davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
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. (KY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

I had bought 8 cards at XXXX, out of 8, US Bank decided to activate only 3/8 cards XXXX dollars each : XXXX XXXX XXXX dollars each : XXXX XXXX XXXX For some reason they were not activated even though US Bank sends back a successful activation signal back to the store. This is mainly meant to fool the customers into thinking the money is on the cards.

After I tried to use them i realized they werent activated. I called in, after 10 minutes of hold on an understaffed customer care center. The customer care staff told me they would only activate 2 cards and I need to call in and hold again, this means for activating money that i have already given us bank they want me to spend 30 minutes on hold as an arbitrary limit on their customer care. The supervisors in this call center also couldnt help.

CFPB should take note that this is a systemic issue and not a one off.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NY)

I have contacted this collection agency after learning about a collection amount on my credit report in XX/XX/XXXX. I spoke to an agent at was told this collection was due to services rendered on XX/XX/XXXX. Upon learning this I immediately contacted my insurance company and they provided me with an explanation of services paid to the provider that clearly states all was paid in FULL. with the exception of my co pay of {$70.00} to which was paid and the original prover confirms this.. I forwarded that proof to the collection agency and they refuse to remove from my credit and also to submit a satisfaction letter to show their error. I believe this is a scam from someone who got our information and they refuse to provide me with proof of said debt.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

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 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 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 2023-01-05
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. (IL)

XXXX I informed them that it was fraudulent information that they saying that belongs to me. If any reinvestigation under paragraph 1of any information disputed by a consumer, an agency shall promptly DELETE that item information from the file of the consumer.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

( XXXX ). My Checking Account, is with " Capital One Bank ''. They have misused my Account. Have paid/Refunded Disputed money, my credit Balance to Business Owners . 
I signed up to " XXXX XXXX XXXX '' in XXXX. I downloaded XXXX. But unable to Activate my Account. I informed, and complained to XXXX XXXX since XX/XX/2022, and requested to help. Did not receive any help and requested to cancel my membership and Return my money and not to withdraw money further. 
XXXX XXXX, didn't Stop and continued to withdraw until XX/XX/2022. They have withdrawn money two times in XXXX. Then I Disputed the payments. The Capital One Bank has Returned/Refunded Disputed money to XXXX system, on XX/XX/2022. 

( 2 ). My second complaint, is Equal to the first complaint. I purchased, Two XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XX/XX/2022, at XXXX and returned them on XX/XX/2022, at XXXX. They have charged me {$150.00}, as Storage fees. I complained to XXXX  They have advised to refund storage fees. But, the Store management, didn't refund. Then I Disputed my payment. The Bank has refunded/returned {$150.00}, in XX/XX/2022. 
Capital One Bank informed me, that they have investigated and refunded money, which I disputed. I replied, that it was my transactions and The merchants has made Consumer Rights Violations.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I am currently a customer of Citibank. On XX/XX/XXXX I noticed 2 of my checking accounts were overdrawn, both my primary and my secondary checking accounts. My primary account was overdrawn - {$81.00} so I deposited in the amount of {$95.00} to bring the account current. A transaction presented was returned so my account was positive. 

Today on XX/XX/2020 I saw the account that was positive is now negative again. When I called Citibank I was inaccurately advied that it i a federal regulation and that the bank can offset any negative balance. 
I asked what regulation and after being placed on hold for almost 10 minutes, the agent XXXX returned to the line and quoted me that Regulation Z permits banks to offset depsotiory accounts. 
read reg Z online while on the phone with the agent and he gave me a link and told me that this is the law https : //www.fdic.gov/regulations/laws/rules/4000-6100.html. 
Upon viewing I advised XXXX that this is a depository offset as a result of a failed financial institution. 
I asked if Citi is a failed institution and XXXX resonded no. 

My concern is Citi is trying to mitigate risk and eliminate risk so I understand why they debited my positive account. 
However, they debited my account not accounting for the items pending. So in an effort to resolve 1 account they overdrew another. 
I called and advised them of this and asked why they would take out more money than I had when there are items pending. 

I was advised by supervisor XXXX that pending POS transactions don't count toward the balance. Because pending items can fall off Citibank takes into account the balance without factoring in the pending transactions. 

I felt that was a wrong practice. Pending transactions are authorized and are just waiting to post unless I advised otherwise and should have been factored into the balance when determining what the proper amount to debit was. 

