davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (DE)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

A bank officer from U.S. Bank ( XXXX XXXX ) merchant banking in XXXX XXXX XXXX XXXX contacted me over 6 months ago. He was persistent in getting me signed up for the credit card processing with their partner XXXX. XXXX told me that if I sign up I would receive {$1000.00} in my business checking account within 2 months or so. I did sign up with their ( U.S. Bank ) credit card processing system managed by XXXX. It has been over 6 months and XXXX XXXX has been stringing me and others along with misrepresentation and deceptive practice of signing up U.S. Bank customers for credit card processing with a false promise of {$1000.00} reward in deposit in checking. 
I have all proof of his texts, etc.. This deceptive and unethical practice must be stopped and a penalty must be provided to me and your agency for misrepresentation and deceptive practices by a U.S. Bank employee.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (CT)

A dispute was filed with Comenity Bank over the phone regarding a purchase made on XXXX, the amount of {$1500.00}, a Mens bracelet, Item was refused via XXXX, received back by merchant on XXXX, XXXX tracking info attached to this complaint as well as transaction detail.. For whatever reason, merchant has not refunded to date. Dispute was filed several days ago, nothing done in re thus far as far as I know.. The account in question with Jared/Comenity Bank XXXX XXXX XXXX. Please see attached transaction detail as well as XXXX tracking info showing return..
Consumer complaint received 2023-01-19
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. (TN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX & XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$60000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX ( Date Opened :, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$640.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-05
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. (TX)

Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (VA)

The problem is essentially multiple Discriminations by PNC Investment ( PNCI ). My wife and I ( XXXX, & XXXX ) have 2 retirement accounts ( about $ 400K ) in PNCI. Due to its NO-service acts ( particularly during Spring XXXX ), I made a complaint against PNCI and claimed the compensation for the investment loss due to its fault. PNCI responded us for only 1-yr. fee waive. We could not accept it but have continued the dispute. In this dispute, I have nothing wrong or improper to PNCI 's business. On XX/XX/XXXX, PNCI decided to brutally terminate ALL of our accounts, and forced us liquidate/transact out all of our assents. 
Currently, I am fighting with PNCI for its discriminations in 1 ) Not providing services as a public accommodation 2 ) Age-, racial and origin-related discrimination 3 ) Depriving of our rights as PNCI 's customers etc.

In this message, I would like to get some legal consultant or help in my fighting against discrimination and get reasonable compensation for our investment loss. E.g.

1 ) What's the best way ( lawsuit or arbitration ) to resolve the problem?

2 ) Does FINRA arbitration handle discrimination related dispute?

Thanks for your attention.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (IN)

CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. 

MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! 

CITIBANK 14 PLUS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-10
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)

There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
Consumer complaint received 2021-01-10
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: Experian Information Solutions Inc. (NV)

I noticed a hard credit inquiry made on my Experian credit report by " XXXX XXXX  '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. Experian is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I contacted Bank of America upset that they transferred more than enough money from my overdraft account to my checking account to cover an unathorized charge ( I already handled the unathorized charge with the party charging ). I was told the alternative was not to have the overdraft kick in and have all charges rejected. I agreed that was best. Only then did XXXX advise me tha tthere is a {$35.00} charge when they reject a charge. I advised her I did not want that, keep it as it is. Then I recieved a letter in the mail that they had removed the overdraft protection and disconnected the accounts. When I called Bank of America upset this unathorized change was made by their employee they indicated they were unable to reverse what their employee had done as they no longer offer such a service. I advised them her changes to my account were not authorized once I learned of the implicaitons of that alternative and that her behavior was unathorized and therefore illegal. As a result, I intend to close my accounts with Bank of America as I can not trust their 'customer service ' with my accounts.
Consumer complaint received 2023-06-05
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)

Im submitting this CFPB complaint complaint to you today to inform you that I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (IA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XX/XX/2023
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have contacted Equifax and  XXXX  dozens of times about inaccuracies on my credit report. Every single time I dispute,  XXXX  comes back with different information, and Equifax just let these companies put errors on peoples credit report. These  XXXX  entries should already be deleted, but  XXXX  is reaging the accounts. They are not even submiting account numbers or date of last activity because they know it has passed the statue of limitations.   The report number is :  XXXX   XXXX    XXXX   Show Details   XXXX    XXXX / XXXX / XXXX  {$4800.00}  XXXX / XXXX / XXXX  {$4800.00} CHARGE-OFF  XXXX   XXXX   XXXX  Show Details   XXXX    XXXX / XXXX / XXXX  {$11000.00}  XXXX / XXXX / XXXX  {$11000.00} CHARGE-OFF {$15000.00}  XXXX   XXXX    XXXX   Show Details  XXXX   XXXX / XXXX / XXXX  {$10000.00}  XXXX / XXXX / XXXX  {$10000.00} CHARGE-OFF
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX I deposited a check for {$990.00}. 
On XXXX the check was returned for Non Sufficient Funds. 

The Bank, XXXX XXXX Bank, VALIDATED to Capital One that the check was a valid check to a valid account, but the account did not have sufficient funds. 

