davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I recently pulled my credit Reports, And I discovered that BB & T # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with BB & T. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I am writing in concerns with a fradualent charge totaling to the amount of XXXX XXXX My name is XXXX XXXX and I am a XXXX XXXX from XXXXXXXX XXXX that works at XXXX XXXX # XXXX, who since the benefits, decided to bank with XXXX  who is in relation with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX $ dollars was added from my bank card which was linked to my Cashapp and was used to buy XXXX at XXXX and then transferred out my account. On the same day XX/XX/XXXX XXXX another transfer of XXXX $ was transferred from my account to my cashapp to do the same process. Then on XX/XX/XXXX XXXX XXXX $ was then added to cashapp and bought XXXX  to be transferred out in the same fashion. When I realized what happened I immediately contacted cashapp to dispute firstly through the app which is the most frustrating thing ever. Then I decided to just call, the representative was unable to understand my claim due to a language barrier and told me to wait for an email to be updated on the issue. I was unable to provide any details or screenshots and they denied me the next day. I asked for documentation and they told me they could no longer do anything which I tried reopening the case and to no avail receiving the same automated response of denial. At this point I seen forums saying to reach out to their actual bank in this situation due to cashapp being the worst in disputes. So I called XXXX over the phone to file a fraud dispute claim then I was told I will be updated through email on updates on the claim. On the phone the representative told me, The provisional credit would have been issued on XX/XX/XXXX, and I asked for confirmation multiple times and he said yes. I was very concerned and wanted more help due to the amount taken from me but the XXXX agent rest assured I will be okay. Then days later I had no update, so I then called to see a status and through email I was told my provisional credit would be issued on XX/XX/XXXX and no additional documents were needed. I asked constantly if they needed anything whatsoever they said rest assured nothing else is needed. More time passed I asked on an update and the representative XXXX XXXX he stated, As informed earlier in the previous message, your provisional credit is going to be on XX/XX/XXXX which is XXXX business days. Best in this manner seemed to come off as rude saying again it will be on XX/XX/XXXX then XXXX days before the date I was denied the credit in panic I emailed XXXX and texted the XXXX support chat to get more clarification more evidence to see the problem but still I have yet got a resolution I was banking on this money at this time for bills. After countless attempts I didnt know who else to turn to. Now Im in a state of limbo for basically all my savings for charges I havent authorized.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MN)

i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, Equifax, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.
Consumer complaint received 2020-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (NC)

Hello, I received a threatening letter from Transworld Systems INC stating my loan from XXXX XXXX XXXX XXXX XXXX has gone to collection. They stated that I have to pay them in full. Will not setup monthly payments.The interest rate is to high and the debt is more than the loan original amount and I was making payments. The interest is {$4000.00}. The original loan amt {$10000.00}. The amt due {$15000.00}
Consumer complaint received 2016-10-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Account # : XXXX Loan # : XXXX This was a private loan that I received to attend to a XXXX college ( XXXX ). The school is now closed and I am requesting that Navient discharge this loan under " closed school discharge '' program.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2020-07-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On or about XX/XX/2020 I submitted the following letter along with statement attachments to XXXX XXXX : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to XXXX XXXX. This is a structural attempt to discredit me and my credit history by XXXX XXXX and XXXX XXXX. XXXX XXXX submitted XXXX credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WV)

