davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

I recieved an email from Bluebird by Amex, telling me me that my account had been permanently closed after 7 years of use, for no reason, and that I needed to write them a letter just to ask a question! There are several XXXX dollars in the account from my federal imcome tax and unemployment. I desperately need this money and now it has basically vanished and the customer service rep I spoke to told me they couldnt give me any information and that they can legally keep my remaining money. Its outright theft.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I was called by an agent of Jefferson Capital Systems , LLC, who stated that they were attempting to collect a debt to XXXX in the amount of {$98.00} and change.. 

I checked my XXXX records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX. 

However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees. 

HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Consumer ID : XXXX XXXX XXXX ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a ChexSystems report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

Please verify the following account or remove it immediately. 

EXAMPLE 1 : Account Closed by Bank Source of Information : Insert source from your report Reported For : Insert issue from your report EXAMPLE 2 : Unpaid Check Payee : Insert Merchant Name Amount of Check : Insert Amount of Check Sincerely, Your Name
Consumer complaint received 2023-01-03
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. (RI)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-01-04
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. (PA)

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I had a little over {$330.00} on my checking account for Huntington Bank. I was trying to get a loan of {$5000.00}. During the process, the loaner sent me {$500.00} to to deposit on XXXX to prove that its my account hes sending money to. Before I sent the money to XXXX I had over XXXX right after the loaner sent me the money. Then it went back down to {$330.00}. I had some other transactions pending as well. I was suppose to get {$5000.00} in the morning. Before the money could ever be deposited, my account went down to $ XXXX just off of the XXXX XXXX transactions. They were pending as well but the money of XXXX combined that i made a deposit to which was XXXX, the money was already taken out of my account. So it went from XXXX to XXXX back to XXXX. Then it went from XXXX to XXXX after everything was pended, but at the same time the money was already taken out of my account. Im trying to understand how the money was taken out of my account but the same amount of money was taken out, but was already out in the first place. It was like it was taken out twice. Then the bank immediately closed my account after the balance went down to XXXX. I just wanted to know if there was anyway to fix it where the balance went back to where it was, also including the transactions of certain accounts that were recurred anyway.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (WI)

It has the appearance of massive credit card fraud with Associated Banks VISA card that is NOT administered by Associated Bank but rather by Elan Financial Services under some type of contract or agreements between the parties. Going over all monthly statements issued by Associated Bank and administered by Elan Financial Services, there appears to be a pattern of fraud with credits issued but NOT deducted from the monthly statement balance due. The only credits shown are the monthly payments made throughout XXXX. 
1. On XX/XX/XXXX a dual credit was posted in the amount of {$4.00} and {$31.00} XXXX XXXX XXXX XXXX credit adjustment. It was NOT deducted from my monthly statement due on XX/XX/XXXX XXXX. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. 
3. On XX/XX/XXXX a duplicate entry was made from XXXX XXXX XXXX XXXX XXXX ( $ XXXX ) = {$58.00}. The {$58.00} duplicate amount was added to my monthly statement due on XX/XX/XXXX. 
4. On XX/XX/XXXX a prov credit was posted for a FRAUDULENT transaction XXXX XXXX for {$64.00}. The fact remains it was NOT deducted but instead ADDED to my monthly statement due on XX/XX/XXXX. 
5. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX. for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX & XX/XX/XXXX ILLEGAL interest was added in the amount of {$1.00} and {$1.00} respectively on the {$64.00} fraudulent transaction stated in line item # XXXX above.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Commenity bank /victoria secret is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

This is illegal. Venmo will not release me my funds and is wrongly holding my funds and not releasing my money to me when i have not violated 1 term and condition. I received money from family and friends for the holidays. I owe rent and a car payment i can't wait 180 days for MY money i promise i will never use Venmo again after this poor service with customers. I have been back and forth with support team and specialist and no one will unfreeze my funds so i can transfer them out of my account to my bank. I'm done with the back and forth this needs to be resolved immediately this is very scam like activity from Venmo. I can't wait 180 days i have not done anything wrong i will end up homeless and not able to pay my bills because of venmo. They are holding {$2500.00} from me sent as a gift from my father. Help please. They stopped replying to me all together now.
Consumer complaint received 2022-01-04
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: U.S. BANCORP (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )
Consumer complaint received 2024-03-16
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. (TX)

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-02-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS 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 XXXX XXXX XXXX to remove/block any accounts 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. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX ( Original creditor ) XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Consumer complaint received 2021-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.
Consumer complaint received 2021-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

Hey I was inquiring about an issue that I have with TD Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amigos Préstamos (AZ)

Since a long time ago, this company Amigos Prstamos started calling me regarding 3 persons that I know from the place where I am from. First on them calls they name me by them names and then when I explain that I am not that persons, they start to explain me that they are looking for them and they ask me for let them know about the call. After tons of calls from this company and explain them that I dont have any contact with the persons that they are looking for, I ask them a lot of times to stop calling me and answers are if you want us to stop calling you, let that persons know about the calls and if they call us, we will probably stop calling you or we dont gon na stop till that persons calling us back My cellphone is a construction company phone number, I cant ignore any call that I receive and I have block tons of phone numbers of this company, but they calls from another numbers.
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately!
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CO)

I had to close my account because in OVER two weeks I did not get a replacement card. 

CITIBANK also still refuses to help me with a SCAM from XXXX XXXX related to XXXX and a recurring charge that is illegal. 

The bank is fighting me over a less than {$200.00} charge instead of, pursuant to our contract, supporting me in my dispute with a despicable scam of a company they take that fraudster 's side. Terrible customer service, terrible bank. I request a formal complaitn.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED 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 XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.
Consumer complaint received 2022-01-04
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. (PA)

This is 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : 06 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