davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (NV)

I just checked on my credit reports again and I can still see the unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (AL)

There are several hard inquiries om my Eqifax, XXXX, and XXXX that I did not authorize. Every hard inquiry not linked to an active open account need to be DELETED immediately. A list of the hard inquiries should be shown in the credit bureau database. My credit matters and is important to me. 
Apply these laws : 15 USC 1681 ( N ), 15 USC 1681 C-2
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (WA)

Hello I opened a XXXX XXXX credit card offered by first national bank of omaha and the credit card was approved and I had online access to the account, however after couple of weeks the bank has blocked by account access without notice and says it says it needs to to verify my account and says that I need to provide notarized documents of my identity, pay slip, address proof and W2 I don't think this is the process a bank should follow in terms of providing access to a credit to a customer and also asking for documents to this extent which is a breach of privacy
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

There were 2 charges to my account that I didn't make. on or about XX/XX/XXXX for {$500.00} and XX/XX/XXXX for {$350.00}. These charges were made by my daughter XXXX XXXX. She applied for her own credit card when making the 1st purchase. Her credit card was approved and sent to her home address in XXXX XXXX NY. I have informed the credit card co. of this, and a copy of XXXX 's credit card has been sent to them in a sincere attempt to correct this company error. 
These charges were disputed and I was making the minimum {$27.00} monthly payments to protect my credit. On XX/XX/XXXX XXXX XXXX Bank sent me a check for {$210.00}, with no explaination of what the check was for. I thought the problem was resolved. Then on XX/XX/XXXX I recieved the XXXX 's XXXX statement that closed on XX/XX/XXXX, with a reversal of the provisional credit of {$350.00}, and a reversal CHARGE of {$21.00}, and also listed the refund of {$210.00}. This bill showed a new balance of {$370.00}. 
Bottom line is I never made these charges. My credit report is not showing this credit card anymore, however I did make the minimum {$27.00} payment and noted disputed on the check. I really needed some time to look into the legalities of what is being done. Do I have to continue making the minimum payments to protect my credit?
Consumer complaint received 2022-07-11
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. (HI)

Equifax is reporting an erroneous collections from XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX. I paid this out of pocket and my insurance paid the balance. I've already explained this to Equifax and they refuse to remove the account from my credit report.
Consumer complaint received 2022-03-30
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. (CA)

Citi XXXX credit card. 

Dispute XXXX I purchased a plane ticket through XXXX to go to the XXXX on XX/XX/2022 the flight was supposed to be for the month of XX/XX/2022. 

Due to the quarantine protocols in the XXXX which requires to stay in a facility for at least 5 days for all international travelers, I have to cancel the flight and the ticket as I have XXXX XXXX medicines that requires refrigeration and was afraid the quarantine facilities do not have refrigerators inside the rooms. 

I called XXXX to cancel the flight immediately but can't contact them, so I called citi XXXX card customer service to cancel the flight on my behalf and was told by customer service they would. 

Then I saw on the citi card mobile app that the charge was reversed the amount of {$3800.00} During this time the quarantine protocol in the XXXX changed and staying in a quarantine facility is no longer needed, so it was safe for me to fly and go straight home to my elderly parents house who I haven't seen in 3 years. 

I booked another flight since my previous flight was already cancelled by citi XXXX and stayed in the XXXX for XXXX weeks. 

I just got back to the XXXX on XX/XX/XXXX, and saw the charge was put back to my account again. 

Also, that I have till XX/XX/XXXX to respond to the dispute, but I lived in a remote area in the XXXX where internet connection were choppy at best so I wasn't able to see the message that was telling me about the charge of {$3800.00}
Consumer complaint received 2018-11-08
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. (NY)

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX ATTN  CREDIT DISPUTES DEPT XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (KY)

I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2018 Transunion deleted my XXXX XXXX credit card from my report by accident. I disputed another card that was not suppose to be on my report and they deleted the one that belongs to me which dropped my score tremendously.
Consumer complaint received 2019-05-27
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX ,
Consumer complaint received 2018-11-08
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. (NY)

Wrong information reported on Experian credit report. I do not have a collection with XXXX in XXXX. I opened the account in XXXX with XXXX not a collection issue. Experian fails to report accurate information and cares nothing about individuals financial social status. Once again, the reporting of a XXXX collection in XXXX is inaccurate and they are only reporting eight years of credit history when my first student loan was in XXXX of XXXX. I have over twenty-three years of established credit. Your credit bureaus are ineffective at reporting accurate credit.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (LA)

My cable was turned off due to hurricane XXXX XXXX. XXXX was paid through auto pay. Due to hurricane the apartment wasn't livable. We were evicted, I returned the cable equipment back to XXXX like I was told. I was told that they owed me a credit because they kept taking the auto payment out. Then when I found a new apartment they came an connected it on XXXX. Then I had the cable turned off due to death in the home, they told me to bring the equipment so I did. I started receiving letters from the collection offices XXXX different collections. I have been talking to suddenlink on different occasions concerning this you never speak to the same ones and they all tell you something different. I have credit that I have yet to receive of XXXX. I spoke to someone from there asking why I was receiveing a collections bill I was told they didn '' t see that in their notes cause the bill was paid in full. But I'm continuing to receive them. I have called them and they say the eqipment wasn't turned in them when I ask them if I have equipment why would they send someone to put in the New cable. Then they tell me they're sorry they did receive the equipment and owe me an equipment charge of XXXX. So how do I keep getting a collections letter.
Consumer complaint received 2019-05-27
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: Nelson and Kennard (WA)

