davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (IN)

On XX/XX/XXXX XXXX, XXXX XXXX ( Via their ACH " Telecheck from Fiserve '' ) issued a {$20.00} " Return Fee '' to my bank account without any transactions taking part by myself and without consent. 

This return fee, according to online searches, is issued by Telecheck when there are insufficient funds in an account they are attempting to withdraw from. There were no transactions made by myself between my checking account associated with XXXX XXXX and XXXX XXXX in the month of XXXX. 

As XXXX XXXX is a sportsbook, they seem to have separate " wallets '' for individual states for tax accounting purposes. This means that when you cross state lines ( XXXX  to XXXX  in this case ) XXXX  issues an automatic account transfer from one states wallet ( XXXX  ) to the other states wallet ( XXXX ) using their ACH Telecheck. I was not asked if I wanted to transfer funds and did not consent to any transfers to or from my checking account. I was not notified the funds would be transferred. I have never attempted to make a deposit, withdraw, or transfer to or from XXXX XXXX with insufficient funds. 

When crossing state lines ( XXXX  to XXXX  ), the balance of the sportsbook account was XXXX. XXXX XXXX, via Telecheck  as ACH, seemingly issued an automatic funds transfer from XXXX  wallet ( managed by XXXX ) to XXXX  Wallet ( managed by XXXX ). XXXX initiated an automatic transfer of XXXX and Telecheck issued a {$20.00} " return fee '' to my checking account associated with the XXXX account. 

The statement by XXXX XXXX support when attempting to rectify this is as follows : " Thank you for contacting XXXX Customer Support. I apologize for the inconvenience. 

Return or retry fees are charged by our ACH processor. This would be associated with a previous deposit attempt where the user did not have funds available, so when our ACH processor tried to collect funds and couldn't they go back later to collect funds + charge fee. 

Telecheck ACH Processor Contact info : https : //getassistance.telecheck.com/consumer-contact.html " There were no transactions between my bank account and XXXX XXXX without sufficient funds and/or in the month of XXXX. I next asked XXXX support to confirm my account transactions in the month of XXXX and XXXX XXXX confirmed : " Thank you for contacting XXXX Customer Support. My apologies. I can confirm there is a wallet transfer of {$0.00}. '' Over the period of two phone calls, one currently as this is typed, I was on hold with Telecheck to dispute the charge and receive a transaction history. The first phone call I was on hold for over an hour until I had to hangup. I have cancelled my evenings plans today because I have been on hold for over an hour again and I want this issue explained and rectified.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining credit.
Consumer complaint received 2023-02-01
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. (MS)

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Have had a lot of un happiness with Citi Bank they have been my worse nightmare to deal with I wanted to close my account its been over one month and was told it can take over 2 months to close not sure what is going on the treatment has been horrible not wanting to help me close my account and get my refund back to me and not wanting to give me the promo that was offered.
Consumer complaint received 2019-12-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (IL)

I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to Shellpoint on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all 3 major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to Shellpoint on XX/XX/2019. The agreement stated to have the document signed and received by Shellpoint before XX/XX/2019, and according to the Shellpoint Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from Shellpoint regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the Shellpoint Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-05-24
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. (TX)

Recently pulled my credit file from all 3 credit bureaus and was overly shocked. I discovered credit inquiries on all 3 not authorized by me. What a travesty! Guessing, like our government, you can do what ever pleases you without any permission.
Consumer complaint received 2019-12-12
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. (MI)

CAN ANYONE HOLD EQUIFAX ACCOUNTABLE??? 

I HAVE SEVERAL COMPLAINTS ON THIS WEBSITE AS WELL AS EQUIFAX REGARDING THE WRONG NAME ON MY CREDIT REPORT. EQUIFAX CONTINUES TO PLACE A SUFFIX OF " XXXX '' ON MY CREDIT REPORT. 

I HAVE EVEN HIRED AN ATTORNEY TO SEND THEM A LETTER REGARDING THIS MATTER. AND IT SEEMS TO FALL ON DEAF EARS! THERE ARE SEVERAL CASES STILL OPEN ON THE CFPB WEBSITE STILL OPEN FROM XX/XX/XXXX & XX/XX/XXXX THAT HAVE NOT BEEN ADDRESSED. 

ALSO, MY WIFE AND I WERE VICTIMS OF IDENTITY THEFT IN XX/XX/2019 AND MADE A POLICE REPORT ( ATTACHED ) I HAVE SEVERAL INQUIRIES THAT ARE ON MY CREDIT REPORT ( ATTACHED ) THAT ARE NOT MINE! EQUIFAX SENDS ME A XXXX LETTER THAT I NEED TO CONTACT THOSE BUSINESS 'S ... EQUIFAX PUT THOSE INQUIRES THERE I DIDNT! 

