davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IA)

I bank with USBank. On XX/XX/XXXX, I fell for a XXXX scam. I received the usual fraud text from usbank and missed calls from the usbank XXXX number. I did answer and they were very professional and identified themselves as usbank and I had no reason to not believe them since they were calling from usbank. They had me verify the last 4 of my ssn and dob- just like usbank and told me they would help reverse the fraud charge. They sent me a code to put into the XXXX app through the usbank app which was actually a phone number, and I inadvertently sent XXXX to a scammer. I immediately filed a dispute and that was denied on XX/XX/XXXX. I called again and reopened the dispute on XX/XX/XXXX, only to have it denied again on XXXX. On XXXX, I opened the XXXX app to look at that transaction. Usbank immediately locked my online account and shut off any access and closed my debit card. XXXX with the efraud dept called me and spoke horribly to meshe kept asking me what I was trying to do in the app and asking why I would send more money to a number that they had flagged as fraud. I finally asked her if she thought I was part of the scam and her answer was I dont know what you do with your life. She told me to drive to my nearest branch ( 45 min away ) and have them call her. She then proceeded to speak horribly about me to the banker that was working. They escalated to the local branch manager. She called me and assured me a return call that day. She didnt return my call until the next Wednesdayall while my account was blocked. Her name is XXXX XXXX in XXXX XXXX, IA. When I finally spoke to her she said the only way for me to gain access to my banking would be for me to close that account and open a new account. But I have several bill pay items that go out each Friday and they say there is no way to stop them from going out. The only option is to close my account and acquire the fees from the many companies that my payments go to. So not only am I out the original {$940.00}, countless hours on the phone, a 45 min drive to a branch, now I will be out the many fees from sending out bill pays on a closed account. Not to mention the way I was treated by usbank from the start of the scam. I was never treated like the victim that I am, but in turn treated as the scammer. Its very frustrating to not be the one doing something wrong, yet being punished for it. Usbank knows the financial institution that the money was sent to. I know the phone number that it was sent to and a first name of the person. The phone number is still currently working. Yet nothing is being done to pursue anything against this person and/or persons. Please help me!!
Consumer complaint received 2020-12-21
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my car was broken into and thieves stole my wallet, keys and phone. The thieves purchased over {$15000.00} of goods on my credit cards at stores I never frequent. Chase approved all of those charges. 

I returned to my car that same day and noticed the theft and reported the card stolen immediately- I also called the police and filed a police report. 

Initially Chase resolved the claims and didn't charge me. About 20 days later they put {$11000.00} back on my account with no explanation. When I called them they informed me that since the " customer received goods or services '' and that " I approved the charges via text. '' I was liable for the purchases. 

I was a victim of fraud and had my phone stolen. I informed them on the call that I couldn't haven't approved the charges since I didn't have my phone at the time, which is documented in the police report. 

Please help me.
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (TX)

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Consumer complaint received 2022-05-13
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. (MO)

XXXX XXXX was hired to remove negative items from my credit report. Trans Union, updates my report with the same items that should have been removed. Also, they are consistently dropping my score, when I use my credit! When I pay them off, my score still barely moves up. I will never be able to improve my credit with this process.
Consumer complaint received 2022-01-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MI)

File a bankruptcy in XXXX and it closed in XXXX and my mortgage has not been reporting since XXXX. I didnt put my house in the bankruptcy and payments have been current since then. How do I get them to report my payments on my credit report?
Consumer complaint received 2023-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

I got a message from Experian saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with XXXX bank I have never had a XXXX bank account I called XXXX bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called Experian and requested a fraud prevention as well as it to be removed from my Experian credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the XXXX XXXX XXXX XXXX of XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$110.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$110.00} Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

On XX/XX/2022, a letter was sent to XXXX and XXXX about Calvary Portfolio Services thats is reporting as a collection account. I have no knowledge of this account and I requested that they send me the original signed agreement with my signature for this account. I have not received anything from them nor has the account been removed from my account. I am aware that it is past XXXX  days and I am able to reach out again to follow up due to the lack of communication from both bureaus about this account. I also am aware that I am protected by laws under the FCRA and the following laws where violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I am also aware that I am able to submit an invoice of {$1000.00} per inaccuracy.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OK)

My account has been locked for 3 weeks because of changes that I did not make I filed a claim as soon as I saw the charges. Most of them from different states, California, Arizona, New Mexico. I live in Oklahoma. They told me my account would be locked for 7-10 business days, 3 weeks ago, I have called and no one will help me. I have emailed and Im being told that I just have to wait even though it has been over the 7-10 business days
Consumer complaint received 2019-04-25
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: Ad Astra Recovery Services Inc (TX)

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, Ad Astra EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, Ad Astra FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Consumer complaint received 2020-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2020 I received a collection amount of {$970.00} on my credit report from commonwealth financial System and this is not my debt it was done fraudulent I havent been to the hospital at that time.So I disputed this numerous of times and they continue to say its my responsibility and I know for a fact I havent been to the hospital at this time
Consumer complaint received 2020-12-19
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: College Foundation, Inc. (NC)

College foundation is reporting they have a student loan in my name. I have tried to dispute this XXXX  XXXX and XXXX. College foundation of NorthCarolina is saying the information they have is correct. When indeed it is not!!!!. My name, identity has been stolen license social security cards etc in the past. Someone has used my information to got to school or some type of education and these accounts are not mine
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (MO)

American Express just sent me a modified set of terms and conditions which included a requirement that ALL arbitration proceedings and settlements must be kept secret. 

This is patently unfair and abusive term, as American Express is using their market power to force consumers into accepting egregious terms such as these. 

This clause allows the company to harm innumerable numbers of customers in complete secrecy and prevents the public and other customers from even knowing about these issues. In order to hold a company accountable, the courts have long made their records public so that everyone is aware when someone is found guilty. 

Additionally, the COMPANY knows ALL of the consumers and ALL of their complaints, so this is additionally a very one-sided term. 

Indeed, historically, XXXX XXXX was able to defraud over 3 million customers -- in no small part due to the use of arbitration. With companies like American Express now forcing secrecy UP FRONT and unconditionally, this unfair and abusive behavior is only more likely to occur as there will no longer be any way for anyone to even KNOW about that type of behavior ( it was only through an investigation by a newspaper that XXXX XXXX 's massive fraud was found -- if that was held to the standards forced by American Express, it could never come to light ).
Consumer complaint received 2022-12-14
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. (NJ)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to the three credit bureaus and asked for method of verification for a Bankruptcy. They informed me that they got their information from the Bankruptcy court. I reached out to the bankruptcy court and they informed me by letter that they are not responsible for verifying or validating information from consumers credit files.
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from XXXX person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

on  XX/XX/XXXX  w hile attempting to use my debit card i was denied, upon further review i went to go look at my account online to see what the problem was. apparently someone withdrew   XXXX   from my account and over drafting it in the process, so i alerted the fraud department as soon as possible and they said i had to wait until the   XX/XX/XXXX  to file a claim in which i did. fast forward 4 weeks and i get a letter saying that they  came to the conclusion that i had withdrew the money. i contacted them again and they refused to reopen the claim citing unless i had some kind of proof like a police report that they wouldnt reopen it.
Consumer complaint received 2022-10-19
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: TD BANK US HOLDING COMPANY (NY)

NORDSTROM/TD BANK USA did a credit inquiry without my permission or notice on XX/XX/2022. 

I was notified by my bank so I called Nordstrom on XX/XX/2022. They insisted that it was not them. 

I contacted XXXX and had a review done and put my credit on fraud alert for a year. 
The XXXX investigation came back updated and they did NOT remove the Nordstrom inquiry. I have no clue who or where this inquiry launched from.