davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (FL)

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
Consumer complaint received 2023-04-20
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. (NC)

On XX/XX/23 XXXX XXXX had emailed me ( see attached ) that ALL accounts were marked for removal and and sent to the credit bureaus. 
Unethical that bureaus would put these up so quickly and yet NOT remove them immediately when they are told to but the " collection company ''. 
I feel these bureaus need to be fined or censured or other from the governing agencies in situations like this where they " seem '' to intentionally act against consumers. These are horrible actions.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a Bank of America Customized Cash Rewards credit card. The company does not allow you to set up autopay or pay your credit card bill online without a checking account. To open a checking account, I must enroll in direct deposit or maintain a minimum balance of {$1500.00} ( for the Advantage Plus account, the lowest option assuming one is not a student or under XXXX  ). My complaint is that commonly accepted payment methods such as autopay or online payments are directly linked to opening a checking account. This was NOT disclosed in the terms and conditions during the application process or in the cardholder agreement. This is an underhand way to charge credit card customers with an existing primary banking relationship a {$1500.00} fee for using the credit card. Additionally, the {$1500.00} minimum checking account balance accrues no interest which creates an opportunity cost ( XXXX is currently at 5.31 % ). Bank of America has a clear incentive to undertake this scheme. The company is experiencing higher deposit costs and deposit outflows amidst rising competition from alternatives such as Money Market Funds, High Yield Savings Accounts, and Treasury Bills. Non-interest bearing deposits are Bank of America 's cheapest form of funding. The more customers it can force to open non-interest bearing checking accounts, the better the company 's financial performance will be.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (VA)

This is on Robinhood. On XX/XX/XXXX, I tried to withdraw money back to my bank account and it failed. I tried multiple of times. My account is in good standing and dont owe anything. I also had the money that I was trying to withdraw. Later that day I received a notification that my Robinhood account is temporarily restricted without any reason. I immediately contacted them through XXXX chat and they said they cant do anything and told me to just wait for an email. Next few days I did get XXXX emails, requesting documents to verify identity and bank statements. All of the requested documents were submitted immediately. Then after that until today XXXX I have not heard anything. I called them and spoke over the phone the past XXXX  days including today, and all they say is they cant help or say anything. I have my savings that I deposited in there that Im trying to withdraw. I need to pay my bills and support my family but they are restricting me from my funds. Please help, I have almost {$24000.00} in there that Im trying to access. My Robinhood account is in good standing and dont owe anything. Thank you
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MMG Law Group, PLLC (AZ)

I received a phone call today at XXXX claiming to be a law firm and collecting a debt that is not mine. They produced personal information that was apparently on a loan application, which they believed to be valid. I indicated I was not party to this loan and have never heard of the loan provider. I also indicated there was no other attempt to collect on this fraudulent loan which they claim is approximately 3 years old. I did inform them I did in fact have fraudulent claims of debt in Summer of XXXX  with a different company with a similar claim. In the summer of XXXX  I froze my credit reporting and also filed fraud alerts with the three reporting agencies. 

I do not know of this loan company " American Web Loan ''. 

The debt collector claim to be a law firm " MMG Law Group , PLLC '' This debt does not not belong to me. 

I have since re instated the credit freeze and filed fraud alerts with all three credit reporting agencies. 

Than you for your attention in this matter.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern, There is information that is 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 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 transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete XXXX XXXX from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : XXXX.
Consumer complaint received 2020-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I gave XXXX XXXX XXXX access to my Capital One credit card to transfer funds to me. XXXX XXXX made an electronic telephone payment on XX/XX/2019 and then reversed the payment that took my account over the credit limit of {$15000.00}. I called Capital One and they said the account is closed and restricted so they will not discuss my account or provide any information. XXXX XXXX   XXXX took similar actions with my XXXX account.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete XXXX XXXX from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : XXXX.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SLM CORPORATION (MI)

all inquiries need to be removed from XXXX XXXX XX/XX/2023, XXXX XXXX XXXX, XXXX XX/XX/2023, Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Im filing this complain against Chexsystems they have not removed the fraudulent inquiries from my report in going to send the police report and ftc complaint and the copies of the chexsystems report to show there is over 43 inquiries in my report that someone has made with out my permission, these inquiries are fraudulent, please remove these inquiries as I did not try to open any accounts but these inquiries are stopping me from opening a checking account because this is hurting my credit and me financially, either remove these items from my report or Im going to have file a lawsuit tk have them removed, Im also sending a letter from a lawyer that I have hired to sue XXXX for the same thing, Im tired of asking and now I want these off and please do not come back with some excuse wow yall cant take them off or yall ignore what I send yall, now take everyone of these inquiries off my credit report or be sued, this is manipulating what have sent chexsystems, I will keep all copies of these complaints tk show how many times I have filed against Chexsystems and they have failed or didnt do there job, remember this complaint will be kept as evidence and can be used against Chexsystems
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (OH)

I have yet to receive the funds from the closed Business account, and I am formally requesting that the funds be transferred to the bank account ending in XXXX associated with it. 