Capital One, on XXXX FROZE my accounts. ALL of my accounts. I have {$2600.00} of my personal funds FROZEN because of a XXXX party writing a check which had non sufficient funds. 
On XXXX my Mortgage XXXX was returned costing me {$25.00} in fees because my mortgage payment was RETURNED. 

I called Capital One twice to resolve this issue. They insist that it is their " policy '' to " Validate '' the check WITH THE XXXX XXXX. This XXXX party is difficult to get ahold of, and when I asked her to comply with Capital Ones Policy, she told me it's NOT HER PROBLEM and she does not want to do so. 

1. WHY is Capital One FORCING a THIRD PARTY to " Validate '' a non sufficient Funds Check? 

This has significant legal ramifications. 
A. On what XXXX  BASIS does Capital One have to FORCE a 3rd Party to comply with their internal " policy ''? 

B. On whaXXXX XXXX BASIS does Capital One have to force me to SUE the 3rd Party to comply with their policy? If the 3rd Party does not comply with Capital Ones policy, in order for my funds to be unfrozen, I must then sue them to force a judge to compel them to comply with Capital Ones policy (!!! ) 2. WHY is Capital One forcing a XXXX party to " validate '' a check when the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX that the check was valid and attempted to withdraw funds. The check was NOT RETURNED invalid, it was returned as VALID but non sufficient funds. 

XXXX. WHY is Capital One taking ADVERSE POSSESSION of my Property beyond the amount in dispute? What VALID LEGAL reason does Capital One have to in essence confiscate/ take adverse possession, even if temporary, of ALL of my funds in EXCESS of the amount in dispute? 

A. This creates significant financial harm to ANY CONSUMER of Capital One who encounters a nonsufficient funds check written to them by a 3rd party. 
B. Thus creates undue significant time and expenditure attempting to contact AND COMPEL A 3RD PARTY to " validate '' that they actually wrote the check. 

XXXX. Why is Capital One the ONLY BANK I have ever encountered this " policy '' This policy is Unreasonable. 
No other Bank to my knowledge has this absurd policy. 
Freezing funds beyond the disputed amount is unreasonable. 
Freezing funds causing significant financial harm is unreasonable. 
Freezing funds forcing consumers to compel a 3rd party to validate a check ALREADY VALIDATED by the 3rd party 's bank is unreasonable and absurd. 

This policy is Unconstitutional and ILLEGAL. 
Capital One has NO XXXX  BASIS to compel non-clients to comply with its internal policies. 
Capital Ones policy creates circumstances which forces a client to possibly sue the 3rd party to obtain a court order from a judge to comply with Capital Ones internal policy.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from TransUnion, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX - Prosper I have attached the police report that I filed with XXXX.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NY)

I sent a check in for {$2200.00} to Avant ( the credit card company ) approximately XX/XX/XXXX. My bank confirmed that the credit card company endorsed and cashed the check on XX/XX/XXXX, and provided me evidence of such. As of today, XX/XX/XXXX, this amount has not been applied to my balance. I have contacted Avant many times via phone and email, and they " escalated '' my problem on XX/XX/XXXX. They have not responded with an update, an explanation, or anything at all, and have not applied the amount to the balance.
Consumer complaint received 2023-07-24
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$530.00}.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

I recently retired and moved to the XXXX. On XX/XX/2023, while back in the XXXX to complete the sale of my XXXX XXXX, I created a checking account with CitiBank at its XXXX XXXXXXXX XXXX branch in order to be able to make international wire transfers to the XXXX. After the account was created, I notified CitiBank of my travel to XXXX XXXX via CitiBank 's XXXX application. Despite having done this, CitiBank froze my account once I returned to the XXXX on XX/XX/XXXX and started accessing my account via the CitiBank phone app. Numerous attempts/calls to CitiBank 's XXXX department XXXX XXXX CitiBank canceling XXXX account despite being given the identity verification information it requested. There are more details to the situation, but the above is what happened in a nutshell. I attempted to provide CitiBank with multiple other documents/information to verify my identity, but CitiBank 's XXXX department refused to provide any email address or other means of communication, even when requested by the XXXX XXXXXXXX XXXX XXXX office XXXX the XXXX department on my behalf. 

I would like the {$8900.00} balance of my account deposited in my XXXX XXXX  account directly by Citibank. I would have used XXXXXXXX XXXX for the international wire transfers, but was told by XXXX XXXX that I would have to be physically present at a XXXX XXXX  branch in the XXXX to do so. Being in the XXXX, this is not possible. 

I can share many documents/information confirming my identity. Please contact me to advise how this information can be shared. 

Thank you!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have a private student loan with Naviant, which was with XXXX prior. I have had many discussions with them in the past and just recently, that I can not afford by monthly payment of {$130.00} per month on a loan amount of {$9600.00}, with 7 % interest. I was told even if I refinanced with them to 1 %, it would n't bring my payment down to {$50.00} to qualify for a new payment plan. So, I did n't qualify for a lower amount. Navient does n't work their clients, they gave me me no options, and told me to pay it or default and they will garnish my wages. My father is a co-signor on this loan, he is in his XXXX, he wo n't be paying this if I default on it. So, I am stuck and ca n't afford to pay it.