davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX Bank reported following information to Chexsystems. 
Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

XXXX XXXX is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to Chexsystems and affecting my personal life and financial status. 

I request XXXX XXXX to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection.

7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. XXXX XXXX reported my address as " XXXX XXXX XXXX '' on chexsystems report, provide proof of this address being my address during banking with XXXX XXXX. 
XXXX. If any of the information on chexystems report incorrect, I reqjuest XXXX XXXX to remove record from chexsystems. 
XXXX. If XXXX XXXX  makes any updates to record on chexsystems, I request XXXXXXXX XXXX to provide proof of real information that XXXX XXXX  updates on credit report. 
XXXX. XXXX XXXX is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to chexsystems and violating fair debt collection act by reporting inaccurate debt to chexsystems. 
XXXX. If XXXX XXXX does not provide and answer all my complaint questions with proofs, I will file a lawsuit against XXXX XXXX and Chexsystems Inc for the alleged debt reporting and hurting my personal and financial life. 

I request XXXX XXXX to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. 

If XXXXXXXX XXXX does not respond my complaint in 15 days, or if XXXXXXXX XXXX does not provide proofs requested in complaint, I request XXXX XXXX to remove this record from chexsystems and XXXX XXXX XXXX XXXX. 

Sincerely XXXX XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX. I have a checking and saving account with TD bank. On XX/XX/2022, a XXXX transaction for the amount of {$240.00} was posted to my checking. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was post to my checking account. Also, on XX/XX/2022 ; the funds of {$240.00} for the XXXX transaction was withdrawn from my checking. On XX/XX/2022 ; the XXXX transaction for the amount of {$240.00} and {$35.00} overdraft fee were posted to my checking account again.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Credit file showing accounts that arent mine. One citicards cbn with a balance of XXXX open 7 years and multiple XXXX  accounts. All open in states ive never lived. Contacted citibank amd no record of my social on file made fraud reports and freezes with XXXX and XXXX.
Consumer complaint received 2022-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third has been horrible from the beginning, but I have paid on time and until I lost my job in XXXX paid over the amount. I made them aware when I lost my job XXXX and we spoke of payment ( deferral for 3 months ) arrangement then, but I said I would do what I can for as long as I can and I did. 
I still managed to make my payment in XXXX and XXXX, but came to the end of what I can do come XXXX. I started attempting to reach out to them XXXX, before my due date of XXXX, but was not able to get through for over a week. 
So when I did finally get a hold of them ( first time speaking of the issues was XXXX ( I believe, but can not be sure ) they wanted more money to honor the agreement we made in XXXX. They supposedly base the amount they need to do deferrals based on how much I paid for my last three payments... however that was not true they base it on the last ninety days and since I paid on or before my due date previously they only considered two payments. Fine, stupid and illegal?, but I followed as directed Issue are : 1. Statements change - amount due changes 2. They are impossible to get a hold of - phone numbers do not work ( takes me usually 5 or so tries to not get hung up on... they hang up as soon as I enter my information, so to get through I do not enter it ) & online I can not log into for over a month with no resolution. 
3. Their reps are not very fluent in English... so there is language barriers that cause issue in my account. They also get rude when I ask for someone in the states, since their call center is not and I need someone that speaks/understand English to communicate effectively. 
4. They do not honor a payment agreement- for example I made an arrangement to pay {$280.00} to get a deferral for 3 months ( XXXX, XXXX and XX/XX/2022 ) so long as I paid it by XXXX, I paid it XXXX and they still do not have the deferment in place as promised. 
5. They have no clue about consumer service. - So today I have now been on hold, only speaking with someone for 5 minutes, with them for over 2 hrs trying to resolve. Think they think I will just hang up. They have played this game before... I have been on hold for over 2 hrs and have hung up in the past because my life does not resolve around them and I can not keep my phone tied up. Think they do this because they are shady and trying to set me up as if I am not honoring my part of the agreement.

I have read reviews on this group, so I know they have done this to lots of consumers. I will be moving this loan away from them ASAP once I am back to work, but in the meantime I am stuck with them : ( Please help.
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-11-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NORTHWEST BANCSHARES INC (OH)

Northwest Bank had my auto loan. I received XXXX bills in XXXX, XXXX normal and XXXX with a large lump sum. I called in and the representative told me not to worry about it and took a normal payment from me. This is noted in their accounts. This is also the last notation any employee has made. I was contacted in XXXX asking me why I am making small partial payments for a lump sum bill. When I told them about my conversation in XXXX and the payment I made then I was told that I was incorrect and that it did not happen. The lump sum for a " lapse in insurance coverage '' from a company called XXXX XXXX XXXX. I told them that was impossible, I've had the same insurance coverage from XXXX XXXX working with the same local representative, XXXX, at the same office in my home town since 2007. I contacted my insurance company and they claim I did not set up my insurance after buying the car. This is false. I called them the day I bought the car and again a couple weeks later because they messed up and failed to set up the new account. XXXX XXXX is denying this. I have been called and called Northwest Bank numerous times and they have constantly left me on extended holds, hung up, and told me the correct representatives would call me back but then failed to do so. The lump sum for the short, supposed, lapse of insurance is obscene at more than 10x my normal rate for full coverage of insurance.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC (MA)

I opened an account with E-trade the beginning of 2022. Since XXXX I have spent over 20XXXX hours on hold trying to get my account unlocked. Soon as they unlock it, it gets locked again. XXXX XXXX was looking into this and supposed to get back to me when resolved, This was back in XXXX. Now he no longer responds to emails etc. I have also sent email to XXXX XXXX and no response. Every time I have to call there is a 3+ hour hold time and then soon as I hang up my account is locked again and it's back to the beginning. I just want to get this closed out as I have never had such bad experience. They denied a check when there was plenty of funds for it to clear and would not pay the {$32.00} fee I was charged by my credit union for the returned check. This is the worst institution I have ever dealt with. Please help.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management XXXXXXXX XXXX  XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From Midland Credit for XXXXXXXX XXXX. They did this on two occasions after I called and notified them of the third party disclosure.
Consumer complaint received 2022-09-29
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. (GA)

On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 

1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX, Account Number:XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Google Compare Credit Cards Inc. (NV)

XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!
Consumer complaint received 2022-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Have contacted Bank of America on several occasions to wave the 2 fees on the savings account. Bank of America has advised me this will be done, written off, and the account will be closed as per my request. My request too close the account was due to a discrepancy in the terms and fees when it was pushed upon me to open the account witch was opened at the same time as my checking. Furthermore I've had account credits/refunds posted to the closed checking account that still still remains to be paid to me.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX, 3. XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I first met with a Chase banking agent and explained that I had experienced a scam. I gave him a spreadsheet of the list of money mules whom I was instructed to send funding to in order to recover my initial monetary losses. 

The banking agent was sympathetic to my story and kept the spreadsheet of money mules, most of whom were customers of the same bank. But after checking with his XXXX I was told to contact the Fraud division of the Bank by calling a number that was given to me ( XXXX ) XXXX. 

I spoke to the first agent, described what had happened to me ( like I did with the bank agent ) and was told to speak to another department. After I spoke to that agent and went through the same story, I was told to speak to yet another agent. 

The third and final agent said that they could only help if my account had been compromised by an outsider. She could not assist me at all.
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (OH)

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard inquires : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX ( {$590.00} )