davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX || Account Number : XXXX - Creditor : XXXX/XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is ground for removal they also violated my rights under 15 U.S.C. 1681 Section 602 A. States ; I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-14
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. (GA)

I thoroughly reviewed my credit reports. I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2023-01-21
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. (LA)

Account XXXX, Account name : XXXX XXXX, has violated my rights. 

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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  CA XX/XX/XXXX.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (OH)

I am a senior citizen that was taken advantage of by American Express through a bait and switch from the customer service on the phone. I have a American express blue card for the past year with a 0 % interest rate. I currently have around {$15000.00} on this credit card. The 0 % interest rate ends XX/XX/2023, and on XX/XX/2023 interest rate goes up to 21.9 %. In XXXX I called American Express customer service and explained Im looking to transfer this balance to another 0 % interest rate card and do they have any available. The man told me on the phone that he does see another American Express card with a 0 % annual rate that I could transfer my current American Express card to with a zero dollar transfer fee also. He said I am being recorded and if I accept, he will run my credit to see if I can get the other credit card from American Express so I can transfer my first American Express card to it. He said I am able to transfer {$7500.00} to the new American Express card from my old American Express card. I also have no money to pay for a transfer fee. If it is done from American Express back to another American Express card. And remember this conversation was recorded so I need the FTC to listen to this conversation to verify this!! I told him it was OK to run my credit. He came back and said I got approved for another American Express card so when I receive the card I can then transfer {$7500.00} from the XXXX American Express card to the new American Express card. Yesterday, XX/XX/2023. I received my new American Express card in the mail. Today XX/XX/2023. I called American Express and they said they do not transfer balances from one American express card to another. They said my conversation with the Man did get recorded and the only thing they can do is talk to him about him giving out wrong information to customers. But they can not give me a 0 % interest rate on my current balance, and there is nothing they can do. They will open up an investigation, but nothing will come out of the investigation because they do not do that. Even if American Express customer service gave out the wrong information to me in order for me to get another card from them. My resolution is for American Express to give me a 0 % interest rate on my initial card of {$15000.00} i was looking to transfer since they bait and switched a senior citizen to take advantage of me. They just told me to go to another institution and transfer them out to a new bank. I told them Im not going to do that. It will make my credit score suffer and I should not have to do that since American Express specifically told me what to do. It is not my fault they are giving out wrong information on the phone to senior citizens..
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (CT)

Credit Karma said I was pre approved for credit cards to rebuild my credit. 
When I applied for the " pre approved '' credit card, I was denied and my credit score dropped by about XXXX points, making my credit score low. I was also in the process of purchasing a new vehicle, and with the credit score drop, I was unable to do so. 
I emailed the Credit Karma and they said just because it was pre approved, it didn't mean I was eligible. 
I do not know how to upload the email thread between Credit Karma and myself.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it may concern, Commencing on or around XXXX XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my BofA account through an intermediary named XXXX  to these fraudulent investment companies.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am Capital One credit card customer, and saw webside 360 Money Market promotion using promo code EARN500 to earn a {$500.00} bonus for balances of {$50000.00} or more, or a {$200.00} bonus for balances between {$10000.00} - {$49000.00}. XX/XX/XXXX I online open a A/C # XXXX and received confirm Email shown And dont forgetsince you opened your account with promo code EARN500, you have the opportunity to earn a cash bonus. ( see attached file XXXX ) After 90 days I didnt see bonus pay, XX/XX/XXXX I call Capital One and the representative Mr. XXXX said about XX/XX/XXXX shall process bonus request ; XX/XX/XXXX I still didnt see bonus pay, I call again and talk with the representative XXXX, then manager XXXX ( XXXX ) that they said I had a Money Market A/C in XX/XX/XXXX, and Closed XXXX ( too long, I no record ), so not qualify get bonus. I told them if not qualify {$200.00} bonus, why you accept my application and XX/XX/XXXX transferred {$10000.00} from my bank account ; and or you must prompt notice me can't get bonus qualify reason. I ask them still pay {$200.00} bonus. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-03-14
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)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; Inquiries : 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 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 Equifax Data Breach 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. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # ending XXXX, has violated my rights. 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
Consumer complaint received 2022-10-16
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. (DC)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I received an email on XXXX from XXXX XXXX asking if a new account was mine. Upon looking into it I found out someone opened a Home Depot card on XXXX. Maxing the card out for XXXX. I also found someone attempted to open an additional XXXX card afterwards. I filed a theft report with the FTC and followed the steps provided. Discussing it with Home Depot they have stated since personal information was provided in fully responsible for the account. I talked with them twice and on the second discussion they claimed I received benefits but refuse to tell me what I received or how.
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aargon Agency, Inc. (NJ)

