davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened a Citibank checking account online XX/XX/XXXX. When I visited the branch in late XX/XX/2020, I was told my account was frozen for the first time. I was given the 800 customer service number and told to call Monday-Friday. I called that following Monday and was despite answering all verification questions correctly, I was told my account would be immediately closed and my funds would be sent to the address on file within 10 days. I waited but never received the check. I have visited the XXXX XXXX and the XXXX  XXXX XXXX branch and spoke to the manager there XXXX XXXX to no avail. I've made multiple calls to the 800 number and have provided scanned images of my passport and my most recent paystubs, as requested. It is now the XXXX of XXXX and I have yet to receive the funds. I have been patient and complied with every request but the bank has kept my funds and has provided the most unprofessional service I have encountered in long time. The balance on the account is urgently needed for medical reasons and it is being held without reason. Please assist me.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I attempted to order a refrigerator through XXXX XXXX  in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of XXXX acct XXXX XXXX/XXXX # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.
Consumer complaint received 2023-01-28
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. (ID)

Requested on XX/XX/2023 that Equifax remove a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Equifax failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt had been verified and will remain on my credit report.
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (FL)

Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Checked my account today I noticed some accounts that Im not aware of some inquiries too I never gave anyone my consent to do this and I dont understand how this could happen. 

Dept of Ed all accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Transunion multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On Cash app I did a instant deposit to my debit card of {$80.00} after Cashapp fee it was a total of {$78.00} on XXXX XXXX The funds appeared on in my bank account ( XXXXXXXX XXXX  ) on XXXX XXXX but my account was in process of being closed and when I did the instant deposit from Cashapp to my bank I did not know that. 
On XX/XX/2024 my bank ( XXXXXXXX XXXX  ) did a reversal on the transaction and sent the {$78.00} back to the sender ( which is Cashapp ). 
On XX/XX/2024 I was informed by XXXXXXXX XXXX  that they have sent the funds back to sender ( cashapp ) on XXXX XXXX because the account was being closed so they listed it as a incorrect credit to the account. 
I called cashapp support and informed them of this issue on XX/XX/XXXX once I had not received the money back yet. 
Cashapp opened a claim for me on XX/XX/XXXX XXXX and that same day I got a email stating they are closing the claim due to the funds being distributed properly. Even though I sent them a bank statement, screenshots from my XXXX XXXX XXXX of the original charge and a screenshot of the reversal XXXX  did, and also a picture of the letter XXXX XXXX sent me in the mail to show proof they sent the funds back and also provided cashapp with the tracking number XXXX XXXX gave me. 
Since XX/XX/2024 I have called or chatted with cashapp everyday and have had a new case opened each day that gets closed 4 hours later and that tell me the same thing every time as I tell them the same thing each time they close the case.

I have gave them plenty of chance to figure out whats going on and they have not I have provided all the documentation they have asked for from XXXX XXXX  and they keep rejecting my claims.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/XXXX, I declined a payment to XXXX XXXX XXXX. We had sent money to each other before. But as started looking back a month ago, his name and all transactions are changed to XXXX XXXX, even in my bank statements from cashapp. I asked how this was possible. Because that isn't his name. They said they had nothing else to provide. so, it's a fake name showing on my statements now. Which is fraud I'm fairly certain. I asked cashapp to simply verify his i.d . which they didn't.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. Experian has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched Experian Dispute Results # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY EXPERIAN THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand Experian XXXX VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XXXX OR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH EXPERIAN LINK.
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. (MA)

Equifax mishandled my personal and private information by not properly adhering to information security practices, and that negligence led to a breach of data that puts myself and millions of others at potential risk of identity theft and fraud I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the internet. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have opt-in to and pay for. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is unnecessary when it is clearly known that I was impacted. 

Lastly, Equifax should be stripped of its position and tenure of being a reputable credit reporting company, and a replacement company should complete the trio with XXXX and XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 S.S. # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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 ) XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I HAVE ATTEMPTED TWICE TO DISPUTE THE INACCURATE ACCOUNTS ON MY CREDIT REPORT, ASKING FOR VIABLE EVIDENCE BEARING MY SIGNATURE. THEY HAVE NOT GIVEN ME PROOF BUT WANTS TO DISCONTINUE INVESTIGATION.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

On XX/XX/year>, I initiated a transfer of funds from my Cash App account into my XXXX XXXX  account. The amount was XXXX XXXX Dollars ( {$10000.00} ). 

As of today, XX/XX/year>, when I look at my bank statements, the money was debited from my CashApp account and has never been credited into my XXXX XXXX XXXX  account. 
I have reached out to both CashAPP and XXXX XXXX  regarding the whereabouts of the money. CashApp claimed that the money was sent. XXXX XXXX  claimed that they never received the money. 

I have tried to have them call each other to sort things out but they both claimed that it is not possible. I have contacted the XXXX XXXX XXXX and they have not been able to solve the problem.
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. (MD)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
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. (IA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Because I am not a customer of Equifax, but forced to utilize their system to survive, I feel that Equifax should be held to a much higher standard than typical consumer services. Since a large portion of the population must use their systems, they have a responsibility above and beyond that of a service for which I voluntarily subscribe.
Consumer complaint received 2019-03-02
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. (GA)

I contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I open a American Express XXXX credit card referred by my friend, and I was informed that I have XXXX bonus points ( roughly {$750.00} ) after spending {$3000.00} within three months. 
I finish this welcome bonus task but never receive XXXX bonus points. I request an investigation for this issue inside American Express on XX/XX/2019. 
I was never informed any feedback until I called them again. They told me the investigation was already finished and they found " misuse incentive history ''. 
That means I had similar credit cards before or I closed cards right after receiving welcome bonus, which neither of them is true. 
So I asked for more details to prove this conclusion, but the representative said there is no detail or prove. 
So I believe american express has false advertising for a very long time or they secretly and intentionally stealing money from clients.
Consumer complaint received 2024-02-17
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report # XXXX, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 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 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 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 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 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 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 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ;
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. (WA)

I have been flagged as impacted by the Equifax security breach. This constitutes incorrect use of my credit information because my personal information was divulged without my consent, due to the company 's inadequate website security.
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. (MI)

As part of the 2017 Equifax cyber security incident, I was one of the millions potentially affected by the data breach. The behavior of Equifax executives has been unacceptable following this incident, and brings to question their accountability and affability in this situation.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.