Now in an effort to offset a negative balance, they created an overdraft. If they took the difference 1 account would be overdrawn not 2 again. 

This account received a bi-weekly direct deposit as does all of the accounts I have. 

When I addressed if they could reverse it they advised it could not be reversed. 
I asked if I could be considered for an OD refund and was advised I could not.
Consumer complaint received 2022-10-03
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. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. XXXX or XXXX other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 for the auto loan amount of {$60000.00}. Navy Federal Credit Union sent me an statement of credit denial. The letter states that the reasons for my denial are " delinquent past or present credit obligations with others & income insufficient for amount of credit requested '' as well as information received from XXXX XXXX on my consumer report, which is false, misleading, and a inconvenience.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan has discriminated against a protected class in an effort to deny anyone who has applied for more than 5 credit cards in 24 months Citing debt to income too many accounts any reason they feel they can discriminate against me with. 

Company failed to investigate XXXX and is using XXXX for massive amounts of fraud
Consumer complaint received 2022-12-24
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. (OK)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Remove addresses : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Remove Employers : XXXX UNKNOWN Update Address : XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

I signed up for and was approved for the XXXX XXXXXXXX card. I was asked to sign a XXXX after making sure information was correct. I noticed that the word `` Avenue '' in the address line was abbreviated to " AV '' and made the correction to " AVE. '' I received a follow-up email saying that I would need to sign the form again or else my account would be closed. I received a new form with the correction I made to it. I signed this form immediately upon receiving the new form. 

About a week later, after paying down early roughly {$60.00} in charges to bring my account balance to {$0.00}, I received an email saying that my account was closed after a recent review. It was stated in the email by Discover that they couldn't verify personal info but they didn't specify what info and said if I had any questions that I should send a letter in the mail. Currently my account sits at {$9.00} after a pending transaction went through, but the account is closed.
Consumer complaint received 2023-06-08
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. (NJ)

To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX Also XXXX XXXX XXXX XXXXXXXX account number XXXX I did not authorize anyone employed by these companies to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Usaa is behaving in a very irresponsible almost vile way. They have caused me to get my one of my credit cards closed as well as a result of their untimely handling of credit card payments. They insist on lowering my XXXX XXXX so they can in turn charge me more for their auto insurance even though I have never had accidents. Recently I took out {$2000.00} from my IRA which they posted immediately. I proceeded to get my money in cash before they would try to scramble their transactions. They saw did so for XXXX XXXX ( they ruined my day with my family ) proceeded to reverse said funds claiming XXXX had taken them. Unfortunately I had no way of contacting them. They wanted me to initiate a dispute which would take days. I want nothing to this with this bank please help me close it. I lost {$2800.00} in overdraft fees and theyre desperate to get more from their members. They deserve nothing but misfortune judging from their business scam.
Consumer complaint received 2022-12-24
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-30
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. (ME)

i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (SC)

My account with chime was closed, I sent out proof of income, residence, and my ID. And still have not received my money. They are trying to keep my money and I dont appreciate that, it shouldnt take that long to give someones money back and My attorney already knowings and Im going to file a law suit if my money isnt returned
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (NC)

Miss XXXX from Prince-Parker & Associates repeatedly called me over 10x per day. She also called my parents home, and work. Over a medical  bill that was less than {$300.00} dollars owed. She was sending correspondence to the incorrect address and demanded a current address. When I refused on the phone and asked her to stop calling, and calling relatives she became belligerent on the phone yelling and raising her voice. Again, this is for a bill in total less than {$300.00}. I asked to be transferred to someone else and I was able to pay the bill with someone calm on the line. She bullied me, raised her voice, and employed poor tactics and professionalism.
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (TX)

We tried to buy a duplex in 2019, this mortgage lender promised us they can close the loan in 15 days and they had a loan we were already approved for. They charged us {$970.00} for the appraisal and continued to ask for more documents such as pay stubs, forms to be signed, etc. The loan was denied. The 15 days turned into months when finally we said that's it. We were promised a refund for the appraisal in XX/XX/2019. I checked with the broker on the status of the check in XX/XX/2019 which informed me it had already been mailed. I still have not received the refund and the lender will not return any of my calls or texts. I was speaking to a specific mortgage broker and he promised all of this. His name is XXXX XXXX MLS # XXXX ( XXXX ) XXXX and now works for XXXX XXXX.