XXXX XXXX XXXX-Acct # XXXX, ( XXXX ) was removed from my report on XX/XX/2018. In the amount of {$2100.00}. Now I have another company AARGON AGENCY, Acct # XXXX, calling me telling me that I owe them the {$2100.00} as of XX/XX/18. It was removed for a reason. I dont know how this agency got my file to now harass me over a debt that was removed from my report 19 days after it was- DELETED & REMOVED ( see above date ) I have proof showing it was removed and then added again under another collection agency. Please remove XXXX XXXX ASAP, they  are the ones calling and harassing me. I settled with XXXX XXXX XXXX ( XXXX ) And disputed that with you guys and you had it removed, so kindly do that to AARGON AGENCY, they can not double dip. Thats FRAUD!!
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Over the last several years as a customer of Wells Fargo, I have paid hundreds in overdraft and other fees. I have tried to get these fees reversed and the response is inconsistent. Also, my account has been charged a monthly fee when I didn't have direct deposit even though I made the required debit transactions and have been a long-standing customer.
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (KY)

I was enrolled in a reward incentive program when the card was open in XX/XX/2021. The cost was a {$XXXX}. That states if you have no scratches or repairs made on your furniture the first year. You will receive your {$XXXX} back. I have not received my money back.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

One of my Citi divident card XXXX has a quarterly 4 % cashback bonus offer for XXXX when I spend on XXXX. I activated this offer, and spent {$5900.00} in XX/XX/2023. But XXXX of the transaction of {$1000.00} on XX/XX/XXXX did not give me that 4 % promised bonus. 
I spent hours contacting Citi and in first week of XXXX and they said they would research why the bonus was not issued. But today I received a letter saying this transaction does not qualify. The letter did not state the reason. And all my other transactions in the same month ( the rest of {$4900.00} spending on XXXX ) all qualified for the bonus. I don't understand why this single transaction did not. I felt Citi is not doing the right thing, just cheat the customer to use their low-reward card and deny based on no reason.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I'm a college student. I was recruited by a professor to participate in a paid research study. My first assignment was to order supplies for research they were conducting. They provided me with a check for the supplies. Something did not feel right and I tried to get out of this research study. I was then threatened by this Professor that I must do what they are saying or that my college record would be affected. Under duress, I sent {$2000.00} to email XXXX on XX/XX/XXXX via XXXX on the Bank of America XXXX. The confirmation number is XXXX 

After I did this, I realized it was not a real Professor and I was not buying supplies. On the XXXX contacted the bank and tried to get the transaction reversed, but it apparently failed. A day later, I did not see any activity on my account regarding this and then phoned Bank of America on the XXXX. The man I spoke with created case number XXXX and claimed it would be easy to retrieve my funds from this fraudster and that it would take less than 10 days to do so. He also claimed I would see a provisional credit posted on my account while this is ongoing. I did not see that appear. On XX/XX/XXXX, I phoned Bank of America again to verify the case number I was provided and the women confirmed it existed, and XXXX told me that it was a 50 % chance of returning my funds and that it would take 45 days. 

This is a transaction made in error under Regulation E and I'd like to retrieve my funds. The bank does not appear to be helpful for me. Please help
Consumer complaint received 2023-11-28
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)

The unverified account indicated below continues 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX