davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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. (TX)

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXX XXXX  XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXX XXXX XXXX, INVESTIGATIVE XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, INVESTIGATIVE .RECOVERY. INQUIRIES - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2021-12-29
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. (TX)

On XX/XX/XXXX I got an alert saying that I missed a payment on my XXXX XXXX so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of XXXX miscommunication.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$10000.00}
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX. I was scammed and submitted a fake check to one of my savings accounts. There was multiple transactions there to transfer money through XXXX to the scammer, all of them were rejected and was not sent. I suspected that it was fraud after multiple attempts to send money to the scammer. I called the USAA Fraud Department to report this right away and to put a note on my account so they can protect me. On the week of XX/XX/XXXX, I keep seeing on the USAA app that my funds are unavailable. I thought it was a glitch so I let it be. I received a call from USAA on XX/XX/XXXX which is XXXX XXXX at XXXX, I asked them to call me back because I am hosting a XXXX party with my friends and family plus it's already too late. The person told me that she understands, and would call me back. Today is XX/XX/XXXX, and I never received a call back. I contacted USAA to know more as to why my funds are unavailable and ask them to fix it. That's when I learned that they have closed or made all of my funds unavailable without prior notice including my savings accounts that I share with my husband. They made it unavailable before informing me, before I can give any opinion on my part. I have done my part to report the fraud activity because I was the victim, but they are treating me like I was the bad person. They have closed my accounts and did not give me a chance to transfer my funds so I can pay my bills on the first week of XXXX. They made my own money unavailable. How am I supposed to buy groceries, pay my bills, and feed my kid without access to my accounts? They told me that they will not send my check or my money until after 60 days. Where am I supposed to get money to pay my bills and buy food? They have violated my right to be informed, to be heard, and to redress this situation. I was a victim, and I have been a loyal customer to USAA since XXXX as a XXXX XXXX XXXX and this is what they paid me back. This is not right. They failed to inform me before making my funds unavailable. They failed to give me a warning or a notice. They failed to hear my opinions regarding what happened. They failed to protect me as a consumer to redress this fraud activity. Please help me correct this. They are also closing my credit card accounts and this will hurt my credit history. I have never missed any payments and have an excellent credit score, but because of this, this would hurt my credibility. USAA is also the account I used to receive my GI Bill and XXXX benefits from the VA. They did not give me a chance to change anything or even update my direct deposit before doing this to me. I have no money to pay my bills and buy food for my kid.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX ago the paypal sent the attached email and limited my PayPal account. I'm XXXX XXXX XXXX and I have my passport, learner permit and foreign driver license to prove that. Yesterday I called PayPal 's customer service, on the call he said the limit will be left, but until today I did not see anything change.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madam, I do not have any identity issues with XXXX. Bank of America closed my account with no reason or explanation that anyone bothered to tell me anyway. I called and they reopened my account. Three days later, XXXX made a 21 week deposit into my account. When my funds, totaling around {$20000.00}, hit my account, they closed it again. I called and the Bofa representative answered, she asked me my phone number and my card number. Then she told me I failed verification and referred me to a branch with 2 forms of ID. She did not ask me my name, date of birth, social security number, or any other questions to even try to verify me. I asked to speak with a supervisor. The supervisor told me I had failed verification and to go to the bank. I told her to listen to the call, the representative didnt even ask me my name! She told me to go to the bank. 

Bank of America forced me to go to the bank with 2 forms of ID. I went to 2 different branches, both times I was told that I didnt have an account number with Bank of America and they could not verify me because I am a prepaid customer. They said to call the number on the back of the card. When I did, I was told to go to the bank again. I explained that I already went twice. They told me to go back again. No one will listen to me long enough for me to explain exactly what happened. 
Going to the bank wont fix my problem, I tried two times. Calling Bofa will not get my account reopened. XXXX says they have sent the form to Bofa several times to have them reopen my account. Bofa denies receiving any correspondence from XXXX. 

I know that the bank is trying to hold all the pandemic money they possibly can, but this is ridiculous, to a point I would say it is criminal. People are struggling right now they are keeping peoples hard earned money from them at any cost. It is so obvious what they are doing. Please put a stop to the disgusting greed that is going on. I cant believe they have been able to get away with it this long. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

Ive sent out dispute letters, and debt validation letters, The debt holder is not able validate the correct debt amount and neither can the original debt holders, please remove this item from credit, also this debt is past the statue of limitations and should no longer be in collections
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX, I ordered XXXXXXXX XXXX without realizing that my Debt card account associated with the XXXXXXXX XXXX had only {$2.00} in available balance. Food bill was {$4.00}. Despite my previous requests that I wanted to opt out of the over draft protection, Bank of AMerica Continued to kept me enrolled. I was charged {$35.00} fee. Then on the same moment, when I paid the delivery driver {$3.00} tip, Bank of America charged me another {$35.00} in fees resulting in a total of {$70.00} charge on a purchase of {$7.00}. 