Amount due to me {$650.00} Name : XXXX XXXX XXXX Name : XXXX 's Computer Service Email : XXXX Phone Number : XXXX
Consumer complaint received 2023-09-07
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. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX - {$130.00} - exp 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (CA)

Equifax continues to violate state and federal laws in the displaying and reporting of an account not belonging to me. This account has been disputed on multiple occations and consumer reporting agency says account comes back verified and belonging to me. Consumer has built a claim through administration process and hold Equifax to a default judgement for failure to properly and timely respond to the inaccurate information on my consumer report. This is notice of proof of claim and intention to sue. Consumer demands {$15000.00} remedy or face federal lawsuit for violations against FDCPA, FCRA, CCPA, FTCA, ECOA, PA and Identity Theft.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

My friend passed away and I was listed as his beneficiary on XXXX Citibank accounts. A death certificate was presented on XX/XX/XXXX and I was told by Citibank that they would send a check in 10 days pending account review. XXXX month later I hadnt received a check and went into my local Citibank branch and was asked to fill out a form and the check would be sent out immediately. XXXX weeks later I hadnt received the check and was told by the local branch XXXX that the check had been mailed XXXX weeks prior.. I told him that the check was not received. They took a day to research it and gave me a tracking number. When I called XXXX and Citibank, I was told it was sent to an undeliverable XXXX XXXX XXXX XXXX said the package was at their warehouse facility, so I drove over XXXX minutes each way to collect it. When I arrived at the facility I was told they no longer had it and it was unrecoverable in their warehouse. Citibank confirmed this. When I asked for a replacement check it a wire transfer, they said only a replacement check could be issued. The XXXX then spent the next few days going back and forth with various departments and I was told that Citibank didnt know which department was supposed to issue a replacement. They then told me that I needed to sign a affidavit that the check hadnt been received, which they prepared and I signed. Since the bank XXXX at Citibank still had no idea when I would receive the check I called several departments including the inheritance department and the account reconciliation department. No XXXX knee who was responsible for replacing the check so I was directed to an account escalation XXXX. I waited and waited and ultimately was forwarded to XXXX separate escalation managers. The last one told me that there was a form that needed to be filled out and I told them to contact the local branch XXXX to advise him. They did, and he called me and said that they needed the same form I filled out previous, only that it needed to be notarized. I asked the XXXX to prepare it and I would come in to have in notarized. He told me that they didnt have a notary available until next week so I had them prepare the form, which was identical to the previous one I had signed and didnt even have a notary block on it. I signed the form across the street at my XXXX XXXX branch and had them notarize it on the spot. It was returned immediately to Citibank 5 days ago and I still have not heard back from Citibank as to the status of my check. The about is in excess of {$320000.00} and Citibank has now had over XXXX weeks of using my money with no compensation.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information with the listed account DEPTEDXXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-06
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. (TX)

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 


Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Hello, This is in regards to JPMCB AUTO for an account for an auto loan. The account has since then been paid in full. After careful review, the account holder appears to be reporting an inaccuracy in payment history for XX/XX/2017. The payment was paid in full for the entire life of the loan. We called in to address the issue, the person we spoke with claimed to have the data and was happy to send it via mail but never sent anything to us. We later called back 6 weeks in XXXX and XXXX. The person on the phone told us since the account is closed, there is nothing they can do and they're unable to update the payment history. I asked to speak to someone else and or a manager, I was then advised a manager would personally call me back. No one ever contacted me. I believe this information to be inaccurate and is affecting my credit score. Please update the payment history to all 100 % payment history showing all on time payments. The account has since then been closed and has been paid in full. There is no reason to show a late payment any longer.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Act Reliant Cap my rights has been violated. The name XXXX XXXX is reporting on my consumer falsely. 15 U.S.C 1681e Section ( b ). States wherever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about who the report relates.