I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.
Consumer complaint received 2022-10-06
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a credit card from Bank of America on XX/XX/2022, but I did not apply for it. Someone else, pretending to be me, applied for this card on XX/XX/2022. I tried calling Bank of America 's Fraud Department Line, but it kept asking for the last XXXX digits of my social security number, which I was uncomfortable giving since I had never applied for this card. On XX/XX/2022 I received a text message from BofA saying there was unusual activity on my account. I disregarded the message because I don't have a BofA account. I thought it was a scam to collect my information. However, this might be the case.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I initially noticed a new XXXX XXXX credit card on my credit report which used a different address and birthday in XXXX of 2021. I disputed it immediately with Experian but was told to contact XXXX XXXX. 
I initiated a fraud complaint in XXXX of 2021 and was informed by a letter from XXXX XXXX that since the account was being paid then it was not fraudulent. I immediately contacted XXXX XXXX again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second XXXX XXXX card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. XXXX XXXX somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/21 attempted to make a purchase in Discount Tire using my Discount Tire credit card issued by Synchrony bank; learned that the account is closed. Called Synchrony bank and had very poor customer experience : First XXXX told me card was closed due to delinquency and low credit score - I never had any delinquency in my life and my score is XXXX. Since XXXX  did not seem knowledgeable, I asked to speak to a XXXX. I was on hold for 40 minutes " XXXX XXXX '' came to the phone, mumbled something that sounded like having to place me on hold again ; I was placed on hold again, and could not wait more ... at this time I was already on hold for an hour and I have had enough I decided to use other phone and call again, hoping to get someone that can assist ; the representative advised account was closed due to inactivity. He also advised that they are not required to send me the letter about account closure. 

I still can't believe that I spent over an hour and could not have any knowledgeable person to assist. I would not recommend this financial institution to anyone.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (AL)

Cash App said I violated their terms of service Acceptable Use Policy., in which I did not violate to my knowledge, all I did was dispute a fraudulent charge. Then the money was refunded. After that I was banned from using cash app. Every time I try to create new account they automatically close it out. Due to the acceptable use policy violations, Which I did not to the best of my knowledge. 
The charge which was from XXXX XXXX was from a foreign company, I did not know this at the time. I never received my merchandise from this company, so the charge I disputed. Was then refunded by cash app, its like cash app doesnt bother to believe me. They instead believe the company which wasnt a legitimate Company. They had me banned from ever using cash app again which I relied upon for my XXXX benefits and monthly bills and peer to peer payments between my family members, I have never did anything wrong, I even called cash app directly that seemed t like they believed me then I even called to verify my identity with then before I spoke with a supervisor, which my identity and account was verified. They said they would reinstate my acc Ant reimburse the money, for the item I never received. After this I was banned permanently. I would like to be able to use cash app because there isnt many app s like cash app. I mean I relied on this app daily. XXXX XXXX in a XXXX XXXX XXXX XXXX And cant get to regular bank branches, due to health concerns, so this cash app was really helpful and handy for my financial needs. I really need to Ibe able to use this app, because of this. I want cash app to let me open a new cash app account and I need an apology because. I dont know of any terms that were violated, if it was I wasnt aware of the term at the time, I mean this is discrimination. Because XXXX XXXX I even told them cash app all of this and they want provide me anything an answer or reason and they are rude and unkind and unprofessional, I need this account thanks for your understanding and patience.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. 

I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX  XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. 

UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES.
Consumer complaint received 2017-09-08
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. (PA)

Equifax, during XXXX 2017, exposed PII including my Social Security number, to an undisclosed third party through improper security protocols. As a result, my information has been stolen and is available to one or more parties looking to use this information improperly.
My SSN ( as you may know ) is perhaps the most valuable number associated with me as a person, financially at least. As a direct consequence of the mishandling of my information by Equifax, and their decision to delay notifying me of this incident, my identity is at an unacceptable risk of being stolen. 

Coupled with information like my drivers license number, birthday, full name, address, etc. Equifax has put me in a position where I have no choice but to monitor my credit constantly for the rest of my life, and also enact a security freeze, permanently.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (MD)

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 Account # XXXX, Account name : XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am resting a re-investigation of the Portfolio Recovery Services Collection account in the amount of {$570.00} by XXXX XXXX  and XXXX This account does not belong to me and should be removed and deleted- Portfolio has failed to provide a copy of any signature of a contract.The debtor XXXX XXXX   XXXX  is different from XXXX XXXX Portfolio has listed. Portfolio has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} Portfolio Recovery Services has never mailed me a collection according to the Fair Debt Collections act It is my belief that Portfolio Recovery is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,