davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NC)

So XX/XX/2022 XXXX was taken from my account according to bank with Atm machine had a skimmer. On XX/XX/2022 XXXX was run on terminal with out pin when girls did not return with my cards right away On XX/XX/2022 XXXX was skimmed at atm machine skimmed again XXXX was run on terminal no pin required after I replaced my card and reported fraud. On XX/XX/2022 XXXX skimmed at atm again, at terminal XXXX was run again with no pin. XX/XX/2022 XXXX skimmed at atm again, XXXX was run on terminal the girls didn't ever bring cards back to me this night went in and talked to owner to get my cards back this happened at a XXXX XXXX and I did not authorize or want these charges I reported it to the police my bank and the XXXX of the XXXX XXXX and I have yet to receive my money back XXXX XXXX XXXX said he would call me in 7 days no call bank XXXX said fraud claim was denied 2 times, police I am getting report today I reported each of the incidents the moment I notice minus the XXXX time as previously by bank XXXX in another fraud case they can not do anything till it post so after the weekend when it posted I reported it. I have done everything I can bank XXXX said it was denied because it didn't follow the common fraud scenario. He said to bring in police report and he would see if they would give in then but cant get till this afternoon. He alsi said it would be unlikely that they would give in to give me my money back even with police report but that was my best chance. I do not know what else to do.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway through taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates : XXXX
Consumer complaint received 2022-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was already pre-approved for an Auto Loan through Capital One, the dealership still ran my credit through multiple banks whiteout my permission. I ended up with multiple hard inquiries through my credit when I only wanted to go through Capital One since I was already pre-approved through them. I was given the run around after I tried to dispute the hard inquiries.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SLM CORPORATION (CA)

I got Sallie Mae credit card for {$200.00} rewards after spending {$1000.00}, I paid it all off and they said I have to make another {$200.00} purchase in order to use the reward towards payments, after couple of months they said I owe {$400.00} so I told them I didn't authorize two {$100.00} purchase and disputed the charges and I said you can use the rewards to pay for the other {$200.00}, they refused and said I have to make a {$100.00} payment, since yhe account is delinquent! I never told them to email the statement as I always work with mailed statements so I never saw their email for the payment..I have a very good credit score as I'm alway on top of my payments and they ruined my credit by reporting to collection agancy!! I regret I ever did business with this company!!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (MI)

Hello - I recently new to chime, now my account is closed because of the incident. I had a man in my home doing tiles on my ceiling. I entered his contact name into my phone to pay his through chimes transfer service. When he didn't receive the money within ten minutes i called chime. Chime stated a user name was associated with my contracters phone number and the money went to him. They stated to contact them to request the refund. While the worker was still in my home and i was on the phone with chime. I entered his number for a second time and requested the money back. He received that text but he had never received the money. Chime notified me that the money had went to another user of chime. The contractor opened up a chime under his phone number and opened his checking account the money wasn't there. Chime stated some other member named XXXX had my contractors number on file then they claimed this " XXXX '' had no number on file and refused to cancel the tranasaction saying there was no error. I still had to pay the contractor so I used XXXX XXXX within the same hour and stayed on the phone with chime for hours being passed around. I even contacted XXXX XXXX XXXX who stated to come here now because they are refusing to take accountabilty for transfering my money to the wrong person. It was XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (NC)

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY EXPERIAN AND XXXX Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-16
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. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-16
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 (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida. XXXX XXXX Checking account m/debit card Fraudulent charge at the apple store Claim XXXX Good evening. I am in pure disbelief at the Customer Service I just received from @ wellsfargo # wellsfargo over the phone. My card was stolen and almost {$1300.00} was charged at the @ XXXX  # XXXX XXXX. They are saying it is not proven that I did not make the purchase or allow someone else to make the purchase. I asked to speak with someone else and was told there was no one else available and I need to contact XXXX to be reimbursed. I do not know the store the purchase was made only it was XXXX  products in XXXX XXXX. Now I have to be on a witch hunt to locate this. I will be going to a branch tomorrow and if this is not resolved my accounts, 3 of them, will be closed. I am in complete disbelief over this situation and the Customer service. Wow wow wow. I would like this resolved asap. I am a loyal customer and should not be treated this way. I filed the complaint and the funds were originally placed back into my account. I received a letter yesterday that the funds would be taken out that were stolen from me on XX/XX/2022 because it cant be proven I did not make the purchase and it cant be proven I did not loan my chipped debit card to someone. My cards were stolen. Originally I thought I was in possession of my cards and called back to let them know that the cards were stolen while I was at the gym. They do not have any information regarding this call. I guess it miraculously disappeared. I need help. Please help me.
Consumer complaint received 2022-10-05
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. (NC)

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 reports no consent is fraud.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion is in violation of Pursuant 15 USC 1681i ( h ) ( c ) ( 1 ) ( b ) ( 4 ). Can not obtain my consumer report or credit file with ease, please see attachment. I have provided my government issued ID and mail per there request. Additionally, TransUnion has denied my access to my consumer report information via telephone as well. TransUnion has advised me the Consumer, Natural Person that I can only inquire about my Consumer report via US mail. This is unbelievable that this non-government corporation has control to deny me access to my consumer report that I never gave them permission to create. 


TransUnion has failed to respond to my certified mail and it has exceeded 30 days, as it relates to my consumer report. I have requested my consumer report and credit file but it has been ignored. 

Please see my exhibits for my file number.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OK)

I called Midland Credit Management ( XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX ) on XX/XX/XXXX, & personally PAID IN FULL {$1300.00} from my checking act, for my delinquent XXXX XXXX BXXXX  XXXX XXXX. Afterwards I received MCMs receipt dated XX/XX/XXXX thanking me for my payment & promising to send update to the 3 major consumer reporting agencies as paid. But this act is still listed on credit reports to this day, as charged off, not paid. And is listed with the last pmt to this XXXX act as falsely made way back on XX/XX/XXXX. Thus falsely hurting my credit score significantly. It appears my payment was embezzled, stolen & never applied to my XXXX act. I finally called the company & a foreign-sounding harsh-speaking man informed me that he hadnt had enough time, but would be promptly reporting my pmt soon. But still now in XXXX, nothing reported thus making this derogatory act remaining on my credit reports. Pls help me to get it removed. Thank You in advance!!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is my 6th 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 extortion. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$970.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Opportunity Financial, LLC (SC)

OPPORTUNITY FINANCIAL XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type Installment Account Loan Type UNSECURED Date Updated XX/XX/2018 Payment Received {$270.00} Last Payment Made XX/XX/2018 High Balance {$800.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Weekly for 9 months Date Closed XX/XX/2018 Remarks ACCT CLOSED DUE TO REFINANCE ; CLOSED
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.