davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

In accordance with the fair credit reporting act, XXXX. XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 604 Section 2 States I have the right to privacy 15 U.S.C 1681 604 Section 2 It also states a consumer can not furnish an account without my written instruction
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Since XX/XX/2022 we've have unauthorized debits to our Citi business account. It started slowly with very small amounts until it became very noticeable around the month of XXXX I reported the fraudulent transactions to our bank on XX/XX/2022. Our bank referred us to the customer service phone number which is not an American company. The representatives had a lot of difficulty communicating with us. We asked Citibank if we could work with someone in the US to get help with our account they said no it all had to be done with a non US company. As of now we have gone back and forth with their customer service company at least a couple times per month and we have gone into the local bank branch to get help. I have all documentation to support our efforts. They have told us to deal with the actual vendors which we have tried to do and they have also denied our claims even though they have all the supporting information that clearly indicates we did not authorize these transactions. The vendors tell us it's the bank 's responsibility. They even gave us the names of the people stealing from our account. The bank has also credited and debited our account so many times I have no clue where we stand. I have emailed our branch manager many times and stopped in I have even been asking our bank manager for a reply since XXXX and I just recently got a response from him. He reluctantly agreed to a meeting with us, but did email a message stating that he has spent too much time on this matter. The bank has made it very clear that they are not willing to help us and they have made our account such a mess by the debits and credits that I have no clue currently what they owe us. I am sure that it is several thousands of dollars. Additionally, if you see the correspondence they have sent us in the mail you would have no confidence in their ability to run a business. I have that correspondence as well. If someone can please advise us how to get this resolved. Thank you in advance for your help with this matter.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

This is my second 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 XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-14
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. (MI)

When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MI)

This month on XX/XX/2020 I received a notice from Lowes Credit Card in XXXX Mi.that they checked my credit, and decided that the XXXX dollar limit that I had was to much, and they reduced it down to what is owed at XXXX dollars. They decided to do this during the covid- 19 pandemic. Adding to the already stress of worrying about my credit report among other stress related problems.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I am the victim of unauthorized purchases.! As of XX/XX/XXXX with a Chime Debit Card It was done in such a manner that i have no receipts and my checking account has only have {$20.00} First, let me start here, on XX/XX/XXXX I tried to log into my Chime account and was told to use the App. I have problems with the App as the last 2 times I placed my Chime Debit card on it, I was someone skimmed the code and password, and had 11 unauthorized purchases from XXXX XXXX XXXX XXXX XXXX I am a XXXX  I do not have any use for the items. It does seem that it was some party from a XXXX XXXX, yet all the purchases were in California. All 12 unauthorized purchases totaled about {$2700.00}. I am trying to get more information, yet the Chime, / XXXX XXXX  made a rash decision to reject my claim, and I want to file a new claim with Chime. I want to file this complaint as well for their lack of follow through and not even giving me a credit. I am in financial hardship because of this. In addition, Chime detected suspicious activity on XX/XX/XXXX and I had a Direct Deposit coming in from my employer XX/XX/XXXX. I had to provide a lot of information to get my account from suspension. Yet, my employer withheld my check and I had to apply for Direct deposit again. Then my employer, ( XXXX XXXX XXXX XXXX  XXXX XXXX  ) said Chime rejected the routing number and account number the first time and I had to do it again. I consider both instances poor customer service and follow-up. First I want and need a refund from the unauthorized purchases on Chime XXXX # XXXX XXXX XXXX XXXX. I need Chime to check the purchases on this new, but disabled card. I do not have the record to the recent unauthorized transactions, only a brief description on my online bank account. 11 of them from XXXX are unauthorized. Chime says I have to present more information, I was kind of hacked and have very little information. All i have is what is on my online banking account. But to Chime, that is not enough, and i am still out the money. All of the unauthorized purchases were made between XXXX and XXXX XXXX  on XXXX. XX/XX/XXXX that XXXX. A record of this is on my checking account. I am in need of my funds back that would be fair, and a more through investigation from Chime Member services. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not all but most of them . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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 asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts 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 an account without my written instructions
Consumer complaint received 2022-07-21
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX Ad XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I was the victim of a phishing scheme and Wells Fargo refuses to replace the {$3500.00} that the criminals stole from us. 