NELSON & KENNARD ( XXXX XXXX XXXX ) unlawfully and deliberately published my copyrighted name amongst court records and have unlawfully defamed my name without my consent. On or about XX/XX/XXXX, I sent out a Conditional acceptance claim for proof of claims. I also stated, each and every averment be answered with law and specificities of law. I was ignored. On or about XX/XX/XXXX, I sent out a default notice for failure to provide any information regarding my Conditional Acceptance contract XXXX. Nelson & Kennard ( XXXX XXXX XXXX ) ignored my lawful requests and decided to go ahead with suit filed by them to XXXX COUNTY COURTHOUSE case XXXX. Since an arbitration was set, all parties were notified, Arbitration occurred on XX/XX/XXXX. The Arbitration award in the amount of XXXX has been awarded to XXXX XXXX at XXXX XXXX XXXX  XXXX. XXXX WA. XXXX. I demand, my property ( credit ) be restored. There will be a XXXX dollar fee for the use of my copyrighted name starting XXXX XXXX. This will be legally binding on all parties.
Consumer complaint received 2022-03-30
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: ENCORE CAPITAL GROUP INC. (GA)

I tried to pay XXXX XXXX and Midland Credit Management Inc. on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XXXX/XXXX/2022.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Due to the COVID Pandemic The XXXX XXXX XXXX allowed me as a cabdriver ( independent contractor/sole proprietor ) to apply for a COVID EIDL Loan. They also offered me a granXXXX. The grant was in two disbursements : {$10000.00} and {$5000.00}. I also received a loan in the amount of {$24000.00}. Upon receipt of these funds Citibank closed my account without any notice. The reason was because the money was deposited into my personal checking account. The XXXX did not specify that I needed a business checking account in order to receive the money. I have called the Consumer Fraud Protection Department numerous times but to no avail. I exhausted all my options, including asking if I could open a business bank account with them and have the money transferred. 

I contacted the XXXX. They advised me that Citibank needed to return the money back to them, after which they would reissue the funds to me in a different bank account. Citibank would need to provide me with proof that they returned the funds. I would then have to submit that information to the XXXX. 

As of today I have no contact with Citibank. I do not know what else to do. It's going on a year. The loan of {$24000.00} is accruing interest but I have no access to the funds. Any help you can give me would be greatly appreciated
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

I Logged Into XXXX XXXX To Check My Credit Score And Found An Account That I Personally Did Not Open Nor Know Anything About ... It Was Opened In XXXX of 2016 and now has gone to collections ... The limit was {$300.00} But The Amount Owed Now Is {$560.00} ... The Account Creditor I Believe Is XXXX XXXX XXXX XXXX XXXX XXXX   ... I Have Never Even Heard Of This Bank Before And I Am Not Aware Of This Account As I Know I Did Not Apply For Any Kind Of Credit In 2016 ... I Have Not Even Been Contacted Or Recieved Anything In The Mail About This Account Or That It Was Sent To Collections Or Anything Similar To These Actions ... Like I Said I Didnt Even Know Anything About This Until I Logged Into XXXX XXXX And Saw It On My Credit Score
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been a long time Bank of America customer. No overdrafts nor bounced checks. I had a {$6000.00} commission check and went to deposit it about XXXX XXXX on XX/XX/XXXX. I needed the money by this Friday and asked the person at bank if it would clear. She said first {$300.00} would be available that day the balance the next day. Once I deposited the check it said there was a hold until XX/XX/16. When I was upset that she told me wrong she said call the XXXX #. If I knew it wouldn't clear I would of went to the bank it was issued from ( XXXX XXXX  - a local bank here in Connecticut ). I found out from my real estate broker the check cleared the same night. She provided me with a copy of the check that cleared as well as seeing the {$6000.00} come from her account. I was told the reason it was held was based she ran out of checks and gave me a starter check that didn't have her broker name on it. That was ( I assume ) marked suspicious. I have called several times and talked to people at different levels. I told them the check cleared and I can provide proof and give them my broker 's phone number. I feel the bank is playing with my money as since it cleared the same day I deposited it there is no possible way it will take that long to get into my bank. My money is out there some where and I want it. If it didn't clear I would understand, but the funds were removed from her account that same night. Everyone is rude at the bank. The day it happened I tried to reach the branch manager at the bank and she would not call me back. This is totally unacceptable. Please tell me what can be done. They need to be held responsible for their rudeness. 
Thank you.
Consumer complaint received 2019-05-27
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. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phoenix Financial Services LLC (TX)

An account representative from Phoenix Financial services ( as ) organization contacted my wife on her cell phone ( without authorization XX/XX/2019 ) and threatened arrest at which point she paid. 

They had called me on my cell in XX/XX/XXXX at which point I requested that they send documentation in writing for me to review with their client and insurance company ( which I never received ).
Consumer complaint received 2023-03-21
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. (IL)

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 XXXX XXXX XXXX Account number : 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 2018-11-08
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-08
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-08
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP