davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dynamic Recovery Solutions, LLC (OK)

I just checked my XXXX credit report and Dynamic Recovery Solutions has accessed my credit file 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any collections with this company, I have not been contacted by them about any debts, thus they are illegally pulling my credit.
Consumer complaint received 2021-10-23
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. (IL)

On XX/XX/23 I paid an deposit of {$460.00} for a hold on an apartment. The apartment did not pass initial insp and i was unable to move in. The rental company had a problem issuing my refund back to my credit card and told me to go through the credit card company and they keep closing my dispute inquiry
Consumer complaint received 2021-10-23
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: Experian Information Solutions Inc. (UT)

XXXX XXXX has completed a hard pull on XXXX XXXX, 2021 without my permission and the inquiry needs to be deleted immediately. I never authorized any inquiry in my name.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. First they denied me I didn't make the 3 purchases on the participant merchants. I replied them that I made the 3 purchases on XXXX which is one of the participant merchants. Then they denied me again that I didn't save the promotion which I did.
Consumer complaint received 2024-02-28
Product: Credit reporting 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 found reported XXXX XXXX services a late of 30 days in my credit report with XXXX, I submitted a certified letter with usps ( with a return address that are posted on my credit report ), I was asking for my signature provided to the company, as this is not my account with XXXX. Got back a email from them that they received my request but will not do nothing about it.
Consumer complaint received 2021-10-23
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. (WI)

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, TRANSUNION and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX, I received an email from bank of america ( BOA ) stating that my " ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I promptly checked my checking account later that morning and noticed three, consecutive, unauthorized ATM withdrawals of {$300.00}, totaling to {$900.00} of unauthorized transactions that occurred on XX/XX/XXXX ( of the present year ). I promptly contacted BOA later that morning to dispute the charges as a fraudulent transaction. On XX/XX/XXXX, BOA gave my account a temporary credit of {$900.00}, along with sending a new debit/ATM card. On XX/XX/XXXX, BOA stated that they were reversing the credit, stating that " The charge was authorized by you or made by someone who has permission to use the card or account. '' The " research '' their team used was " the information you provided with your claim, your account history, the monthly account statements we sent you. '' This investigation was not done wholeheartedly nor in good faith, and I find astounding that a bank would notify someone of a potential compromise then hold them responsible for their own ( BOA ) failings. For reference, this is not the first time that my BOA debit card has been compromised.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened an account through Citibank 's online portal on XX/XX/XXXX. Soon after receiving my debit card and making a few transactions, I switched my direct deposit over to my new citi bank from my previous bank. Without notice on XX/XX/XXXX, Citibank blocked both my checking and savings account. When logging in to my account I could only see a message that read, " information for closed accounts is not available ''. 

Immediately I called CITI bank and was told my account had been referred to their fraud department where I was transferred. I was told by the fraud department that the account had been referred for closure and that there was no further information they could share, and promptly hung up on. I tried this a few times and got the same answer 3 times. I went to my local CITI branch and was told by bankers that there was nothing they could do as the online banking process operates separately from them ( which sounds very sketchy ). 

Without any information or way to access my account to find out where my pay from my job has gone, I'm stuck with bills and expenses in hand and am told by CITI I have to wait up to 60 days to receive any funds that I might be owed. 

Absolutely awful experience that's going to cost me more than I would have paid if I'd just stuck with my old bank. I feel very sorry I tried to switch to what was advertised as a friendly customer-centric bank and am now being told all of the funds I rely on day-to-day are going to be held XXXX for up to 60 days.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the loan accounting and life of the loan escrow accounting for Trade Line XXXX, Chase Mtg, {$74000.00}. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Account # 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
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have had a Chasechecking account in good standing for approximately 15 years. Never had an issue. Chase has cashed many checks from my employer, again without issue. On XX/XX/XXXX I deposited a check from my employer for {$3100.00} through my chase app, as I have always done. My deposit limit is XXXX btw. On XX/XX/XXXX I received a 10 day hold notice for that check. In fifteen years Chase has never held a deposit of mine. There was plenty of money in my account, but i moved XXXX over just in case ( didnt help ). My employer is a XXXX year old, multimillion dollar, architecture firm. Our controller showed me where the check had cleared their account after midnight on XX/XX/XXXX. Chase had, and still has, my money and will not release it to me, why exactly? I have never had an issue with my account. 

I quickly noticed there was no longer the option to chat with customer service, so on XX/XX/XXXX I called and waited on hold for 1 hour on my lunch break. No answer. Then, on my way home I called again, and using my earphones, I waited on hold for THREE HOURS and still no one answered ( i had to hang up because i was so angry by then i was shaking ). This is not the Chase i knew. I emailed for assistance from my app and received an unhelpful, canned reply. I read my deposit agreement and can not see where a hold was applicable in this situation. This is not a huge amount of money for me, so what gives Chase? Im thankful I have other accounts and this isnt an emergency. This new Chase has shown no respect for my business or my time. I can not believe their nonexistent customer service and i question the legality of it.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX  XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-15
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. (FL)

I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act - XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit reporting Act convergent has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXXXXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

I tried to use my CASH App account and they said that my account was closed because I broke the rules of the company. I only had received money transfers and sent a few that's all. So I contacted them and asked what rule did I break. The only thing that they keep saying is that I broke the rules. They won't tell me what rule what rule.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NY)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX 

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, EXPERIAN & XXXX do not have my written permission to report these accounts on my consumer reports.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2022, I applied for an extension of credit through Goldman Sachs and was sent a denial email. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX formerly XXXX using account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-23
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. (PA)

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that TransUnion is in violation of ( 4 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Transunion several times in the past 7 months about the unauthorized inquiries on my account. I have contacted each company listed as an inquiry and was told to contact transunion who in turn tells me to contact the company. I have been running in circles disputing, calling, filing report after report with transunion to know avail. XXXX and XXXX have been outstanding in assisting me, yet transunion insists on keeping innaccurate unverifiable information on my credit report. here is the list of the unauthorized transactions that they make impossible to have removed, this affects my financial well being and I have worked extremely hard to pull my credit up the past 2 years. 
XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via XXXX to the individual, who was soliciting their services, on XX/XX/2021. Nearly two weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My XXXX account was then deactivated, I have reached out to my bank, Navy Federal Credit Union, who transfers me to XXXX Customer Service because they state their was nothing they could do. XXXX also advised me that there was nothing that could be done to reactivate my XXXX account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.