davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

In XX/XX/XXXX and again in XX/XX/XXXX, a banker then a teller at 2 US Bank branches informed me that if my balance went to XXXX  the account would be closed. I did in fact close out the account in this manner. I no longer monitored this account as I had already done so to insure no outstanding checks or debits were posted. Now in XX/XX/XXXX I receive a letter informing me that I owe 2 months service fees and another past due fee. I took this letter to one of the same branches and another banker told me there was nothing she could do about it. This letter also claims " You have been contacted recently '' regarding this matter. It does not say how I was supposedly contacted or dates or times. This letter also threatens to damage my credit with other financial institutions. 
Thank you.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I need assistance from your agency. 



Macys/DSNB has for years continued to destroy my credit rating with a debt for {$610.00} that I did not owe. 

This has been going on since around XXXX, and I have disputed the debt many times over the years. 

I have gotten the debt removed from my credit files, and Macys/DSNB continues to re-age the information as they have done on the copy of my credit report that I have attached with this complaint, and they have added it back to my credit files. 

In XXXX I had gotten an attorney to write to Macys/DSNB because they were also requesting copies of my credit files from the credit bureaus constantly. 

They would request copies of my credit files in one week, several times consecutively for a week. 

At times they were having my credit files run daily, or they would request my credit files several times in a month. 

And they would continue to request my credit files consecutively month, after month, after month. 

I want Macys/DSNB to stop requesting my credit files, I have no business with them, and they have no reason as to why they need to have my credit information, other than for the malicious activity that they have been conducting. 

I have questioned the credit bureaus as to why this information has been continually been placed back onto my credit files once it had already been deleted more than once, and I was told, that Macy/DSNB is the one that is intentionally reporting this information. 

Just prior to XXXX, there was a period of time that Macys/DSNB was reporting two false accounts onto my credit files so as to intentionally ruin my credit rating. 

I want all of my credit files corrected, and I want this credit account removed from all of my credit files, and I would like hard copy proof that the information has been removed. 

I want Macy/DSNB to provide you the Consumer Financial Protection Bureau with the written proof that I have requested, that they have permanently removed all of this account information from all of my credit files, and you the Consumer Financial Protection Bureau can provide me with the written document. 

I dont want Macys/DSNB to bypass your agency. I want all communication to come from Macys/DSNB, to you, and your agency can contact me.
Consumer complaint received 2018-10-17
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. (MN)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

Coinbase Support Case # XXXX. 

I have been locked out of my Coinbase account since Friday, XX/XX/2021. I reported through their customer service channels that I lost my XXXX authentication and would need help from them to reset it. They initially responded to my customer service request by email on XX/XX/2021. I replied to what appeared to be a form response to explain to them further that I needed assistance resetting/replacing my 2-Factor authentication. They emailed again on XX/XX/2021 to explain that I would need to upload my identification and a photo into their system to verify my identity to solve this problem, but they did not provide a link or other means to actually do this. On XX/XX/2021, Coinbase Support sent me another email explaining other steps I should do to protect myself including changing my password and said that I should continue to reply to their emails to get further assistance. On XX/XX/2021, Coinbase Support indicated that a " specialist '' would look into my case. 

I have sent them numerous follow-up emails since XX/XX/2021, but have not received any further response once the " specialist '' became involved. I have also tried reaching out to Coinbase and Coinbase Support through various social media channels, but have failed to receive a response.

I have substantial value locked up in my Coinbase account and would like to regain access and control of my money. My Coinbase Support Case is XXXX # XXXX.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I consumer/natural person consumer report reputation has been harmed by XXXX XXXX XXXX Pursuant to title 15 USC 1681s-2 , 15 usc 1692 ( d ), XXXX XXXX has violated my consumer rights. 
A charged Off account is reported on my consumer report from XXXX XXXX. XXXX XXXX has failed to disclose initial written with i, consumer for consent to file 1099c, Pursuant to title 15 USC 1692 ( j ) XXXX XXXX has violated my consumer rights. I consumer/natural person has been financially injured due to XXXX XXXX Actions by , reporting to consumer report agencies, ruining reputation, also disclosing non public information.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

Hi Sir/Madam My name is XXXX XXXX and I have Direct express card XXXX under account number that card is provide me Social Security Administration for my SSI . in XXXX of XXXX some one stole {$200.00} money from that card and it withdraw from other city there I never visit in my life. the card is with me and i memorize the pin never been share, I file dispute and bank suspend my dispute and there supervisor say we cant do any thing. my humble request is i want know we are trust on bank and for our money is hands on bank and if there system some one hack or there our money some one stole who is responsible. Its the money for my surviving please help me in this matter. I request bank and there supervisor very rudely say if want file complaint against us. I really feel helpless now and feel us as in trauma. please provide me justice. 
Thanks
Consumer complaint received 2020-04-16
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-03-22
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. (MO)

n accordance with the Fair Credit Reporting Act hard inquires XXXX XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I tried to retrieve my XXXX and Equifax reports from XXXX three times and I've been unsuccesful. I would like to obtain my credit reports online. I want to to pull all three reports from XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (UT)

