davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

CASE DESCRIPTION : This complaint is made against US Bank XXXX, as one of its subsidiaries, Elan Financial services is ultimately responsible. While well hidden, the policies are created but US Bank XXXX which is the responsible party in this complaint. 

Through a solicitation I received in the mail, I signed up for the Ent XXXX Credit Card ( offered by Elan Financial Servies, a division of US Bank XXXX. Part of the reason for getting this card was the generous 5 % that they offered for certain categories such as home utilities. Based on the solicitation, I decided to get the card. I selected XXXX XXXX for XXXX of the 5 % categories and incurred a convenience fee in order to pay my home utility, Colorado XXXXXXXX XXXX. The transaction posted at 1 % and when I called I was told this was an obvious mistake and that it would be fixed. When it was not fixed, I contacted Ent again and was told that Colorado XXXXXXXX XXXX, despite posting with the merchant code was not considered a utility as they do not have utility as their primary business. I am surprised as Ent is headquartered in Colorado XXXX and I would imagine pay a monthly bill to their utility company, Colorado XXXXXXXX XXXX. When I spoke to a supervisor I was told that this often happens when a business conducts business in more than one category, such as XXXX XXXX I checked the XXXX website and saw that they primarily sold - utilities such as water, gas, and electric. I could not order clothes or groceries from the XXXX website as they did not offer that, like XXXX XXXX I was then told that the terms and conditions said that there are some guaranteed home utility companies, but that the " millions '' of others " may or may not '' count towards the additional reward. Ent 's policy seems to be-we don't know what reward you might receive, but get our card and maybe, you might just possibly could have the utility company that you have providing your home utilities count as home utility. But, and I am adding my own interpretation, we will decide and you'll find out after you paid your bill. If we don't want it to count, then it won't, too bad, so sorry, try something else and even if the merchant code is the correct one, we decide-logic, fairness, and basic common sense doesn't apply as XXXX determines what is a utility.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (FL)

Starting XX/XX/2022 credit control LLC call me at XXXXXXXX XXXX  mountain time for XXXX XXXX XXXX telling me about a debt I owe I explain that I didnt have the money to pay the debt. The next day the company call again XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX I told them that yesterday I spoke to someone and explain I dont have the money to please stop calling me. On XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX another call. Another call on XX/XX/XXXX at XXXXXXXX XXXX  eastern standard time from XXXX XXXX XXXX and again today XX/XX/XXXX at XXXX XXXX  eastern standard from XXXX XXXX XXXX. The law says The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to {$1000.00} in damages, along with court costs and attorney fees.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (IN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2022-09-20
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. (GA)

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

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at XXXX, I went to the chase bank ATM and deposit {$700.00} when I put money in the ATM the system rebooted as shown in the pictures provided. The system did not give me a receipt or give me my cash back. I then called chase to file a claim and they credit my account the next business day. Today XX/XX/XXXX I see my account is negative {$700.00}. I then called chase and spoke to the supervisor all she could tell me was they counted the money and all the money is accounted for that is impossible because if they did look at the cameras they can see I deposit this money in the ATM. I am wanting to fight this because I do not have {$700.00} dollars to just throw away. If needed i can also provided phone logs of me calling chase bank.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I went to the ATM of Chase Bank located at XXXX XXXX XXXX XXXX. I tried to withdraw money from one of my accounts. I went there at XXXXXXXX XXXX so I could pay my utility bill early that morning. I had just received {$2000.00} from my XXXX XXXX XXXX XXXX. When I went to unlock my card it showed that {$1000.00} had been removed. When I put my card into the ATM it showed that it was not working. I waited until the bank opened and went in to speak to a banker. On my phone it showed a withdrawal dated XX/XX/2022 for {$1000.00} had been withdrawn. It showed my signature but I had not taken out any money. The banker checked my card and there was no activity on either XX/XX/2022 or XX/XX/2022. They told me that my ID was my passport so I showed them my passport. They actually asked me to fax it to them four times. I was then informed that they would not honor my claim.My bank statement shows I did not withdraw that money. I'm not really sure how it was done but I think I know who did it and they were not authorized to do it. I don't know how it was done and I had nothing to do with it at all. My statement shows I took nothing out at all. I feel the fraud department overlooked many things that showed I didn't do it. There are so many questions that I have and I have asked the bank to answer them for me and I have not received any answers or evidence pertaining to this. I explained it was not me and I had nothing to do with it. The fraud department then told me the decision was final. I feel they ignored a lot of evidence.Additionally why would they give me {$1000.00} when I didn't even have it. I think they would never give me any money if I did not have it in the bank.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX Remove XXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no XXXX XXXX - do not live here Remove XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX- I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/XXXX - how these others got on here are beyond me as I only authorized XXXX credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!! 

REMOVE THE FOLLOWING : You DO NOT have consents or signature for these inquiries. 
XXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX Dealer dated XX/XX/XXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2022-09-20
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXL XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-25
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)

I have submitted multiple letters to XXXX and XXXX Bureaus requesting the account listed below reported not only fraudulent but in multiple violations ..... 

XXXX XXXX # XXXX 15USC 1681 SECTION 602A states I have the right to Privacy 15USC 1681 SECTION 604A section 2 ... states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I applied for the Citi Simplicity card. I got a denial because of too many credit inquires, three to be exact. I tried to call to speak with someone at four different phone numbers and could not even get a representative to speak with. One of the inquiries was a recently open card that I would be closing and transferring the balance to the Citi card. If a bank is going to deny you only on three inquiries there should be some one to talk to about the denial
Consumer complaint received 2022-09-20
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I have been trying to close my PayPal account for several months. When I first encountered this problem, I called PayPal, sat on hold for a long time, and then I was told that I didn't have an active credit card associated with my account. 

So, I updated the card information. 

After that, I tried to cancel again. The first step in this process is clearing your account of any money that may be in it. I chose the check in the mail option. That didn't work -- I got an error message. 

I called PayPal, sat on another long hold, and once I spoke to their outsourced tech support, I was told that I would be transferred to the legal compliance department. 

Another long hold ensued. And, truth be told, I hung up. I couldn't help thinking that PayPal was trying to blow me off. 

Well, this morning, I made another attempt to clear my account of any money that may be in it. Again, I chose the check in the mail option. Got the same error message that popped up during my two previous attempts. I took a screenshot and am sharing it with this message. 

Now, I'm not asking PayPal to send a huge amount of money. That isn't the point. The point is that I'm trying to get the {$11.00} that is rightfully mine out of PayPal. Can you help me do this?
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NV)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance Owed : {$850.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Balance Owed : {$530.00}, XXXX XXXX  XXXX Balance Owed : {$780.00}, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

My application was not approved with the following reason : " We were unable to approve your application because we couldn't verify some of the information on your application. '' When I reached out to the credit card company ( which itself was overly burdensome ) they would not let me know what information needed verification and they wouldn't give me any other reason for the rejection.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I have an account with Barclays Bank Delaware for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, Barclays offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have XXXX late payment in my history from XX/XX/2021. As you can see from my history with Barclays that is the XXXX and only reported late payment which was no fault of my own. I contacted Barclays several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (GA)

I filed a dispute in regards of items on my credit report it has been well over 30 days I havent received any investigation results. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.
Consumer complaint received 2022-07-28
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. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.