davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

I was in XX/XX/XXXXand almost {$3500.00} was take and charged to my card. I sent in all of the information and proof that is was not me and that my card was stolen and that I was in the XXXX XXXXXX/XX/XXXXand they refused to give me my money back. I have tried everything but driving from XXXX XXXX Texas up to XXXX Texas where the NetSpend corporation is located. They still have not sent me my new debit card in the mail and my next Check department of veterans affairs check will be deposited on the XXXX of this month and I will have to transfer my money to the card I had to go out and buy because is was the only early I could have access to my money and not all of it at that because you are only able to transfer so much in a week and I have 2 checks from the government that go to that account. You would think that after being a customer for 17 years that the would want to take care of a loyal customer but nope they won't even let me talk to the fraud department of anyone higher than the customer service department. I just want my money back I was XX/XX/XXXX for over a month because of this and I had to XX/XX/XXXX and XX/XX/XXXX and that is no way for a combat veteran to live. All I'm asking for is my money that was stolen from me and was reported as soon as I got out of jail back to me because you can look for yourself on the XXXX XXXX Texas website that I was XX/XX/XXXXduring the time the charges were made. I would appreciate your help in this matter. Be The charges in question go from XXXX to XX/XX/XXXX. Please help with what you can as I'm loosing everything due to the loss of this money. Like I said I lost My house I lost my Truck I lost my wife and I lost my children all due to NetSpend not giving me my money back. I'm still trying to recover and I'm having to live with my granddaughter because I lost everything else and it is very embarrassing and degrading to be a XXXX year old man having to live with your Granddaughter. I also have screen shots of my mobile app showing the charges and all they would have to do is look at the video footage a d they would've seen clearly that the charges were not made by me. You will have to look my account up by my SSN because thay have not sent me a new card and I ordered a new XXXX when I made the report the day I got out ofXX/XX/XXXX. My XXXX is XXXX and I have to accounts here is the account number if it will help. The account number is XXXX. I have been a customer since XX/XX/XXXX and this is not how you treat a loyal customer or a combat veteran in any way shape or form!!! Please help. I can be be reached on any of my contacts below. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance : {$0.00}
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc. (PA)

On XX/XX/2020 purchased a product door to door sell of the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX putting {$500.00} upfront and {$4300.00} financed through United Consumer Financial Services. On XX/XX/2020 I informed both the bank and company that I was cancelling the item. I sent an email with cancellation paperwork to the bank and a certified letter of cancellation through XXXX to XXXX XXXX XXXX XXXX on and before XX/XX/2020. I also spoke to XXXX the seller of product on XX/XX/2020 informing of cancellation and pickup of product. On XX/XX/2020 I received a letter stating my account was closed and cancelled. On XX/XX/2020 I received a call from XXXX at United Consumer Financial Services stating that my account was reopened without my consent or knowledge and I now have a past due balance of {$4300.00}. When talking to XXXX at the bank she informed my XXXX XXXX XXXX XXXX are not honoring my cancellation and therefore requested my account be reopened against my knowledge or consent. I've made more than 20 calls to XXXX XXXX XXXX XXXX and spoke to XXXX one time no one answers or returns calls. They are refusing to pick up the product as they have stated it is their responsibility to pick up their merchandise.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Daughter charged a product with my store credit card issued by Wells Fargo for XXXX in XX/XX/XXXX. I never received a bill via email, regular mail ... ( validation of debt ). I discovered there was a problem in XX/XX/XXXX while reviewing my credit scores. I contacted Wells Fargo immediately and made on phone arrangements to payoff ( and close ) acct. All late fees were waved. 
My acct was sent to an investigator who stated, at the end, they only send bills as a courtesy and since I made the charge, I was responsible. They again charged late fees as the investigation took place. She waved the late charges for the final and third time. 
I have no papers to confirm what wrongs have been committed by the credit card institution against me, which equals = no proof or chance of resolution. In my profession my credit score is used with any and all job applications. All lies, miss leading referrals, promises are unprovable because all contact with these people was by phone. All disputes to credit report agencies are strictly based on documentation. 
The only up shot I have is that my credit score was at one time XXXX and anyone who sees my credit report will automatically see the problem may not lay with me, but in fact the problem lays wth Wells Fargo Bank.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I did not provide the credit reporting agencies with written permission to report any of these accounts. 

( SEE ATTACHED DOCUMENTS ) That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I attempted to use my card and it was declined. I contacted the bank and was told that the card was closed by the bank. When I asked them why they cited vague reasons caused by some sort of system glitch. I had never missed a payment and had just paid off my balance on the card. I believe the card was closed because I pay my bill and the company only wants to keep accounts that pay high interest rates. They punished me for paying my bill. Because of this account closure I have lost access to my rewards dollars that I earned in good faith. The bank was Synchrony Bank.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.
Consumer complaint received 2023-02-01
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Southwest Credit Systems, L.P. (PA)

I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?
Consumer complaint received 2024-03-04
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I right 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 2018-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CO)

THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. XXXX AND XXXX, RESURGENT CAPITAL SERVICES, LVNV AND XXXX XXXX BANK. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
Consumer complaint received 2024-03-04
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. (MD)

I Have Multiple Unauthorized Inquiries On Credit Report That I Need Removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear XXXX There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted ; My request to block and delete is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

PLEASE FIND ATTACHED THE DOCUMENTS AND THE DISPUTE LETTER INORDER TO FOLLOWUP ON THE A DELINQUENCY / NEGATIVE ITEM ON MY CREDIT FILE, ON MY XXXX ACCOUNT NUMBER XXXX, I WAS NEVER LATE AND THE ERROR HAPPENED ITS EITHER A BANKING ERROR OR CREDITORS FAULT. I HAVE DISPUTED XXXX ND XXXX, THEY BOTH HAVE REMOVED THIS ACCOUNT. 
BUT EXPERIAN IS NOT RESPONDING TO MY DISPUTES AND LETTERS, PLEASE HELP ME BY RESOLVING THIS ACCOUNT .POLICE REPORT ALSO ATTACHED. 
THANK YOU
Consumer complaint received 2023-03-20
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. (GA)

Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.
Consumer complaint received 2023-05-29
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XXXX2020 I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2023-02-01
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 — Investigation took more than 30 days
Company: Keynote Consulting, Inc. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I requested a roll over of my retirement acc from TIAA to XXXX XXXX  After many calls with incompetent TIAA agents and missing forms they finally processed the transfer but that is unbelievable they send {$270.00} XXXX by regular snail mail usps as a XXXX card- no certified mail or tracking Very unsafe, unsecure and prone to be lost or stolen beside lost interest for more than 10 days No checks were received after 4 days? 
Agent say XXXX certified over night may be available upon request but I was never informed I will make sure that will be addressed-completely carless from your customers
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately.

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found.

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.