davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-13
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)

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item 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 items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-31
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. (MI)

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.XXXX XXXXXXXX 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 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. I have recently become aware of unauthorized accounts on my credit report, and I insist on the aggressive deletion of these accounts without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The presence of these fraudulent accounts is not only damaging my creditworthiness but also causing undue stress and hardship. Therefore, I demand the immediate removal of these items from my credit report. 

I expect the credit bureau to conduct a thorough investigation into this matter and provide me with a prompt response. As the victim of identity theft, I urge you to take aggressive action to rectify this situation at the earliest possible date.
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

i was on the phone with capital one and told them i will have to money available to pay the credit card off in a week to which therefore they still sent me a notice saying i had not paid them and then sent another notice and phone call i had not paid them when it wasn't a week yet to pay them back.
Consumer complaint received 2022-03-24
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: AMERICAN EXPRESS COMPANY (LA)

They sent me an offer for a card I couldnt get because they said I already had a card issued from the same family of cards and couldnt qualify for it until 90 days after the first card was issued. But by then the offer will expire. False misleading fraudulent offer. If they ran a hard inquiry that hurts my credit. The person I talked to would not give me any straight answers
Consumer complaint received 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different balances {$1000.00} {$590.00} Date Opened three different dates/ years apart XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

please see attached proof
Consumer complaint received 2020-03-14
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: FRESNO CREDIT BUREAU (CA)

This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from CBR USA. I have intentionally refrained from using credit as I am a XXXX  veteran.
Consumer complaint received 2022-08-17
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. (NC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

Attempted to submit request for wire transfer from online CITI savings account, and was given an error online saying " unable to submit wire transfer request, please contact costumer service ''. After contacting costumer service on XX/XX/year>, I was hung up on twice by two different service representatives, and after calling for a third time, they said there was a block placed on my account, and they are unable to verify my information after correctly providing my personal information with them multiple times. CITI customer service stated that I either needed to go into a branch to resolve the issue ( nearest branch is 4+ hours away from me ), or I needed to wait for a letter from CITI that would take 7-10 business days until I am able to access the money that is in my account. 
Currently have taxes that are due on XX/XX/XXXX, and CITI will not allow for me to gain access to the funds in my account to be able to pay my taxes, and they are holding my money for 7-10 business days until I receive a verification letter in the male.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am complaining about the Bank of America on XXXX XXXX in XXXX, ct XXXX This bank removed their drive through window service many months ago while NOT providing any handy cap access. I complained about it three times they did not care. 

Now In the midst of this pandemic they still have no drive through service available and I had no choice but to enter the building with people not respecting the 6 foot rule and a snotty lady manager who made a statement that by the time they opened the drive up window this virus would be over with. No tellers were wearing any protective masks and people were lining up in this banks branch. 

They think this is a joke?
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022 I initiated a transfer for {$2200.00} from my XXXX XXXX  account to my Bank of America checking account. I initiated this transfer on Bank of America 's site. The transfer was completed on XX/XX/2022. My checking account was immediately closed on that day. I was on a vacation at the time so I could not thoroughly investigate why this happened, but I made my first call to the closure department on XX/XX/2022. I was told they could close my account for any reason at any time, and they do not have to disclose why. I was able to find out from another checking account representative that the total in my account was {$2200.00} which was accurate because my account was nearly empty when I initiated that transfer. On XX/XX/2022, I received a check in the mail for {$0.00}. I called Bank of America again and got referred to the risk department. I was told I have been paid out all money due to me and that my {$2200.00} is being held as it is under investigation. I was told that I could go to a branch and attempt to have them talk with a banker from XXXX, but once I got to the branch I was told that they would not do any discussions over the phone. Since XXXX is a virtual bank that creates an impossible resolution. When I asked what other options I have I was told that I can just keep calling back in for updates, but that was all the information that I was being told and was also told there was no deadline for when the investigation would be completed.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (VA)

Opened Citibank savings and check accounts. Added funds several times on XX/XX/XXXX transfer funds in a wire transfer to external account and had added XXXX funds from XXXX  XXXX  i received a call from Citibank asked if I had made the wire transfer I told yes. She said my account was being blocked and I could call in two days and it be unblocked. As of today XX/XX/2024 not unblocked still blocked they said they have sent 4 letters with reference number. With two of requested by me to be certified to be able to track the letter. I have yet to see a letter called every day since happened wrote numerous emails to Citibank today got a message fees was taken out of my my account when it been blocked the whole time amount of XXXX I emailed the customer service and I am filing this complaint against Citibank. My hope that you can get better results than I got. Holding total XXXX and taken fee on account that been blocked from one month. Given information to verify and still will not unblock. This account should never been blocked. Then their practice of unblocking needs to updated. Thank you for looking into matter for me XXXX XXXX added I am XXXX unable to go into a local bank branch to make changes and why opened account online
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

