davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I attempted to deposit mine and my wife 's federal tax return of {$5100.00} using Citibank 's mobile deposit service into my personal checking account. Our joint account can not accept a check through mobile deposit. I followed the instructions that were on the website. I signed the back of the check and deposited the money. The following day, Citibank rejected the deposit. No reason was given. On XX/XX/XXXX, I went to the Citibank location XXXX XXXX XXXX XXXX XXXX XXXX and deposited the check via ATM. The machine accepted it and the transaction was noted in my transaction list as a positive amount. I had no reason to suspect that there was anything wrong with my deposit. On the morning of XX/XX/XXXX, I checked my bank account on the Citibank app and saw that there was a negative balance of - {$2600.00} ( the paycheck I received from my employer of {$2300.00} is the reason for the difference ). I tried contacting customer service and was not able to resolve the issue over the phone. On the morning of XX/XX/XXXX, I went to the XXXX XXXX branch location and they gave me the reason for the rejection. According to staff at Citibank, because the check was made out to both of our names ( mine and my wife 's ), both of us needed to sign the check and the check needed to be deposited in-person with a teller. When I asked how I was supposed to know that, they said " it's policy ''. The banker confirmed that they don't give reasons for rejection of check deposits, so there was no way for me to know that I needed to follow the steps above. On their website, under the mobile deposit section, it says nothing about requiring both signatures, it just says " sign the back of the check ''. On top of this already frustrating issue, they did not actually include any rejection reason for the mobile deposit either. I asked for paths of resolution, and they said that the only path is to wait for the replacement check to arrive in 7-10 business days, or to request that the IRS reissue the check. I find this unacceptable, as the policies they stated were opaque and place undue financial hardship on my personal finances for what should be clearly stated in its online mobile banking policies. Even a timely rejection notice with a reason would have been acceptable.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser , PLC, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, wrote a letter received XX/XX/XXXX demanding payment on an account ending in XXXX from XXXX XXXX XXXX. 
Their file number is : XXXX. I wrote a letter dated XX/XX/XXXX disputing this alleged debt and requesting full back up and break down of the alleged debt including any and all signatures of the person that owns this account and signed their agreement for the payment of the interest rate. Glasser and Glasser sent a letter with statements from XX/XX/XXXX-XX/XX/XXXX that showed during that period NO PURCHASES were made but they reflected an amount due with no proof of purchases. Their cover letter stated when the account was opened but no signatures were furnished. 
I contacted counsel but can not afford to hire counsel for this matter. Upon advisement, I wrote a letter of Failure by Creditor to provide requested information and proof of debt per the Fair Debt Collection practices/Fair Credit Act. 
I have copies of all these documents. 
Without serving me or contacting me Glasser and Glasser took a judgment against me and filed a Garnishment. The Garnishment was not posted or served but I found it on the ground at my home. I notified the court and have a hearing XX/XX/XXXX to remove/dismiss this Judgement and Garnishment. Per the Fair Credit Act, Glasser and Glasser should not have taken legal action after failing to provide the requested proof of debt. 
They have harmed me in such a horrible fashion. I wish to file a complaint have this company charged and fined with any and all areas of breach of law and Consumer harm. Your assistance is much appreciated.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates (NY)

Lewiss Mcdonell & Associate have made a delinquent charge on my account after I had closed an account with original loan. 

The original loan providers can not provide any information on the debt. Every time I call they said they dont have it because its been so long so why am I being charged if theres no information? When I showed original bank statements to prove l came to a settlement they dont acknowledge it. They were scammed by original lender.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

I am writing to report multiple violations to the California Credit Reporting Act that US Bank has committed. 

I want to mention a couple of them : 1. Inconsistent credit report.

2. Reporting incomplete information.

3. Negligence 4. Unfair business practices Please forward the attached documents to US Bank. 

Thank you, CFPB.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from Capitol One is XXXX XXXX XXXX. Thats not me
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2023-01-24
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Balance XXXX {$520.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of XXXX items I discovered on my Creditreport is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX BANK Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX  TEXAS XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance XXXX XXXX XXXX  SERVICES XXXX  Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX  BANKXXXX XXXX  Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXX : XXXX Reference Number XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX FIRST XXXX BANK Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Consumer complaint received 2023-01-24
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. (NV)

This is the several time 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.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (NV)

This is the several time 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.
Consumer complaint received 2023-12-08
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. (FL)

It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.
Consumer complaint received 2023-01-24
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (VA)

Attachments are part of : XXXX, XXXX, XXXX, XXXX. ALL OF THESE CASES WERE RESPONDED TO BUT NO MONEY EVERY GOT TO ME. CASHAPP LIED TO YOU AND ME IN THEIR REPSONSE. MY BANK CONFIRMED THAT THEY NEVER EVEN ATTEMPTED TO REFUND MY ACCOUNT. I AM DEMANDING A CHECK FROM CASHAPP AS THEY PROMISED ME THE MONEY. DO NOT CLOSE THIS AS A DUPLICATE. 


I was scammed by a person online for several transactions that total {$6200.00} through Cashapp in XXXX and XXXX of XXXX. Cashapp ruled in my favor that these were fraudulent and on XX/XX/XXXX and promised to refund them on XX/XX/XXXX. ( I have attached the communication from cashapp disputes promising the money within XXXX business days credited back to my ( Now Closed, yet the checking account is still open ) debit card ending in XXXX. The money never showed. I reached out to cashapp support via email phone and chat. I have provided files that show these interactions. The only answer I get from Cashapp support is that cashapp shows that they refunded me the money on their end. I never get a different answer or another way to get the money refunded back to me. They only say that they refunded me and hang up on me or stop communicating. Via email, they no longer communicate with me. I asked for them to send a check instead and they do not answer me. I am being ignored. I reached out to my bank ( XXXX ) and they escalated the issue and researched. They found no pending refunds of any kind posted to any of my cards ( Active and Inactive ) or accounts. They said no attempt to refund me was made by Cashapp at all. ( I have provided a letter from XXXX stating such. Cashapp refuses to attempt the refund again or get me my money in another way. I was advised to inform cashapp of what XXXX found and XXXX XXXX  advised me to come to this site to try and get my refund from cashapp. Cashapp denied my complaint with lies. My bank provided proof that they did not receive any refund yet cash app came back from a previous dispute saying they refunded me without proof.
Consumer complaint received 2023-01-24
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. (NY)

this information was reported without my consent, collection agency, XXXX XXXX XXXX, i dispute it with the 3 credit reporting agencies, date assigned, XXXX XXXX
Consumer complaint received 2023-01-24
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: Prince Parker & Associates (GA)

Notice to Intent to Prince Parker & Associates, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from At & t the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal information.
Consumer complaint received 2024-03-20
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. (TX)

I have an issue with getting the credit bureaus to investigate my credit report. I noticed there were numerous inaccuracies listed so I reached out to them and asked them to fix it but they have failed to. I asked them to verify them and they didn't do that. I asked them to send me the information to contact the furnishers and they didn't do that either. I sent them all the information they requested yet they have not corrected my report.
Consumer complaint received 2023-01-24
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. (GA)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

Ive noticed over the past 4 months Innovation Recovery has made slight changes to the account that they are reporting to XXXX to impact a significant drop in my credit score. In XX/XX/2020, they reported the same dept with their name altered to IR without contact information. After I researched this collecting name and debt, it directed me back to this company ; I called and the agent XXXX said it was nothing that could be done and a member of management was not available. XXXX IR was removed from my report but the damage remained the same.