I HAVE SENT SEVERAL LETTER TO MY CONGRESSMEN AND SENATORS TO ASKING FOR NEW LEGISLATION TO CONTROL THESE CREDIT REPORTING AGENCIES AS THEY ARE CORRUPT, INCOMPETENT AND HURT AMERICAN PEOPLE.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CT)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CT, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA, XXXX Re : Equifax Data Breach : SSN XXXX DOB XX/XX/XXXX I am writing because I was impacted in the last Equifax data breach. After a review of my credit report, the following unauthorized and unrecognized hard inquiries were discovered on my report. 
They were not authorized by me. Attached is a copy of my FTC complaint # XXXX filed for this issue. 
Pursuant to 15 USA 1681n, I am entitled to up to {$1000.00} per violation. 
Please delete these inquiries from my Equifax report so as not to take legal action against your agency. 

DATE COMPANY XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX,
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MO)

I have a Barclays AAdvantage Mastercard. Their Mastercard ID Check system rejects online purchases I try to make with the card. I have spoken to more than a dozen employees at customer service and security, and nobody can fix the problem. I have a different Barlcay 's Mastercard that I've had to use, so I know that it is not a problem with the multiple vendors I've made purchases from. There is nobody at Barclay 's who seems to have the ability to solve the problem.
Consumer complaint received 2019-12-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (IL)

I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to XXXX on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all XXXX major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to XXXX on XX/XX/2019. The agreement stated to have the document signed and received by XXXX before XX/XX/2019, and according to the XXXX Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from XXXX regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the XXXX Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-03-01
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. (FL)

15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX 15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX present XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XX/XX/XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

Per Experian Email for my free credit report : Experian Membership ID # XXXX Member Sign In XXXX, review your credit report & FICO Score Your credit report and score are now ready. Its important to regularly review this info to check for any early signs of identity theft. Plus, itll help you stay aware of where you stand today. 
Review now >> And pressing the review now : usa.experian.com - Access Denied Error code 16 This request was blocked by the security rules XX/XX/2019 XXXX UTC Your IPXXXX |Proxy IPXXXX ( ID XXXX ) Incident ID : XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Experian security denies me my free credit report - I have asked for it twice and submitted complaints that it was never mailed. 
Attempting to suggest i could have internet access to get my report is Fraud and law enforcement should be called. 
Experian discriminated against my XXXX IP number - there is no way for internat access. 
In fact, I can NOT even change my password. Leaving another security violation. 
Experian owes my a free credit report- my Mail only - since they have excluded me from their internet access. 
I have requested this since XX/XX/XXXX - where is it? Experian continues to break federal law and should be punished.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

Further to my complaint early in 2019 ( complaint number XXXX ), Synchrony Bank has reopened my Amazon card without my knowledge or consent this month. I received an email this morning asking me to link the card to my Amazon account. 

When I logged into the site to make sure my account was closed, the account has now been reopened. 

There is a XXXX balance on the card, so I am not owed any money by Synchrony. However, I wish to report fraudulent opening of an account which I had requested be closed and which they had closed in XX/XX/2019 after their having to respond to my complaint to the CFPB. 

I'd like to report this as fraud. They had neither my knowledge or consent to reopen that account. I'd never have known it was reopened if they hadn't reached out to me to ask me if I wanted to link it to my Amazon account.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XXXX  XXXX advertised the credit card as follows : " The XXXX  XXXX XXXX XXXX card NEW - XXXX bonus mile offer Get XXXX bonus miles plus XXXX  's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make purchases of {$2000.00} or more within the first 90 days of opening your account. '' I applied for the credit card and was charged more that 2000 dollars in the first 30 days but was told by " XXXX '' XXXX from Bank of America that my total charges did not equal the sum total of XXXX dollars because BofA 's policy is to subtract the service fee of XXXX dollars. Since the fee is unavoidable, advertising should explicitly say a minimum charge of XXXX dollars is required. This is the foreseeable outcome of their practices and the above listed advertisement is misleading and has the potential to defraud consumers by denying benefits that a reasonable applicant would conclude they were entitled to.
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 my app shows a direct deposit fund transfer of {$3000.00} dollars that i never filed. The money was sent to Bank of America all i found out was an account ending in XXXX. Bank of America sent me letter saying resolved. The letter was just my monthly satement nothing telling me about were my money is