I called the bank today on XX/XX/XXXX and was told by the representative that she could not waive the charge. 

This amount is excessive, predatory and against my previous wish of opting out of the bank overdraft protection. It is reckless to keep me enrolled and then charge me. I fully understand that overdraft fees make up to 40 % of BOA profits These predatory lending practices need to stop. 

According to XXXX report published on XX/XX/XXXX, Bank of America reached a {$75.00} mln settlement over excessive fees however bank has not changed its practices. Banks have faced many lawsuits over the years claiming they sought to illegally maximize overdraft fees. It seems that CFPB enforcement was seen as a punishment without any impact. It is always the consumers who suffers when these big banks too big to fail go after the same consumers who saved them in financial crisis in the first place.
Consumer complaint received 2021-12-29
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: DISCOVER BANK (MI)

I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (IL)

Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?! 

Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business practices.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

On XX/XX/2021, I received the following correspondence from Citi Bank by email : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX XXXX  account, we found that you have violated the terms of your account per the client manual. 
As a result, your XXXX XXXX  account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 

After receiving this and not being allowed access to my credit or checking accounts online and all my cards were restricted. I contacted Citibank on XX/XX/XXXX, and XX/XX/2021 and XX/XX/2021 regarding my funds in my checking account and I was told I would receive my funds in the mail within 30 days ; however, it has been more than 30 days as of XX/XX/2021 and I still do not have my funds. These funds including money from my employer as well as other funds I personally deposited via my other bank account. I am unaware as to why my account was flagged for closure. This is a travesty and has caused me to become behind in my monthly bills. Please help me get my paycheck and funds back from Citi Bank. If I owe them I will include them in my current consolations with XXXXXXXX XXXX. 

On XX/XX/2021 two payroll deposits were deposited into the checking account ending XXXX {$1000.00} was deposited and that same day {$1500.00} was deposited into that same account. I have included a copy of both paychecks and my original direct deposit form showing this... 

Prior to that on XX/XX/2021 I deposit {$500.00} from my business XXXX ( XXXX XXXX Listening account number XXXX account deposited those funds into my Citibank as well. I have included a copy of my XXXX XXXX business account bank statement. These are my last deposits before and after I was told my accounts were closed and would receive my funds within 30 days. The representative I have been speaking with at Citi Bank is XXXX in their call center. She refused to give me a supervisor and/or a address, telephone number or anything to file complaints or inquiry about getting my funds back sooner. 

I made several transactions with my Citibank account including paying bills and transferring money to my business account. I have been denied access to all my Citi Bank financial statement information including my bank statements of which I need to use for income tax and other related business transactions.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-12-29
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. (TX)

Notice, I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third part involved. Notice, it is a fact the FCRA governs all credit reporting, and all information shall be verified before furnished ( case omitted ). Notice, it is a fact EXPERIAN has acted against my consumer privacy and protections by not verifying the account ( XXXX XXXX XXXX ). Notice, I have requested through numerous affidavits for this documentary evidence, every time none is presented back not even a lawful response with their affidavit ( by the way is the only lawful way to respond to a affidavit ). This information per the FCRA that is being mistakenly be reported should of been through a 5 step verification ( case omitted ), which was not done at all EXPERIAN just furnish this information from they furnisher for profit, without verification or documentary evidence first. I have submitted the only evidence showing not my account or alleged debt, EXPERIAN chooses to always deny my affidavits or ignore them with stall tactics. I ask EXPERIAN please have a Senior Executive under penalty of perjury say they received any consent or permission or anything from me to use my consumer information or furnish anything in the first place. This inaccurate reporting is creating financial hardship on me and my family. EXPERIAN is participating in CIVIL XXXX acts. EXPERIAN and XXXX XXXX XXXX are trying EXTORT me for large sums of money. Reporting and sending me deceptive letters through mail to make me think I owe something I do not owe.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ADP Inc. (KY)

My previous employer used ADP payroll processing, which also administered our 401k accounts. A few months after leaving the employer, ADP rolled over my funds to an IRA XXXX XXXX, a third party, without any disclosure or my consent. Furthermore, they charged a {$50.00} fee which was almost 10 % of the account balance. Nowhere in their provided disclosures did they communicate that this would happen. I had to spend more than an hour on the phone just to find out where my money went. 

When I spoke to the representative, the company admitted fault. The representative told me that they were supposed to have contacted me, but don't know where the process broke down on their end. Since they admitted fault, I asked for a refund of the fee, but they refused to provide it. 

Furthermore, XXXX XXXX is charging a fee of {$25.00} for transferring the funds to my preferred broker.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.