davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

Opened the Loyalty Checking account on XX/XX/XXXX, deposited $ XXXX, received the {$300.00} welcome bonus. Then after successfully linking an external account, I proceeded to initiate an external transfer for $ XXXX on XX/XX/XXXX. Since then, my account has been locked. Called on XX/XX/XXXX and they said the account is under review for fraud. They requested to email my ID and a bank statement ( for external account ) to prove that the external account was indeed mine. They told me to call back in 10 business days thereafter. 
So adding an external account and transferring money out is considered fraud???!!
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account with BofA, was closed and reported as fraudulent activity. I had {$100.00} stolen from me, as well as fraudulent checks deposited into my account by a company I was using to obtain employment. My checking account was closed due to fraud activities that I was a victim of.
Consumer complaint received 2022-08-08
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports along with the Police Report which I filed in my localpolice department, provided a report circle the fraudulent accounts, & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2015-05-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

PNC Bank - A fraudulent vendor opened up 2 PNC Accounts & requested XXXX XXXX XXXX XXXX XXXX funds into the PNC Accounts. They were opened by a fraud entity and immediately closed once the funds were received. 

The fraudulent entity opened 2 PNC Accounts - of which XXXX XXXX XXXX XXXX believes that there was NOT proper documentation received by PNC Bank to support the validity of these accounts. Usually when an account is opened at a bank, there is adequate documentation of the account holder to insure that it is NOT a fraudulent account. 

We request that the CFPB follow up with PNC Bank and access the documentation PNC Bank has on the account holder of the accounts in question.
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAC Financial Corp (TX)

I have been getting phone calls from this place stating it is a debt for a medical bill that I have, I have asked them to stop calling multiple times, and they continue to keep calling me and continuously calls multiple times a day and they still will not stop calling me. I have told them I'm not working and yet they keep calling and asking me when I will pay and how I can pay and if I have a family member that can help me settle the debt. Uncalled for. 

XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call and says we will try later when I tell them to stop calling me.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I went in to return items to XXXX they refunded me my amount and then I got recharged the same amount but I didn't purchase anything and I've been trying to deal with this since then with the store and the credit card company and they haven't been able to help they keep telling me they will get back to me but never have and every time I call now they place me on hold longer then an hour and then it hangs up. they also told me that they won't charge me late fees or interest till its resolved but I have been charged interest. also it is messing with my credit score
Consumer complaint received 2023-06-04
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. (CA)

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A ( 2 ) States a consumer reporting agency can not furnish an account without me written instructions 15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt After getting a print out of my credit report I started doing research on what laws I have as a consumer and based on the FCRA laws I have been violated. 
I get calls daily from XXXX XXXX and I receive a whole mailbox full of mail. 
I get calls from XXXX XXXX as well, almost daily! When I receive the calls I can barely even understand what they are saying. The mail has been seen by my neighbors and it is embarrassing.
Consumer complaint received 2022-07-15
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: Incomm Holdings Inc. (NC)

Received a gift card for XXXX in XXXX. Immediately realized the gift card had usages back in XXXX while the card was still wrapped in a few California businesses XXXX the card was bought and we live in North Carolina XXXX XXXX 

Submitted a dispute at the beginning of XXXX. Submitted all relevant documentation. Was notified there was a 90 day wait before they could follow up and issue us a credit/new card/whatever. 

It has now been more than 6 months and not only have we not heard back, we have emailed them back several times. I also spent a large part of today and yesterday looking up how to contact them via phone : https : //www.incomm.com/contact-us/ As you can see, there is 0 contact information on the contact us page. If you browse the web enough, you will see a number ( XXXX ) XXXX. I called this number, tried to talk to operator, and could not get anyone. I called it again, and tried to go through the credit card help line and was hung up on every single time I entered in my card information. 

The team is still XXXX, still advertising their products, but has completely removed all support lines from their website and their seems to be no support being given to anyone.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MA)

I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. 

I also have the FBI formally engaged who are pursuing the matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-15
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: EQUIFAX, 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 n 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 us 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-01-23
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. (NC)

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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, THERE IS AN ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT OR KNOWLEDGE. I HAVE REACHED OUT TOT HE COMPANY NUMEROUS TIMES AND ASLED THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE ACCOUNT AND THE CHARGES AND THE PAYMENTS NEVER CAME FROM ME OR AN ACCOUNT WHICH REALLY BELONGED TO ME.
Consumer complaint received 2024-01-23
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. (KS)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to urgently address a persistent issue with Experian regarding inaccuracies in my credit report due to identity theft. I diligently followed all required steps, including filing a report with Identitytheft.gov in disputing to remove the fraud accounts. Experian insists on disputing the validity of my documents, despite the removal by other bureaus. Both XXXX and XXXX have already removed these accounts due to identified errors.
Consumer complaint received 2022-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

A charge of {$120.00} was made to my Jcrew card on XX/XX/XXXX, and an attempt for another {$400.00} was made. I got a text message for the {$400.00} and declined it. 
I have tried to call Comenity Bank, who issued the card, and their offices are closed all the time, despite my calling every day between XXXX XXXX  to XXXX. I have called 6 times. I have tried to secure message them online, and they say to call their fraud number. 
I have talked to the Jcrew sales representative, and the purchase was made in New York even though I live in Texas. I have my drivers license here, and my Jcrew Card here in Texas. So someone in a Jcrew store in New York is a thief, because they are supposed to ask and see either the JCrew card or my drivers license from customers. the card can only be used at Jcrew stores or online.

Furthermore, if my card was used, I should be able to see the purchase in my purchase history on my online account and I can not.

Jcrew can not help me in crediting the {$120.00} and they can not get a hold of anyone at Comenity Bank either. 
so I have this charge which I did not make, and I can not get a hold of anyone who can help. 

Furthermore, the Jcrew card has no card number, so how will I be sure this does not happen again. How can the card be cancelled or reissued if there is no card number?
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a child support obligation that is incorrectly listed on my credit report. I am fully aware of the FCRA provision 15 U.S.C. 1681s1 which relates to the reporting of overdue child support obligations. However, the information listed on my credit report under ACCOUNT NUMBER XXXX is inaccurate/incomplete/should not be reported due it has been fully PAID and settled.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MT)

I've already provided proof to remove these accounts successfully with other credit bureaus, yet they still appear on your report, harming my credit. It's confusing and unacceptable that your bureau continues reporting these accounts, violating my rights under the Fair Credit Reporting Act and affecting my financial stability. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

My decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 

I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 

documents are attached below
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion like XXXX is not reporting information correctly and as such is having an adverse reaction on my credit score. My score dropped XXXX points for no reason at all. I have XXXX % debt. Yet the score just dropped for no reason. They are claiming they have no data for any of my revolving utilization which is also inaccurate. These games that the credit bureaus play is just ridiculous. If you are in debt they love you, when you pay off everything they want to punish you.
Consumer complaint received 2018-03-15
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: REGIONS FINANCIAL CORPORATION (TX)

I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com. 
With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?