davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: LEXISNEXIS (VA)

I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not discharged LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. 

XXXX I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX
Consumer complaint received 2022-10-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of the accounts below are not accurate. Payment history, the open date, date last active, and date of last payment is not 100 % accurate. 

XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-08-10
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. (NC)

I noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. Equifax has failed to respond to any of my requests. 

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). XXXX and Equifax is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

Equifax has not responded to any of my letters.
Consumer complaint received 2022-10-26
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Consumer complaint received 2021-03-12
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. (FL)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2021-09-07
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. (NC)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 I used my Citibank 's card Thank You rewards network for a hotel stay in NC. As result of the issue the hotel management issued a refund ( attached ) at the amount of {$42.00} which was paid to the Citibank 's travel processing vendor as it was responsible for handling the transaction. As of today the amount was not returned back to my credit card. When I contacted the Citibank 's vendor XXXX XXXX I was first put on the very long hold and then subsequently mocked and laughed at by the customer service representative ( I strongly suggest the Citibank to pull the call and hear it how it was handled ). It is reprehensible that the refund is automatically returned back to the cardmember and the Citibank allows its own vendor to what amounts to fraud. 
Question : what are the standards by which Citibank 's own rewards travel program is administered and why the Citibank doesn't not have any oversight on how issues such as this are handled. 
Ultimately I accrued the rewards points and used them as result of thousands of dollars of purchases with the Citibank card and I hold Citibank ultimately responsible for the issues resulting from its and its vendor 's abuse.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. 
Thank you, XXXX
Consumer complaint received 2021-01-12
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: BARCLAYS BANK DELAWARE (AZ)

I submitted a complaint on XXXX and they sent a letter that it would be fixed in 30 days and its still reporting as a late payment when they said it was removed per the letter they submitted.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

I am receiving overdraft fees due to low funds, long pending times for refunds, and other overdraft fees. My bank account is in the negative and I am having issues making it positive due to compounding overdraft fees.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This is my second claim against this company I was lied to after I distinguishly pointed out the errors in the caculations of the square footage of my home along with the incomparable comps submitted I have not recieved any fairness that I deserve as a customer. The facts are proven in the appraisal report it was bias. Along with the rude treatment from wells fargo employee and the desrepectful accusation comments made in the comments in the apprasers report stating that I did not need a loan. There is a loop hole in this system and the money that I gave to Wells Fargo totalling XXXX should be refunded back into my account. Due to fraud lies and misuse of a work trusted into the hands of a representative who does not evidently believe that numbers are the true facts of survival or Wells Fargo representation and reputation has been truly compromissed and they don't care.
Consumer complaint received 2021-03-12
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: CITIBANK, N.A. (NY)

I applied for a Citi Diamond Preferred Card in order to use a transfer balance offer they had XX/XX/2021 it was approved and I applied to do a balance transfer online. It was my intent to transfer money to my XXXX XXXX XXXX XXXX Mastercard in the amount of XXXX. 

XX/XX/2021 I received an e mail stating my balance was available online, and it looked like the balance transfer went through. I checked my XXXXr account and I did not receive the funds in any of my accounts, and called them to confirm they had not rejected any payments, and they had not. 

I have called Citi Bank to find out where the funds went and they stated to a company by the name of " XXXX XXXX XXXX ''. I do not have an account there and don't know how my funds were sent there. Citi was made aware of this and started an investigation which produced no results, and basically told me to call XXXX XXXX myself to get my funds. I refused to do so because I don't have an account with them and should not have to fix their mistake. On XX/XX/21 I was then told by XXXX agent ID XXXX that Citi provided my bank account information to XXXX  XXXX along with a letter stating the funds were sent in error. I did not provide authorization for my personal bank information to be sent to another company who I don't do business with. They said the plan was for XXXX XXXXXXXX to transfer the funds to me this way. I stated I no longer wanted to balance transfer funds and wanted my account closed because this is fraudulent. I was then told the company " XXXX  XXXX '' was affiliated with XXXX XXXX XXXX XXXX in some way and to call XXXX XXXX XXXX XXXX to see what they could do. When I did this on XX/XX/21 they stated the money was not transferred to any of my accounts and suggested I call Citi back to resolve the issue with them. I have no idea what is going on but it feels like someone stole my money and is trying to charge me for it or blame me for their mistake. I emailed XXXX XXXX information sent to me about the transfer in hope they could help resolve this, but I have not heard back yet. I have been on hold for hours trying to resolve this and it feels like it is going nowhere. I need help!
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, apparently, I was looking for a recliner. I found some, but my daughter thought I should look at XXXX recliners. I found several and sent them to her. She liked one and I started a purchase process. I saw the recliner would take 4-6 months to be delivered. We decided that was ridiculous. I had started a purchase process but DID NOT FINISH because of our conversation. I did not purchase the chair, did not receive an account initialization announcement, account number or credit card. 
then I saw an account was added to the XX/XX/XXXXCredit account report, lowering my score and possibly added at the other two credit reporting companies. I started with XX/XX/XXXX because it was the one sending me the information. So I dispute the addition of this fallacy to my credit reports.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hi, I have been working with Capital One on a fraud account that was opened by my ex fianc in my name. He opened up with account without my permission or knowledge and quickly racked up around {$7000.00} on the card. I found out about it through a credit monitoring account. I have provided Capital One with a police report and also two letters proving that I was not around or able to make charges during the time when most of the charges were made. It not only took extremely long for Capital One to get back to me when I first reported it, they never even sent me an update. I found out the status through pulling my credit report that they were holding me responsible. I then refiled the fraud complaint, provided all of the information around where I was during the time the card was being used but they are still holding me accountable stating that I opened the account. My ex was able to open the account because one of those mail flyers came in the mail and he has all my information plus knows how to sign my name. I did not open this account and will not pay them for this. Their customer service has been ridiculous and has taken almost an entire year to sort through this only to tell me, no they are holding me responsible. I am absolutely disgusted with their lack of investigating and outcome of this. I found out my ex was even having the statements sent to his email so I wouldn't see them! They should have this in their system showing who they were going to, right?? I am a single mother, and I can't afford to pay nearly {$7000.00} for something that I did not do. Capital One needs to take responsibility for sending consumers these old school flyers allowing people to have these accounts opened up by scam artists. These days these shouldn't even be lawful. Fraud is so prevalent that I am shocked these are still used.
Consumer complaint received 2019-02-07
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 (MA)

On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is  clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, XXXX XXXX
Consumer complaint received 2022-10-26
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)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.