davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (NC)

In accordance With the fair credit act Radius Global SOLUTIONS LLC has violated my rights. 

15 USC 1681 SECTION 602 I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT AN OPEN END CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've contacted XXXX and EquiFax about my credit score dropping a significant amount when my student loans were transferred from XXXX to XXXX. When I tried to contact the company as to why my score dropped such a significant amount while my loans were the same, they said they don't have any authority to check my credit report or tell me why it went down.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (MD)

M & T is refusing to release the title to my XXXX XXXX  I completely pay that loan off and the vehicle was refinance with a new credit union But M & T are doing fraudulent activity with I This account they send me all the satisfaction documentation and they cashed the check from the another financial center and by law know cant have two open loans on the same vehicle
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

Hi my name is XXXX XXXX. I deposited some winnings to my US Bank account from my XXXX account. Soon after, somebody had compromised my account and stole all of my money. My card was stolen from me and also my phone. Somebody was literally able to go in the branch and withdraw all of my money. I was crying so much because Ive never lost this much money before and I was so lost and did not know what to do. I quickly contacted my bank and told them of the fraud I discovered and was assured that I would get my money back. Once my claim was filed I received some documents via mail which a few representatives had advised me ; to fill out EVERY SINGLE DOCUMENT. So I did just that. It is now about to go on 2 months almost without my money and Ive been calling the bank constantly about it. So I call today for an update and he says I have some bad news I see you signed the indemnity agreement. I was like why is that bad news. He said well that holds the bank not responsible for future claims. Then I asked well what about the current claim. He said the current claim the bank still will pay but any future lawsuits you basically just waived your rights I feel like I was baited into signing this agreement because it is not clear and is purposely put at the end of all the documents that were sent to me. He did tell me though ; that my current claim was still in works but also to me that IF HE WERE ME HE WOULD HAVE NEVER SIGNED THE INDEMNITY AGREEMENT. So now I really feel bated into signing something that was not a clear document. At the end of the day $ XXXX XXXX dollars was stolen from me when I feel the bank could have done more to PROTECT ME. All I want is my money back and nothing else to do with US BANK because I have been treated so unfairly throughout this whole process.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

From XX/XX/XXXX to XX/XX/XXXX {$9100.00} dollars was stolen out of my account via fraudulently written checks. This plus a {$35.00} insufficient charge totals to {$9200.00}. XXXX XXXX was helping my mom ( the primary account holder ) with somethings around her house because she was dealing with medical problems. At one point she was even hospitalized. As soon as I became aware of the fraud, I immediately called the bank who opened a case and told me the money would be put back within 10 business days. Well after a month of back and forth, hearing a different picture from the myriad of customer support professional I spoke with, I finally learned that the claim was denied because the fraud started in XXXX and that was outside of the 30-day period in which fraud was required to be reported. I was beside myself. The signature on all of these checks did not match that of mine or my mothers and it was so clearly fraud. Does the bank not have any internal protocols to match a signature when cashing checks? We've reported this individual to the police and he is in custody, but we are still out of almost {$10000.00} and my mom was sick. The money stolen between XXXX and XXXX was {$1200.00} and from XXXX to the beginning of XXXX when I made the report he stole {$7900.00}. Going back to XXXX would have been 60 days, but the bank refused, saying that because it started in XXXX - none of the money would be put back. 

This is incredibly egregious from a company that made $ XXXX dollars in XXXX. 

Case # XXXX Claim # XXXX
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (AZ)

I bought a visa gift card of value {$500.00} in XXXX  ' food on XX/XX/XXXX and found that someone else registered my card already and made several unauthorized transactions of total value more than {$400.00} on XX/XX/XXXX and XXXX. I called XXXX  ( US Bank ) to request a replacement card and dispute the unauthorized transactions. As requested ( CID number XXXX ), I faxed my valid government ID, front/back of gift card, and original receipt of purchase to prove the ownership of the gift card on XX/XX/2021. I was told by the agent via the phone that they will respond within 3-5 business days by mailing a replacement card and helping me to handle the unauthorized transactions. However, until of today, after 10 business days, I did not get any response from US Bank regarding whether they get my request approved and whether they have mailed the replacement card or not.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My account was hacked into, they reversed 8 charges from my account that was not authorized by me the account owner. Chase bank did not let me know that these charges got reversed and I ended up loosing {$1400.00} on XX/XX/22. I called chase to get my money back but because the person XXXX it to themselves chase said that they can only let XXXX know and take that persons account down but could not do something about the {$1400.00} and did not give it back after several attempts of calling and talking to the fraud department.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

