davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (IL)

I opened this checking and savings account with Discover specifically because they offer cashback on all purchases, but they have been cheating me continually on this!!! Now they claim you only get 1 % cash back and ONLY up to {$3000.00} which they NEVER told me when I opened the accounts, after I just deposited and spent $ XXXX in XX/XX/2022 alone and they only deposited a pathetic {$30.00} for this into my savings account for cashback redemption!!!! I am sure they have been cheating me all along as I have not been watching it closely and never seem to get more than {$30.00} no matter what I spend or pay!!! I think they are doing this to all of their customers and committing fraud!! The rep claimed today when I called that it is correct, but it is not, even if I receive a pathetic 1 % up to {$3000.00} the minimum it could be is {$300.00}!!! I want my money!!! I have attached a copy of all transactions on my account for the month of XXXX and also a copy of the bank statement from my savings showing the pathetic deposit for cashback redemption today!!! I can also provide all past statements if needed to also go after them for past amounts owed from these cashback redemptions too, in fact I may look into filing a lawsuit over this!!! I am sick and tired of being cheated by these crooked banks!!!!
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

I am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXX GXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Consumer complaint received 2018-09-06
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 (CA)

I had an account with XXXX that I used to send money to friends. Two years ago, I was banned from XXXX. They sent me an email saying I violated their terms of service. I tried to follow up with them to understand the exact terms I violated. I got no response. A couple of weeks ago my friend told me to follow up again. I got in touch with XXXX and a representative sent me an email saying I was permanently banned from XXXX and that they do not share their share their decision making criteria. This is very confusing since I had not done anything out of the ordinary and can't understand why exactly I was banned from the service. The inability for XXXX to explain what term I violated is concerning. I have no way of knowing why I am being excluded from this service, so this is why I am reaching out for your help. I know I did not do anything illegal, so I think XXXX should be more transparent of why they made their decision, especially given some of discriminatory setback associated with the financial services and XXXX XXXX. I am a law abiding XXXX XXXX man with no criminal history, so I am concerned this denial of service could be for other reasons.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Inquiry details on my account, Please remove this. Thank you! 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my Home loan application and making it very difficult for me to acquire credit I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward documentation that you have already had the unauthorized inquiry removed. 

However. should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact Thank you very much.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

XXXX have sent a letter stating I owe them {$160.00} on XXXX XXXX for account # XXXX and Ive reached XXXX to them numerous of times and even went to the office to talk with a representative because I paid this account in full and i advised them of closing my account with XXXX. I started getting these letters harassing me stating I owe them. I did Pay the amount and have disputed it and they stated they would remove it now XXXX being sent to collection for something I paid for. Please help me as I do not owe this.
Consumer complaint received 2022-07-22
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 

XXXX Employer : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this 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 XXXX 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 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 n 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 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 2018-09-06
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. (OH)

Equifax mailed me Dispute Results of their Reinvestigation on XX/XX/2018, Confirmation # XXXX, showing that the following two former addresses numbered in parentheses as ( 1 ) and ( 2 ) has been deleted from my credit file due to them being MIXED. ( 1 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. ( 2 ) XXXX XXXX XXXX, XXXX, OH XXXX. The two former addresses mentioned and numbered above are still showing on my credit report. I have included with this complaint an uploaded PDF titled equifax dispute results of the Reinvestigation Equifax sent to me by USPS on XX/XX/2018 with Confirmation Number : XXXX, showing as proof that Equifax claimed to have deleted the two addresses even though they are still being reported on my consumer file.
Consumer complaint received 2021-06-02
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: CITIBANK, N.A. (CT)

These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Identity Theft 1. XXXX XXXX  Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft BEST BUY/CBNA Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/2019 This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (KY)

XXXX XXXX  reported a charged off account to the credit bureaus in the amount of {$300.00}. I do not recognize this debt as my debt. As an XXXX XXXX servicemember in the XXXX XXXX, I have access to military financial counselors to assist in financial matters. Steps I have taken to resolve this issue are as follows : ( 1 ) On XX/XX/2018 I met with a military financial counselor regarding this XXXX XXXX account.

( 2 ) OnXX/XX/2018, together with the financial counselor, I called XXXX XXXX  and asked about this alleged debt. The representative at XXXX XXXX was unable to locate an account under my name and social security number. He suggested that the account might be with either : ( a ) XXXX XXXX at XXXX  or ( b ) XXXX at XXXX.

( 3 ) On XX/XX/2018, together with the financial counselor, I called XXXX XXXX at XXXX and they could not find an account under my name and social security number.

( 4 ) On XX/XX/2018, together with the financial counselor, I called XXXX at XXXX and they could not find an account under my name and social security number. The XXXX  representative spent considerable time trying to locate an account yet was unable to find an account.

( 5 ) I completed a dispute request with XXXX  regarding XXXX XXXX ( document 5 attached ) and mailed it to XXXX.

( 6 ) XXXX  mailed a response to my dispute on XX/XX/2018. It stated that there are no accounts from XXXX and XXXX on my credit report and listed XXXX XXXX  as contact information for this dispute. ( document 6 attached ).

( 7 ) XXXX XXXX response dated XX/XX/2018 also reports that the XXXX XXXX as " account transferred or sold ''. It states that the account was " sold to '' " XXXX ''. ( document 7 attached ).

How can XXXX XXXX  sell an account that it couldn't locate? I have never heard of XXXX before. Three documents are attached verifying the above.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I submitted a police report with a police report number to Equifax and XXXX showing that I am victim of identity theft and Equifx is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
Consumer complaint received 2020-06-15
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. (FL)

A fraudulent inquiry was made by XXXX XXXX on XX/XX/20. I contacted XXXX and filed a dispute with equifax. XXXX verified the inquiry was fraudulent and informed me they were updating the information. Meanwhile, eqifax fail to remove the inquiry and would not investigate, stating it was a fact of record. After 30 days I reached out to both and again, was told by each business to contact the other and wait for 60 days. After the 60 days, I checked my consumer file and the inquiry remained. Again, I file a dispute, but the inquiry was not removed, nor was an investigation performed. When I contacted equifax for the 4th time, I was informed again, they would remove the inquiry after receiving notification from XXXX. So I called XXXX again and was informed they were sending another notification to equifax today XX/XX/20. XXXX, the resolution manager at Eqifax said they had not received anything from XXXX, even though XXXX said it was sent today and the inquiry should be removed in real-time. XXXX was also unwilling to provide any other supervisor above her, nor was she willing to investigate the matter. I enclosed three emails from XXXX  that the information would be removed.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AZ)

On the account listed below, I have never been late on my account, but it's being reported as late. You can see that i am always on time. I told the bureaus to investigate every piece of information on the account listed. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 


ELAN FIN SVC XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$61.00} {$61.00} {$61.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$980.00} {$980.00} {$980.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1500.00} {$1500.00} {$1500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NC)

To Whom It May Concern, I am writing to correct on my background that my most recent charge had been dismissed. All of the misdameanor charges regarding larceny have been disposed or dismissed. I am also asking for reconsideration on my XXXX application. Below I have attached proof of such. 
I realize that my past records have not reflected the best of me but I assure you that my best is not what you see on this background assessment. I had made poor choices but now as a father and a XXXX, XXXX, abiding member of society I am seeking to live a better life. I am very interested in a career at XXXX to continue bettering my life and the life of my family. 
Thank you for taking the time to review and reconsider my career opportunity.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611