There are a group of XXXX  attached and exploiting my identity and credit file using an unwarranted invasion of privacy to grant other individuals whom have agreed to be informants and provocateurs points on their credit and FICO score. These individuals have removed my XXXX XXXX account from my credit report and have reduced my credit by over 97 points even though all of my accounts are current. They are controlling my credit file illegally based on a malicious act and scheme for XXXX whom are involved in informant schemes with various XXXX and XXXX  organizations. I am engaged in federal litigation against Experian and you other two credit bureaus to attempt to end these schemes and they refuse to accept service of the lawsuit in order to extend this scheme for their XXXX and informants and they are controlling my identity through illegal means using an unwarranted invasion of privacy internationally from the XXXX and other agencies acting in collusion to grant lives to their informants. They have taken my credit points to apply too someone else 's score as part of a scheme to allow them access to veterans loans and credit. The docket number to this case is XXXX. These individuals have also surrounded this plaintiff as a part of their scheme to ensure enforce their will against the plaintiff on all levels and a continuous XXXX  scheme from several states mainly Tennessee.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have asked Transunion to abide by the land of the law while reporting information on my credit file. Transunion has failed to maintain accurate information and has refused to follow the laws under the FCRA section 611 I have challenged the reporting and compliance on  an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are not reporting any positive payment history. I have contacted XXXX XXXX and they have ensured me that they have not reported or furnished Tranunion with any documents showing payment history. Your improper procedures are highly damaging to my credit score. Please  immediately delete this account item. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of  Verification. I do not consent to e-oscar or reports from XXXX or any means of automated verification. A human verification of documents is required with a copy of returned findings of documents sent to me.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I got an email from XXXX  saying my usage on this card went from 36.42 % to 54.08 %. I found that hard to believe because I haven't used the card since XX/XX/XXXX on purpose. I was working on paying it off by paying more than the minimum payment every month. I contacted Synchrony on XX/XX/XXXX and I waited on hold for 20 minutes. I finally got an agent who told me my interest was charged base off my initial charge of {$1000.00}, however my XXXX statement says I was charged interest off of {$680.00} at 29.99 %. She told me if I could pay {$310.00} this month, they would waive my interest fee. We are in a pandemic and I can not afford such a high payment. And then the agent hung up on me when I asked for an explanation as to how my interest was calculated. My issue is why wasn't I charged interest based off of the balance I owed which was {$430.00}. My interest rate was 29.99 %. I am not disputing that I owe an interest fee. I am just disputing the amount. {$290.00} is too much to be charged for interest. Based off of the balance that I had of {$430.00} I was charged almost 50 % interest. I was told that I wouldn't be charged interest for the first 12 months.
Consumer complaint received 2020-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (TN)

Our auto, financed through Chase Bank, was in an accident and declared a total loss by the insurance company. The insurance company mailed the payoff check ( delivery was confirmed XX/XX/20 ) to Chase Bank. This was over two weeks ago. Weve attempted to find out why the loan hasnt been paid off yet and were told that the check is in the mail room. We ask for it to be processed and theyve said they will when they find it. 

In the meantime we have been charged late fees and daily interest charges totally $ XXXX since they have held our payoff check. We have asked for these charges to be removed and were told that they will not do that because its your responsibility to pay the loan, regardless of our processing time. 

They have our money ( certified check ) and wont close out the loan and continue to ad charges and fees. After multiple calls, I now believe this is fraudulent and intentional. They seem to know that the average person has no reasonable recourse. Any help would be much appreciated.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I was told by their agent my credit card is closed and a letter dated XX/XX/20 was sent to me to explain the reason. I never did receive the letter I called them again XX/XX/20, The agent told me the letter was not sent, I was told this time, the letter will be emailed to me within 2 business days. I did not receive it yet. 

I believe my card was cancelled due to race discrimination and they do not have a legal reason to cancel my card. 

All I want is a letter of cancellation..
Consumer complaint received 2022-12-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2020-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NJ)

Ally Financial Bank sold an account together with all my personal confidential information to XXXX XXXX XXXX, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that XXXX XXXX  XXXX start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally XXXX XXXX XXXX closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND XXXX   XXXX XXXX ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS ACCOUNT.