davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not authorize these companies to run my credit nor recognize the transaction.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Early in XXXX of XXXX a predatory lender, " finwiser '', gained access to my checking account at Chase Bank. I discovered this discrepancy when I was discharged from the XXXX on XX/XX/XXXX, XXXX I immediately called Chase Bank. They claimed they could not help me. At this point finwiser had already withdrawn nearly {$1000.00}. When I contacted finwiser they claimed I'd agreed to pay them nearly {$16000.00} for a {$4500.00} loan. I explained to them that was illegal and I would never agree to such madness. They said to bad. Despite daily pleas with Chase to stop payment on this, predatory and abusive lender they refused. In XX/XX/2021 Chase gave this lender {$900.00} on an empty balance and added {$100.00} in overdraft fees. I've begun the process of changing financial institutions. Just this week, XXXX XXXX, Chase gave my entire checking balance, {$390.00} XXXX, to " XXXX XXXX ''. They have refused to refund my money even though I can not afford to donate my entire balance to anyone. Please help!
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/2019, I placed a security freeze on my file with XXXX XXXX XXXX. 
On XX/XX/2019, I sent Equifax a certified letter requesting verifiable proof they have on file regarding the bankruptcies. 
On XX/XX/2019, I sent US Bankruptcy court a certified letter seeking information on how they report to credit reporting agencies. 
On XX/XX/2019, I received a letter from US Bankruptcy court stating bankruptcy court does NOT perform any activities with the credit bureaus. 
On XX/XX/2019, I received a copy of Equifax investigation report. Equifax stated the information, I disputed was verified that the public record item is reporting correctly. Equifax obtained information from local, state and federal courts through a third-party vendor, XXXX.
Consumer complaint received 2022-12-01
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Did not authorize these companies to run my credit nor recognize the transaction.
Consumer complaint received 2023-05-31
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: Block, Inc. (TN)

I went on vacation I stayed at a few hotels first hotel was XXXX XXXX XXXX on XX/XX/XXXX XXXX then second was XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX I have the receipt were it was approved and completed and taking off my card. Now months later on XX/XX/XXXX I added XXXX to my cash app, which I did not have a negative balance, I never received a email or notification saying I owed money or there was a mix up, after my wife sent me that money i received a text from cash app saying both the hotels I listed the transaction from the hotels have been updated but the text message is dating in XXXX but they just took it out I called and they said there was a error in there system where they messed up in XXXX XXXX XXXX were money was sent to different accounts in the wrong amount but I didnt know that I was never informed. So basically they took money that on my end and on my account said it was completed and then now months later they said they had to pay the hotels because the money got Mix up and I owed that to cash app but they put it as the hotel yet they never mentioned anything too me before I added money and I was never negative and they XXXX dollars from me without explaining I feel like something isnt right and on the photos below it shows when. They completed so how did I owe that amount again and if they did have a error why wasnt I informed sooner instead of just taking all money I had tell my next period without communication, email or contact on cash app
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I just got a letter from Radius Global Solutions LLC. They are stating that I owe an amount of {$760.00} from a XXXX XXXX XXXX. The truth is I never had credit from XXXX XXXX. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.
Consumer complaint received 2022-12-01
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. (OK)

As of XXXX and per my consumer credit report Transunion continues to report these fraudulent accounts. I checked my consumer credit report and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX accounts are still being reported. I have stated before that is identity theft by federal law. I never have opted in or gave any credit reporting agency my written instructions to assemble or furnish any of my personal information to any company that alleges that I submitted any request to them. That is a violation of yet another federal law, my right to privacy. These companies have my personal information, and I didn't give it to them. They are just passing out my personal info to any company that make a claim that I gave them my signature to get any information. I have never consented to have my information passed out yet alone allow my personal information out for anyone asking any persons other than myself to disclose. This consumer credit reporting agency is committed fraud by assembling a report on my behalf without my written instructions. I demand that Transunion cease and desist reporting these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have not responded with an updated credit report where they have cease reporting these fraudulent accounts. I am aware that every violation is XXXX. I only want them to follow the law and remove these accounts immediately. They've had over 30 days and I still haven ; t received any update.
Consumer complaint received 2022-08-26
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$1400.00}
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I have credit monitoring service and was told of a unpaid debt that was being collected by XXXXredit Collection Service for XXXX ( XXXX ). I spent the entire day being shuffled from dept to department and was able to show that the debt was some kind of fraud. The account was setup in a city for cable service that is 300 miles from me. I have never lived in that city nor have I ever had a XXXX ( XXXX ) account. They agreed but told me it was my job to get it removed. I asked them to send me the proof that I had created this account. I asked to have it emailed or mailed and they said they could not create a PDF of the info they have. I did download a 7 page document about disputing the claim. This action adversely effected my credit score lowering it 14 points.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-01-26
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: TD BANK US HOLDING COMPANY (PA)

In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.
Consumer complaint received 2021-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have made 116 payments that are eligiblefor theTemporary Expanded Public ServiceLoan Forgivenessprogram ( TEPSLF ). There are 52 paymentsthat are pending manual review. On XX/XX/2021, I reached out to my myfedloan and I was told that a review was going to be done but no timeframeswas given. On XX/XX/2021, I spoke to theStudent Aid Ombudsman at Department of Education. I receiveda letterfrom myfedloanindicating thati requested a review XX/XX/2021 to give 60 days to myfedloan to do a review or find a solution. Today, I followedup and I received a genericletter attached indicating that there is no timeframe for my fedloan to conduct a manual review which is unacceptable since i am only 4 payments away and due tobureaucracy my loan forgiveness can be delayed. Please assistme. I attached evidenceof my communicationwith the agency as proof of my diligence.
Consumer complaint received 2022-01-14
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

USAA closed my savings account for not having a signature card on file. I know that they are legally entitled to do this, and while I think their notification process is woefully inadequate, that is not the source of my complaint. 

I was mailed a check with the balance of my savings account with a notice on the document stating " Notice : As per AK law, this check with reasonable identification can be presented for immediate payment at the XXXXXXXX XXXX XXXX XXXX XXXX '' ( see attached document ) When I went to the XXXX XXXX XXXX XXXX XXXX I was told they would not cash the check because they had an agreement with USAA to cash these types of check but that agreement had expired about 6 months prior. 

When I called the customer service line for USAA I was told my only options are to find another bank that will cash the check ( without having an account at that bank ) or deposit the check into my USAA checking account. No explanation was given as to why the law their own document cited was not being followed.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (IN)

Genesis FS Card Services Inc., XXXXXXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called Genesis FS Card Services Inc., XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Consumer complaint received 2022-01-26
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. (TX)

Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

XX/XX/XXXX : XX/XX/XXXX I am on a fix income and get paid once a month. Two times one in XX/XX/XXXX amount of {$53.00} dollars was deducted from my account from a closed account I closed a month earlier, second time {$48.00} was deducted from my account XX/XX/XXXX by a business I did not even know are agreed to.I had only ten dollars are less, but the bank, ( US BANK ), still  deducted the fees and charged me a {$73.00} dollar overdraft, ( THAT I DID NOT ASK FOR ) .They should of called me are not even allowed this without my approving.I called them at the fraud hot line to report I error, they said the second charge, ( {$48.00} ) would be taken off, ( I CALLED US BANK ON XX/XX/XXXX ) and still the charge went through.I have no overdraft agreement so nothing should have been done.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (TX)

I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.