davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2023 someone called me from Fifth Third Bank Fraud Department 's official phone number and identified themselves as a Fifth Third Bank employee attempting to verify transactions made I'm a different state on my checking account. They listed charges and dollar amounts I did not recognize them so I stated they were fraudulent. They placed me on hold while they marked the charges as fraudulent. They stated they were resetting my online profile because it showed someone else logged into my online Fifth Third account in a different state. The call suddenly disconnected and seconds later a {$1000.00} charge hit my checking account. It was listed as a XXXX transfer to someone named XXXX XXXX along with the person 's phone number. The person that called me was a hacker that spoofed Fifth Third 's Fraud Department phone number and XXXX 'd themselves {$1000.00} after hacking into my Fifth Third online account. I immediately called Fifth Third Bank Fraud Department ( the same number the hacker spoofed ) and filed a dispute. On XX/XX/2023 I received a letter in the mail from Fifth Third Bank stating they denied my dispute for the {$1000.00} fraudulent charge. I literally gave Fifth Third Bank the XXXX information I found from the person who stole my money and the screenshot I took of the call log showing the fraudulent call cane from Fifth Third Bank and they still denied my claim. I need your assistance.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I applied for an capital one credit card back in XX/XX/2023 but yet I never received it they needed even though I have XXXX issues no fraud alerts etc I still have not gotten my XXXX XXXX XXXX Capital one wanted copy of MY XXXX  DL for verification to remove account restriction and send me card
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT EDXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXXE XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-07-07
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXX   XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} AEA FCU XXXX {$2000.00}
Consumer complaint received 2023-03-28
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. (MD)

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of  every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I signed up for a Discover card specifically for their balance transfer promotion ( it was in fact part of the application and the credit amount extended was the same amount as the balance transfer amount ). 

My application was approved and the account was opened on XX/XX/XXXX. However, Discover failed to process this promotion due to an identity verification that took over three months to complete. I did my part at every step and called Discover every couple of weeks to find out why they hadn't done their part. Each time I was assured that it would be processed as soon as possible so I could complete my balance transfer. 

They finally processed the card yesterday ( XX/XX/XXXX ), but are no unwilling to honor the promotion for which they specifically signed me up for. Now, due to how this card was marketed, I am stuck with a Discover card that doesn't do what it was promised to do in exchange for me opening a new account. I am also now unable to cancel the card without the penalty it would cause with my credit score.

I called Discover and spoke with two supervisors who tried to override the block because they agreed this wasn't right. Unfortunately, their " system wouldn't allow '' them to honor this promotion because it had expired. 

This amounts to fraud on Dicover 's part. I registered for their credit card based on a promise they made and it was unfulfilled. 

Attached are emails showing the date the card was approved, my second request to do the balance transfer ( first was with the application itself ), and the third email shows the date they finally activated the card ( three months after opening the account! ).
Consumer complaint received 2023-01-20
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. (DE)

My name is XXXX 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 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NV)

On XXXX I discovered rampant multiple fraudulent transactions performed on my Truist Bank checking account. I called the bank to report this and file a fraud claim dispute. I was told an investigation would be performed on the fraud claim. Two days later I call follow up to find out the claim was denied because the bank said I authorized the transactions. I vehemently deny the fraud charges were completed in a Georgia when I live in Nevada. I started with Suntrust Bank over 10 years ago when the bank was merged into the newly formed Truist Bank. I explained I never used my card in Georgia, I didnt give any unauthorized information to anyone to access my card, and I misplaced my card. The bank says someone used an XXXX to access my account in Georgia and therefore so they are denying my claim. The fraud claim includes thousands of dollars in fictional fraudulent checks into a Truist Bank Atm machine, debit card purchases all in Georgia while I was in Nevada the entire time. 

I am requesting the Bank do a proper investigation perhaps look at camera footage at atm machines where fake checks were deposited, talk to merchants where the card was used to see who is performing fraud on my account. I will not accept the bank not performing a thorough and proper investigation. The bank refuses to send me copies of the fictional checks that were deposited, they say I have to go to a local branch even though the closest branch is over 1,000 miles away from me. Ive had multiple phone conversations with three representatives from fraud management and fraud communications with no resolution to my fraud claim. I spoke with XXXX today, I was told I would be contacted my fraud analyst XXXX who has not contacted me, and nobody will assist me. 

I reported multiple times that my card was lost or stolen, and I do not know who is using my card information and the bank continues to tell me that I authorized the charges. I am Requesting the CFPB to assist me in getting Truist Bank to perform a fraud investigation completed, to dispute the fraudulent charges, and not hold me liable for fraudulent activity on my debit card and checking account for charges I DID NOT authorize. I have never been to the State of Georgia, never used my card in Georgia, and I did not authorize anyone access to my account or card information. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX DOB - XX/XX/1982 Truist Bank Checking Account Number - XXXX Phone - XXXX
Consumer complaint received 2023-07-12
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Claim XXXX I am requesting this claim be opened back up and I be issued a temporary credit again The company has received the items and is refusing to refund me I have proof of the items being sent back with the return label they provided they say they will not issue a refund for what ever reason this is theft I'll attach the XXXX  label I used to send the Items back Return information-XXXX  Shipping company -XXXX  Order number XXXX and order number XXXX For order number XXXX the company was paid a XXXX  claim for a loss package and are still refusing refund Return tracking number XXXX Shipping company XXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

I have been trying to get ahold of Equifax by speaking to a live XXXX XXXX XXXX to resolve an issue regarding the retrieval of a PIN that was given to me when putting a freeze on my account, so that I can continue setting up my XXXX under XXXX XXXX. The issue is that I set up an account with a different credit company and do not have the PIN that was given to unfreeze my account. My credit is unfrozen, but XXXX still needs the PIN to proceed further, but Equifax DID NOT give me a number. While trying to get ahold Equifax, it takes you straight to an automated person to handle your business, but nothing was handled. After I gave my personal information, they claim that there is no record found, and that they will mail me out a letter with a recovery PIN ( or something along the lines of that ). I do not have the time to wait for something in the mail that will take a week when I can get it over the phone. My biggest issue is the fact that Ive been waiting to speak to a live XXXX XXXX Equifax for TWO HOURS! Not to mention that I had been trying to get ahold of them since yesterday ( XX/XX/2021 ) This is currently happening as I write, and Im currently missing work just to get a PIN. This is extremely unprofessional of this company to not have a better customer service line to help with these kinds of problems. If I would have know that placing a freeze on my credit was not for the greater good, then I wouldnt have done it. Absolute worst credit company, nothing has been done, and my life is being XXXX by this as I sit here and write.
Consumer complaint received 2020-07-07
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

This card belonged to my now ex husband. I agreed to settle in full to get it off of my credit report. I then paid them the amount after I requested it to be removed from my credit report, they refused after taking my payment. 

I am trying to buy a house, and this debt want even mine! Then, last month ( almost three years after I paid them ) they went and added a bunch of late payments, dragging my credit score even further down. 

I want this trade line deleted please, I can not buy a home with it on there.
Consumer complaint received 2022-06-30
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHS US DEPT ED # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MN)

I have a debt of {$10000.00} with radius global solution through XXXX XXXX XXXX. I have never used XXXX in my life. Ive been a victim of identity theft before & the police in XXXX TX police report number XXXX called me the other day say they did a raid on someone home and they had XXXX other people identity and I was one of them. This is the second time my identity has been stolen. I already contacted radius solution waiting for a fraud packet to fill out for them. I need to get this off my credit because this is not me!
Consumer complaint received 2020-07-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.