davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

I closed a 5 year fully matured XXXX 1 day after the grace period on XXXX My complaints : .Extremely high fees & penalties for only 1 day late on a fully matured XXXX XXXX disclosure that the XXXX would rollover into an extremely low interest that was a fraction of going rates .Bank clerk/manager refused XXXX give me any formal description or itemization of US Bank fees & penalties XXXX XXXX clerk told me ( XXXX senior citizen ) to go on line to get this information.. 

My suspicions : .Their competitive rates are called Specials so that the published terms & conditions can be worded in such a manner so that the customer is led to believe that the automatic rollover rates will be competitive with current rates.. 

. Their business model supports my belief that their excessive, hard to locate & calculate fees/penalties are a tool to make money from their busy customers, whose only misstep was to believe that they were dealing with a fair & reputable bank.. 

In my case ; XXXX day late cost me {$93.00}, more than XXXX of the interest rate, I had rightfully earned on a fully matured CD.. 

I want others to know, & beware of XXXX banks deceptive CD practices, & determine for themselves if this bank is worthy of their patronage.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Propel, Inc. (LA)

On XX/XX/2023, my account Providers from XXXX Bank the reason that they close my account because they said that we wouldnt be a match for my banking needs which is a lie. I do have all the proof from them that they promised me a refund and you keep giving me the runaround my refund was supposed to be a total of {$1200.00} plus another {$53.00} and change they have not cooperate with me. Theyre not trying to give me a refund Ive called them so many times and at this point I am really ready to sue them so they can refund me my money so I do have all the proof you need I will send you the proof so youll see what kind of people they are they are scammers and they are stealing everything that I took. I had disputed with them and they keep giving me the runaround.
Consumer complaint received 2024-04-04
Product: Credit reporting 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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-05-03
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: Bread Financial Holdings, Inc. (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2023-10-02
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. (NJ)

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (CA)

When XXXX Insurance company emailed me my auto insurance estimate, they listed a high premium according to the Consumer Report Lexis Nexis statements of being in a car accident. The incident of collision is not my fault. My attorney has evidence that the other driver has a history of running red lights. This is the contact to the case manager who handled the case of the accident XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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 have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.
Consumer complaint received 2023-10-02
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. (MD)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning. 

We did not feel it was safe to stay at the property, and left. 

When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working. 

The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MN)

Payment was Sent on XX/XX/XXXX around XXXX PM. The merchandise agreed upon by both parties was not shipped. The seller relisted the item for sale on XX/XX/XXXX at XXXX PM. The seller insists they have shipped the merchandise but refuses to provide a tracking number. Contact with the seller remained until XX/XX/XXXX when the seller blocked the buyer from further contact. A refund was requested from merchant address " XXXX, CA '' on XX/XX/XXXX. Buyer has received no response from the merchant as of XX/XX/XXXX. Started dispute with XXXX XXXX on XX/XX/XXXX for {$400.00} with the reason of goods/services not received. XXXX XXXX requested no further information or supporting documentation from the claim filer. As of XX/XX/XXXX the dispute was updated and officially denied. On XX/XX/XXXX the dispute filer called the XXXX XXXX support line and inquired about appealing the ruling of said claim. XXXXupport said all rulings were final and the buyer would have to contact the merchant directly. A refund from the merchant address " XXXX, CA '' was already requested on XX/XX/XXXX. The merchant declined a refund as of XX/XX/XXXX. CFPB complaint filed on XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (NC)

XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My previous cash card expired in XX/XX/XXXX, as a result, I requested a new card. That is when my issues began. I can not use my card even though funds are available on it. As a result, I have to go to an ATM, withdraw the cash, or instantly cash out to my bank account ( To which fees are accrued ). I contacted the customer service center and the representative hung up on me after I requested a manager. This is ridiculous!
Consumer complaint received 2022-12-07
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

XXXX XXXX I sent {$200.00} to XXXX via bank deposit. The money transfer company sent confirmation and a receipt stating that the money was deposited into the recipient bank account. The recipient NEVER received the money.
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (MD)

A sibling of mine sent me XXXX $ for my rent from a VERIFIABLE bank. I was able to take out XXXX $ almost immediately and was unable to take out the remaining. After a couple days of not being to access my account, I went in the bank and was notified that my account is under review, but did not have any information back. 
The bank teller requested more information, 4 months later I hear nothing back. I go back to the branch and Im informed that my account has been closed and the money will not be returned to me. 

I still receive mail about my account balance. However have no access to it, even though it has Been closed
Consumer complaint received 2023-10-02
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.
Consumer complaint received 2023-01-18
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: Block, Inc. (TX)

I was using Cash App and buying something off there, I sent the money and I never got the items I purchased. Cash App told me theres nothing they can do but I was scammed so they can totally do something.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

I opened a business checking account with Citi Bank on XXXX XXXX XXXX, XXXX, CA XXXX to receive a promotional bonus of {$700.00} for depositing {$25000.00} and maintaining the balance for agreed timeline. See attached flyer. My wife and I both opened the same type of account and neither one of us received the bonus, a total of {$1400.00}. My wife submitted a complaint with you moments ago. I too called and emailed XXXX XXXX at the branch, but I haven't heard back from her or anyone at the branch. The customer service line could not help me either. I have met all required qualifications and confirmed with the banker XXXX XXXX to keep a balance of minimum {$5000.00} until the bonus is paid. It's been our practice that my wife would contact XXXX for both of our accounts. With that, I left a balance of {$5000.00} to avoid monthly maintenance fee. See attached email that my wife received from XXXX regarding that. The bonus was due by the end of XX/XX/2023. My last contact to Citi was XX/XX/2023. I haven't heard back from anyone. We moved out of state and can not visit the branch as easily as we could before.
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

Date : XX/XX/2023 Complaint against Western union USA I am the plaintiff XXXX XXXX XXXX XXXX, I live in XXXX The facts : I You have applied for a loan from an institution XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After approval was completed, they sent it via Western Union and I paid the required expenses to complete the transfer, but Western Union sent an invalid code and said that I must pay another {$300.00} in order for them to send me the loan amount. 
Attached is the transfer form Please Help I am Tired For waiting long time for my Money. 

XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened up a checking and savings account with Bank of America online and deposited all my funds from my previous bank and my Direct deposit with my company to this account to open. I was mailed a letter stating the account was closed due to they could not verify my identity and I received no notification from them in attempts to try and verify my identity. They are now withholding over {$1000.00} of my hard earned money for investigation. I physically went into the bank opened up an account and it has been longer than XXXX business days and they are still withholding my funds and not providing any details as to why its not being released back to me even after verifying I was indeed the person who opened the account to include my direct deposit matched the account name and personal information provided on the account they closed. I have called and spoke to many representatives and am getting the run around stating they dont know when my funds will be released to me. I dont know what further action I can take with Bank of America to get my funds released back to me.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

The company is reporting incorrect information and will not delete it from the credit report, I have sent serval letters and shown proof that the information is incorrect but they keep coming back saying verified. I have a copy of the laws that the companies are breaking and will submit it.