davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

There are currently 5 XXXX XXXX XXXX XXXX XXXX closed accounts reporting negatively on my Equifax credit report. Around XX/XX/XXXX I was able to get the XXXX XXXX XXXX XXXX XXXX accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of XXXX XXXX XXXX accounts that are closed are still reporting negatively on my Equifax credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with Equifax and XXXX multiple times via telephone and mail to have the closed student loan accounts removed, but Equifax and XXXX refuse to remove the 5 XXXX XXXX XXXX XXXX XXXX accounts that are closed and reporting negatively Equifax is the only credit reporting bureau that is reporting the XXXX XXXX XXXX as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of EdXXXX I have disputed with Equifax using Consumer law and most recently XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (TX)

PayPal prepaid. I purchased the card 3 months ago from XXXX. I called to activate the card. Something happened on the automative recording. It says it's in another name. Well it shouldn't be. But even if it is the card should be limited use. The card is non active and I've gave netspend fraud department my identification and the info they needed more than five times. As well as PayPal prepaid. They give me all types of problems. Everything I call.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XX/XX/23 I received a credit for XXXX showed pending but I thought it to be a part of my balance. Pnc Bank charged me a overdraft fee of XXXX. The XXXX is still pending till XX/XX/23. this was a debit transaction. It seems like a way to charge fees. They will not refund me and are horrid about returning calls from a supervisor in a timely manner. My complaint is they are holding credits to incur a overdraft.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax has a fraud alert on my credit file that I have placed. They will not remove it and keep asking for my dL and ss info and address that I have sent copies 3 times now! 
They send back the same letter requesting the same info. Im done dealing with these XXXX I want the fraud alert removed!
Consumer complaint received 2022-03-16
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now
Consumer complaint received 2022-03-16
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. (IL)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (ID)

Im accordance with the fair credit reporting act XXXX  account Victoria Secret Commentity bank credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-19
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. (NY)

On XX/XX/2021 I was viewing my consumer report # XXXX and viewed a few violations : 15 U.S.Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b As a consumer my rights to privacy, consumer invasion to privacy where violated. In addition no written consent by myself the consumer was given, Please delete 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 Please delete these items pursuant to the above mentioned laws and send me a printed updated consumer report to the address on file
Consumer complaint received 2023-06-15
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. (NC)

I told XXXX. Transunion, AND XXXX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer. 
I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via E-Oscar. The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

To Whom It May Concern, I have been Scammed into transferring {$3500.00} by XXXX to a potential scammer, who posed to be a recruiting agent at a Company located in New York. 

On XX/XX/XXXX, I received an email from XXXX offering me a role of a XXXX XXXXXXXX XXXX at XXXX XXXX. They sent me an offer letter in which they mentioned they were sending me a check for {$4.00}, XXXX to buy equipment from their accredited vendor and instructed me to make a mobile deposit to my bank account, so I did. Next morning XXXX XXXX ( as he introduced himself ), told me the equipment was shipped to my home address and that I had to transfer {$3500.00} via XXXX { " Here is the vendors manager XXXX XXXX : XXXX XXXX XXXX Kindly go ahead and {$3500.00} to the XXXX and get back to me with the receipt. 
So, I will be able to forward the receipt to the vendors manager for confirmation Kindly go ahead and do that and get back to me with the receipt Got it? '' } in advance to make sure the equipment was sent and they asked for the transfer confirmation. When I checked my bank balance that morning the funds were made immediately available to my account from the deposit I made earlier, so I transferred the money without realizing it was fraud. Not, only that, XXXX requested that " Here is the XXXX information : XXXX XXXX XXXX XXXX XXXXXXXX him the balance amount of the check to another person which thankfully failed. 
I was then given an option to wire transfer money to : " Send it to this same account : XXXX bank Account Type : Checking account Account number .. XXXX Routing number .... XXXX Account Name... XXXX XXXX XXXX : XXXX old XXXX XXXX, XXXX GA XXXX " After which I asked him to join in on a virtual conversation, which they denied immediately. That's when I understood I was scammed. The check turned out to be fraud and my account was charged back. 

PLEASE NOTE THAT I HAVE MADE SEVERAL ATTEMPTS ON EXPLAINING THIS MATTER TO SEVERAL BOFA AGENTS, I REPEATEDLY XXXX I HAD COMPLAINED THE POLICE AND FBI, HOWEVER THEY NEVER ASKED FOR THE COMPLAINT NUMBERS. SO I HAVE ATTACHED THE COMPLAINT DETAILS AS CAN BE FOUND BELOW. 

ALSO ATTACHING THE XXXX CHAT CONVERSATIONS I HAD WITH THE SCAMMER - ALL TRANSFER CONFIRMATION SENT TO HIM. 

* THE ATTACHED LINK IS THE XXXX XXXX LINK WITH THE IMAGES COMMUNICATED AND HANGOUT CHAT HISTORY IN XXXX FORMAT https : XXXX? XXXX I have been going back and forth with Bank Of America, they just said they can't help recover the money I lost. I am extremely disappointed. 
Attached are the letters sent by Bank Of America as well.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Over {$10000.00} has been taking thru my citizens account XX/XX/XXXX, sent over to a guy named XXXX XXXX on a third party XXXX XXXX I contacted both parties about the issue. I contacted my bank they said they would do a claim to get the funds back to my account & to wait 7-10 business days. I waited the days I call back because I seen no money was returned they told me I had to contact XXXX XXXX  which I did, I explained this issue they said that it was my bank who has to issue the return because they cant do nothing about it since money was received to ( XXXX XXXX ). So, I go back to my citizens bank to get this resolved & they keep telling me there gon na have me on a call back number thru there fraud mind you I have not received a single call back. I have the calls from me contacting citizens 10 times for a single call back to get my money back its been over a month & half. If my bills & monthly payments didnt come out I wouldve switched to another bank. I have a family to support and the way Im getting treated thru these companies is absolutely ridiculous.
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

Ive had this issue with my mortgage company, Mr. Cooper, for several months. While several attempts were made to correct it, with me pointing out what they did wrong at the start and eventually getting the dollar figure much closer, there now seems to be a problem that causes monthly, incorrect tabulations. I believe they have a system error that isnt allowing backdated corrections. We came close to correcting the problem, see attachment date XX/XX/21, but as months went by the difference between what I say it should be and Mr Coopers calculation started to grow again. 
The issue started in XXXX when I tried to 1. add an additional amount of {$7000.00}, 2. reverse an escrow check of {$860.00}, and 3. increase my additional monthly payment from {$1500.00} to {$1500.00}. I have attached my personal spreadsheet I use to track Mortgage Co statements. The Balance column is my calculations. The Mr Cooper column is what appears on my statements. Note difference was good until XXXX. First attempts shows a difference in XXXX and second in XXXX. 
I have made several attempts to communicate with personal by phone and emails at Mr. Cooper. Many phone calls were made and eventually conversations and emails with two different supervisors. Some of these are attached as well.
Consumer complaint received 2023-08-01
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX. Please delete this account ASAP. Also, these inquiries are also fraudulent, please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (NV)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX  XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXXBalance : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account XXXX XXXXXXXX, 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 2021-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (NC)

I was severely affected by Covid19 and asked for assistance during the months of XXXX via phone and email. I was barely able to make the minimum payment and did my best to prevent if from being charged off. I even made payments with my grocery money, and they still would not offer a deferral, or any other forgiveness option. They repeatedly ignored my situation or said it was not an option for any of my 13 charged off loans. A majority of the conversations were recorded over the phone, but I sent a few emails in regards to this.