These guys are reporting 4 fraud accounts. They have sent people to my house to harass me for these debts to the point of having to move and have to seek XXXX  for XXXX from the harassment and stalking. Nobody sent me notifications about these debts until someone showed up at my door. I have requested receipts of mail sent or a signature from the originating company to prove these are my accounts from both the collection agency and original creditors with no avail. Only copies of monthly ledgers that I could easily create with any computer or transfer information from one account to another. No signed contract or signed receipts to even prove that I opened the account. The other problem is these guys are still reporting these accounts to the credit bureaus and anytime I try to contact them I either get hung up on or no return call or email. If the debts are owed to XXXX, why am I being directed to a Resurgent website for payments? This feels like a scam and someone just looking to profit without proof.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXS Account # XXXX ; XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX, has 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 2022-03-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-12
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: BARCLAYS BANK DELAWARE (MD)

Someone used credit card checks that were in my name for a credit card I paid off and closed XX/XX/XXXX by signing my name and cashing checks according to credit card company. I explained to card card company this was fraudulent & that I didnt signed or authorized anyone to use checks. Once I became aware I reported to the credit card company and my local police in XX/XX/XXXX Nonetheless, credit card company continue to pursue to collect and finally took me to Court in XX/XX/XXXX and case was dismissed by Judge in XX/XX/XXXX Credit card Company will not report the correct updated information. Company continue to report to Credit Bureau account as charge off account since XX/XX/XXXX.
Consumer complaint received 2022-06-09
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. (FL)

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 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

There was an account on my credit report from XXXX from XXXXXXXX XXXX  the company was bought out by XXXX XXXX in XX/XX/XXXX. XXXX XXXX  is now reporting a balance owed. I've inquired with XXXX XXXX  to provide documents 3x proving balances, statements, any documentation regarding my personal information associated with this debt. i've received 3 letters stating, " For further verification please forward documentation reflecting any bank error along with the loan account number and social security number. '' Sincerely XXXX XXXX ( XXXX XXXX loan operations administrator XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (IN)

I went into a Chase branch and applied for the Freedom Credit Card at a Chase Bank on XX/XX/2022. The office closed before I could get a determination on my approval. I was given a number to call the following day, XX/XX/2022. I called the number on XX/XX/2022 to find out that I was approved for the card in the amount of {$6200.00}. I immediately asked for an increase of the the line of credit. I was told in order to increase the amount my credit would have to be ran and I would need to give permission to run my credit. I did give permission and was denied the increase. On XX/XX/2022 I went back into the Chase Branch to inquire as to why I was denied the increase. The staff put me back on the phone with someone from Chase that explained that I was denied based on the amount of time that I had the Chase Freedom Credit Card. I explained I only applied for the card on XX/XX/2022. I still didn't/do n't physically have the card. I then explained I would have never given permission to pull my credit, resulting in lowering my credit score if it had been explained that the determining factor to increasing the credit limit was based on the length of time I had the card, which I still currently don't have. The Chase representative on the phone then told me that my credit was NOT pulled on XX/XX/2022 when the previous representative asked for my permission to do a credit check. He then explained that he could run my credit on XX/XX/2022 while I was in the branch for the increase of the line of credit. I told him NO. After getting off the phone with the representative that day ( XX/XX/2022 ) I received an alerting stating that there had been a credit inquiry by XXXX on XX/XX/XXXX, and XX/XX/2022. Despite the representative telling me there had not been an inquiry on XX/XX/2022 and asking me to approve another inquiry. Chase Bank lied, and has proven themselves to be untrustworthy. I filed a complaint with them but I have no confidence in them to investigate the complaint. Not only did Chase Bank lie about making two inquiries on my credit report on XX/XX/XXXX and XX/XX/2022 I would have never given permission for the inquiry made on XX/XX/2022 if it had been explained that the determining factor for an increase would be based on the amount of time I had the Freedom Credit Card which I still don't have as of today XX/XX/2022.
Consumer complaint received 2022-03-22
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: WELLS FARGO & COMPANY (OH)

While looking at my XXXX report I saw that there were 10 addresses to XXXX Ohio. I have owned my home in XXXX Ohio since XX/XX/1993, I called to get it taken care of and XXXX told me there Is a WFDillards credit card account linked to this address against me. I told them it is not mine that I have never lived there and that they can look to see I put a fraud alert on my account. I cant get any help with resolving this issue. Where do I go from here?
Consumer complaint received 2020-03-12
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. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-11
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. (PA)

After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid off my credit card with Bank of America # XXXX, and they charge twice the payment my checking account was with over draft after that I saw that they fix the issue and I also want to see reflected my payment in other to fix my credit score.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

Contract Callers , Inc. reported that I owe {$200.00} to XXXXI called them on about XX/XX/2021 and found out that the Person with the same name as I have, who actually owes the {$200.00}, is located in XXXX. I told them that I never lived in XXXX and that I have always lived in XXXX. 

They gave me the address of the person in XXXX which I can provide to you as well as providing you my address in XXXX. 

They said they would send a " protest form '' to me and I never received it. It has been almost two weeks, plenty if time for it to get to me. The number I called for Contract Callers , Inc is XXXX. 

They asked for my Social Security Number and I said I never give that information over the phone ( fearing Identity theft. ).
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Accoun # 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