I opened a new checking account and took a picture of my check on friday XX/XX/XXXX for XXXX and the next day, Saturday XXXX became avail to withdraw. I called a couple times and asked why only that much and I was told because my account is still under 30 days old. Ok, I understand I get it. I called back asked when it would be avail because it was already cleared from the company and taken from the company account. I know this because I work for my girlfriends family doing demolition. The bank told me it would be available to withdraw on the XXXX on a Tuesday 11 days later. I complained about getting paid again befor I even have that money available to me and it has cleared with the company already so I was unclear of why they had to hold it for so long. I called so much they then told me it would be available Saturday the XXXX. Friday the XXXX I had 2 payroll checks one for over XXXX and one for {$380.00}. I didnt want to take the chance of not having anything avail from the check over XXXX I decided I would take the chance on the {$380.00} check so I took a picture and deposit it into my checking account and at this time it made {$10.00} available out of that check available, so at this point I have deposited over 2000 into this account and only had access to {$10.00}. Saturday morning the XXXX finally available to withdraw. I had one of my vehicles towed for sitting in a parking lot on Sunday the XXXX so I went to take money out at a atm to get the vehicle out which was going to be {$450.00} to release and then tow back to the place it was taken from. I hadnt set up a pin yet because I had only made 2 deposits to this account so I went to the atm attempt to do my pin and it kicks my card out and tells me to contact financial user. So I called them on a Friday and they told me fraud had put a hold on it and wouldnt tell my why and transfered me to the fraud department. I was put on hold for 2hr and 38 mins and a automated voice came on saying to call back during business hours. I call back Monday morning and attempt to figure this out and Im told its because of a check they need to verify and told me they had tried to contact the owner of the company and left them a voicemail. I then called the owner and she had nothing in her voicemail or any calls. I tried all day to get in touch with someone while at work in heavy equipment only to be put on hold all day for at one point 1hr and 40 mins to just have the lady on the other line say she could only have me on the line for another two mins and then she had to disconnect the call. I told her to put me on hold for the two mins and when she ends the call Ill just call right back to sit on hold again and she told me ok. I couldnt get ahold of anyone all day after call after call after call after call. My vehicle is now going to be charged more to get out and my account is still locked. I told them multiple times about my vehicle being in a tow yard and I needed it fixed asap and still got nothing
Consumer complaint received 2021-10-13
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. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OLD NATIONAL BANCORP (IN)

Received a letter from Old National Bank XX/XX/XXXX for a loan in the amount of {$36000.00}. for a XXXX XXXX XXXX. Called Customer Service XX/XX/XXXX to report this loan as fraudulent. Customer service would not let me talk to anyone in the fraud department and told me I have to I have to go to a branch. I don't understand why I have to take time off of work which I don't get paid for to come to a branch when I didn't take this loan out on this vehicle. This loan was taken out in Michigan and I have never lived outside of Indiana. I feel as if ONB did not do their due diligence at the time of loan and allowed this fraudulent in my name.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OK)

I recieved my unemployment deposit the night of XX/XX/18. I checked my balance- it was XXXX. A second deposit- pua of XXXX- was deposited. My account was then closed permanently- without my knowledge and with no warning-blocking access to my remaining balance. I have been on hold trying to fix this issue- only to be told there is nothing anyone can do. In the service agreement it states account can not be closed with a remaining balance without my permission- which I didnt give.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (MD)

I recently check my credit report and noticed a collection on my credit report account number XXXX Complete Credit Solution this account is reporting inaccurate information. The account is reporting a debt collection that is reporting as a closed account on XXXX, but on XXXX and XXXX its reporting as open. Further more this account was once closed on XXXX but has now been reopened.
Consumer complaint received 2023-05-04
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. ()

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : Acct # Company Name Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2021 I ordered a product that popped up on an internet search. I immediately realized that this was a fraudulent site and purchase and notified PayPal via telephone. A dispute was opened and when I logged in I uploaded docuemnts to prove the fraud. They investigated it and on XX/XX/2021 Synchrony Bank sent a letter advising that the research indicated I purchased the item and received it. I DID NOT. THe tracking number on the POst Office reciept shows it was delivered to XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX. The item a XXXX XXXX can not fit in a mailbox and weighs approximately XXXX or XXXX lbs. The box the one I purchased from XXXX XXXX for {$110.00} was in a box XXXX '' XXXX '' XXXX '' ... no way it went in a mailbox. Pay Pal did nto review the documents I sent and charged me the {$69.00} for a product I never received from a compnay that is perpetrating major mail fraud!!!! Because they lost their money to this crook they are making me pay. They do not adequately vet or research their vendors obviously.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MA)

I received an email notification from XXXX XXXX  stating that there was new hard pull on my credit report that I did not authorize this was done on XX/XX/year> at XXXX and it was added to my XXXX credit report that why I am filing this dispute
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Chime is the company they're backed by stride bank I believe and they took my money. {$500.00} then locked my account and they won't let me back into it I've tried to call in at least 20 times. I've received no reply from anybody at chime. Only automated confirmation or emails
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

Chase SUSPENDED my online banking after SUCCESSFULLY and PROPERLY sending multiple XXXX transfers EXACTLY AS I INTENDED, but felt that they knew better than additional transfer as it was " suspicious '' and FROZE my online access, rendering me COMPLETELY UNABLE to conduct business as a real estate broker and property manager - REQUIRED BY STATUTE AND BINDING CONTRACTS to pay property owners BY THE XXXX OF THE MONTH. I called Chase, ONLY FRAUD Department can help me. They are closed on Sundays! It is a HOLIDAY WEEKEND - Customer Service says Fraud IS open on a bank holiday - so, the moral here is commit fraud on Sunday as Chase is not open to catch you or help those victimized? MAKE NO MISTAKE - THERE IS NO XXXX FRAUD - the only " Fraud '' here is Chase. For the love of XXXX, Chase, you make XXXX XXXX look good now, and that is about near impossible I thought!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021, I noticed a fraudulent charge in the amount of XXXX from a merchant called XXXX XXXX charged to my Chase Visa. I immediately called the chase fraud division to report a fraudulent charge, and they told me to immediately destroy my card and begin using a new one. I complied with these instructions. Today I received a notification that I had " received some benefit from this transaction '' and that they would be recharging me for this amount. I did not receive any benefit and have never signed up for an account let alone heard of this company. I am very frustrated with them and don't understand how I received benefit from something that I did not charge and did not authorize.