davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-25
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. (MA)

I have tried to contact XXXX  XXXX and Trans Union regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Consumer complaint received 2020-12-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if 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 from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-12-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if 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 from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me to delete these illegal accounts from my reports.
Consumer complaint received 2020-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-06-07
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)

This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.
Consumer complaint received 2020-12-25
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: Experian Information Solutions Inc. (PA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-12-11
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. (IL)

I recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit 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
Consumer complaint received 2020-12-25
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. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TN)

Complaint Description : XXXX $ new account checking and savings bonus under " summer blitz promotion 2020 '' has not yet been received. On XX/XX/2020 ; a new BBVA checking account and savings account package were opened in response to a " summer blitz promotion 2020 '' offer, whereby a XXXX $ bonus would be issued within 90 days after receiving direct deposits worth XXXX into the checking account, and an additional XXXX $ would be received after depositing and maintaining XXXX in the savings account. Both of these requirements have been completed : BBVA has been and is still receiving direct deposits since XX/XX/2020 ( the XXXX requirement was completed on XX/XX/XXXX ) and have received much more than the XXXX required, and the XXXX deposit into the savings was completed on XX/XX/2020, and its now well over 90 days. As such, BBVA is supposed to pay out the XXXX $ bonus to us. We contacted BBVA 2 weeks ago and spoke with customer service, however we just kept getting transferred between representatives with no resolution.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

XX/XX/2020 Citi Bank Office of the President XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Citi Reference Number : XXXX CC. Consumer Financial Protection Bureau - Case # XXXX Dear Citi, I am in receipt of your letter dated XX/XX/2020. 

Clearly you did not review the history of this account. Please see the attached past correspondence of the sequence of the events showing the system issues that resulted in a {$3.00} requested refund in lieu of the appropriate {$3000.00}. 

Therefore, I am requesting that you review the whole history from XX/XX/XXXX till today. This should clarify my case : In summary : XX/XX/XXXX Open the dispute of {$3.00} only because the system did not allow me to include the {$2900.00} due to a Citi technical web site issue ( so I was told by the dispute department staff ) XX/XX/XXXX Citi acknowledged the web technical issues and Citi tried to adjust the dispute to the correct amount of {$2900.00} but entered the wrong amount of {$1900.00}. 

XX/XX/XXXX Citi acknowledged the amount error and corrected the dispute amount to the correct amount of {$2900.00} Since XX/XX/XXXX, Citi has given me the round around every time I inquired : a. Past due date of the of the dispute b. I was already refunded by the merchant c. I did not submit the documents d. Etc. 

I truly believe that no one at your company took the time to review this and give it the time and effort to truly understand the case. 

Added proof that nobody is looking at my case is the fact that I have paid my CITI Credit Card balance some time ago and I have no balance due on my existing credit card. 

XXXX XXXX Enclosed : Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 Email dated XX/XX/2020 XXXX
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC (CA)

I signed up to eToro and invested in Bitcoin and Etherium. After a few weeks, they emailed me saying that they wanted me to send several pictures of my i.d . I responded saying that I did not want to send them any more personal information or i.d., and that I wanted to withdraw all my funds. They responded by saying they would remove my funds from the market and send them back to my bank. They never sent my funds back to my bank. I have tried withdrawing my funds ( {$1800.00} ) myself several times but only get an error message : We were unable to submit your request. Please contact customer service for help. I have emailed customer service but get no response. 
I tried calling customer service but only get a recording. 
They have my money and have locked my account. In the meantime they are making money on my money, and I have lost money because my money is locked up. Please help. 

XXXX XXXX XX/XX/21
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an identity theft, not later than 4 business days after the date of receipt.
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a savings account that requires {$500.00} as a minimum balance to avoid fees. I always keep exactly {$500.00} in there. One day, due to a bank website error, money was taken out of that account to pay a bill instead of my main checking. I immediately replenished the funds but got hit with a service maintenance fee. That brought my balance from {$500.00} to {$490.00}. I called, had BOA refund the fee and I had {$500.00} again. The bank will not stop charging fees. Every month, despite the fact that agents on the phone understand the mistake and what happened, I get a monthly fee the next month, which triggers a monthly fee the next month and the next month. The last fee was assessed on XX/XX/. I have tried calling the bank multiple times and I am shamed and gaslighted into thinking I did something wrong, which I did not. This was entirely BOA 's error and should be rectified for a 20+ year loyal customer.
Consumer complaint received 2020-12-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.
Consumer complaint received 2020-12-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (CA)

The company that I'm complaining about is called world finance on one credit report they are listed as world finance and on another they are listed as XXXX personal credit plan. they list multiple dates and show it multiple times on my credit report all with different dates. this debt is more than seven years old and should be removed from my credit report but they keep changing all the dates. I have disputed this numerous times with XXXX XXXX  and other credit reporting agencies.
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

on XX/XX/2022 my credit card was charged 4 fraudulent charges : 1 XXXX XXXX  for - {$57.00} 2 XXXX XXXX - {$20.00} 3 XXXX XXXX for {$20.00} 4 XXXX charge for {$500.00} I reported it immediately to my Wells Fargo credit card and they investigated and decided that all the charges were fraudulent except the XXXX one. After many attempts of requesting information on their investigation to see how they came up with the conclusion that all the smaller charges were fraud and the large one was not. I have requested documents of their investigation and they refuse to provide it but yet expect me to just pay for it. It is absolutely frustrating, but then again its Wells Fargo and they feel thay can just get away with anything.
Consumer complaint received 2020-12-28
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. (GA)

TRANSUNION continues to report a fraudulent account that was not opened with my authorization. I completed an identity theft report with XXXX County sheriff office. They claim the account has been verified and is unable to fire Ish documentation that this indeed was me.
Consumer complaint received 2020-02-07
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. (IL)

I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.