I received a call from Wells Fargo 's fraud department ( checked the number and it was the same as the fraud department number ), telling me that my account had been compromised. I stayed on the call to try to remedy the situation. While I was on the call, the criminal authorized {$3000.00} from one checking account and {$500.00} from another to be transferred via XXXX. It turned out, that it was not Wells Fargo 's fraud department, however, because the phone numbers were the same, how was I to know?
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 30 days, XXXX on time, XXXX 30 days. Also XX/XX/XXXX : TransUnion on time, XXXX on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 60 days, XXXX on time, XXXX 60 days. Also XX/XX/XXXX ; TransUnion on time, XXXX on time, XXXX 30 days. 
Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I have a Citibank Visa card issued for Costco. I was charged automatically on the bank card in XXXX for Coscos annual fee. I never received any notification by mail phone or email until XX/XX/XXXX ( text ) saying i owed money and needed to make a payment immediately. Calling them trying to get it Resolved I was constantly transferred around and then eventually disconnected. Also trying to do it online becoming disconnected. Still am not receiving a statement of any sort or any resolution other than to pay the late fees which has more than doubled the amount originally charged. Also trying to cancel the card with no success.
Consumer complaint received 2022-12-03
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: LEXISNEXIS (TX)

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo offered the covid relief where during the pandemic, i could defer my loan payments, due to pandemic related financial issues. 

I took them off on the offer, due to me being a single dad who works at a XXXX  keeping this state and country safe ... ..and needed the additional assistance for medical costs, food, and child care... 

SO in XXXX, XXXX, i started to repay on my loan and have done so ever since ... now they are claiming that I owe the full mortgage amount owed and will not tack it on to the end of the payments. I am aware that I owe the escrow amount that was deferred and I am ready to pay that, however I now see this as an attempt to steal my house... 

I went into their plan for covid relief needing the assistance and now, im backed into a $ XXXX hole ... if I couldn't afford expenses during pandemic, how exactly am i going to be able to pay XXXX lump sum? This is fraud .... nothing more than a banking institution offering one program and not following through on it.

They have me fill out a hardship application and are saying they are going to help me, but I do not believe them at all ... .. My house is worth almost twice as much of what I owe on the full amount. 

They are trying to steal ; my house ... ... .. that i can easily afford now that I have a better financial situation since XX/XX/XXXX... I have made every payment since then...
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NE)

This is regarding me cooper, subserviced by lake view loans. 

In XXXX we signed mortgage modification papers. It stated XX/XX/XXXX our payments would resume. I went to pay online on XX/XX/XXXX and it stated a balance of {$0.00}. And that our next payment was due XX/XX/XXXX. So I thought maybe I remembered wrong. I got a call mid XXXX about our late payment. I explained the situation and requested a call back from a supervisor. About 3-4 days later I had to call again and request a call back. I received a call 4 days later on a Monday, and she left a voicemail to call her back at her personal office phone. I did, left a voicemail and received no response. I called again 2 more times over the next few days and still never got a call back. I call today to pay XXXX $ of my mortgage and figure as I get money XXXX just get caught up. Well, Im told when I call in that the manager left a note on my account that she cant do anything for me. I didnt even get a chance to tell her what happened, she just got the jist from an employee. How is that ok? Then she tells me XXXX cant just pay XXXX $ toward my payment. I need to pay it in full, or I need to pay XXXX $ today and XXXX $ for the next 3 months. I could do that, but not in lump sum amounts. So I cant pay my mortgage. I literally have no way to, they can have me come up with XXXX $ out of the blue, or have my bank bounce and I go thousands of dollars in debt, they wont let me simply pay it off one step at a time. How is that legal? Then the employee has the gall to suggest I sell my home. When Im LITERALLY TRYING TO PAY IT.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (MN)

I have recently opened a business credit card with US Bank. Since receiving this credit card, that is linked to me personally and also to our work account I have received numerous fraudulent emails on new accounts being opened and money being transferred. I have been in contact with US Bank numerous times from XXXX  XX/XX/22 through today, XXXX  XX/XX/22. US Bank has not been able to provide any resolution and do not I feel they are keeping my information safe and the attempted fraud is continuing. Please see the attached documents.