to XXXX XXXX as an XXXXXXXX XXXX. I never attended XXXXXXXX XXXXy nor earned my XXXX XXXX XXXX. I earned a XXXX XXXX XXXX with an Interdepartmental degree in XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX with a Double major in XXXX from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX with a concentration in XXXX XXXX from XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, Indiana in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. To ensure my education record was recorded by institution, I went to the XXXX XXXX XXXX which is a database that holds academic records from academic institution. I paid {$39.00} to verify this information and I was successful verified through XXXX XXXX XXXX of my education records. 

I provided LexisNexis with the necessary documentation to update my record, and I was told by LexisNexis in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.