davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert Morgan Group Inc (FL)

On XX/XX/2023, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so. 

On XXXX, Robert Morgan Group illegally charged my debit card without receiving my authorization to do so and violated the payment arrangement that was signed by both parties. Payments are to be authorized by myself and the payment date is the XXXX of each month. 

As stated in the pictures I have attached, both unauthorized payments were made at XXXX. No calls were received.
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: CITIBANK, N.A. (NY)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2022-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (NJ)

I have filed Bankruptcy XXXX XXXX -Discharged Reference # XXXX. This shows up on my experian and XXXX but has not updated on my Equifax. 

The date filed was on XXXX this affect me from being able to move forward, please get this updated because I have been trying to reach out to equifax but nothing has happened.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (PA)

Hello On XX/XX/XXXX at XXXXXXXX XXXX I tried to purchase movie tickets from the company XXXX  the price was {$34.00} I received an error message that says " we are sorry, but there was a problem reserving seats at this theatre and right after that I received a text from XXXX  that says you spent {$34.00} at XXXX I called XXXX and asked them where are my tickets they said the sale was voided I asked them why and I never got an answer but by that time I didn't care I was only concerned about getting my money refunded I asked them specifically if I did not purchase anything why didn't they send me an e-mail confirmation about the voided sale then they sent me an email that has their policy about unsuccessful transactions I asked each company why my funds were being held if I made no purchase and they both blamed each other and I was not told how long I would have to wait for the release of my funds it was 7 days I want to know as a consumer do I have any rights If the company voided the sale right after I attempted to make a purchase why did they hold my funds it was clear that nothing was exchanged money for service or goods just two companies playing around with me for a week on the XXXX  account it doesn't even show that the funds were refunded I just got a text message like it never happened my children and grandkids rely on these cards they are college students if they attempt to purchase something and the sale doesn't go through and their money is held up for 7 days that could be disastrous for them I was fortunately able to go to the theatre and purchase the tickets I am concerned for people who rely on these cards to reiterate if the company canceled the purchase on their end and there Is no sale why did they place a hold on my funds for 7 days the card company said they did not place the hold and the company said the same I have chat messages from both telling me to talk to the other company XXXX XXXX is not accepted everywhere ok so if that's the case then why can't I be told that at the point of sale so I can use another pmt method which is what I think may have happened since nobody said why they didn't let me use the card I have used it with no problem ever before or since then
Consumer complaint received 2023-04-08
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. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 2022-10-10
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. (NJ)

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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (CT)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

XXXX  text received asking if I used my debit card to purchase {$500.00} at XXXX XXXX. Texted back no, then received cell phone call from Citibank, which I now know was a fraudulent call. The fraudulent person represented themself as a Citibank employee and was helping reverse {$500.00} debit purchase. While doing so, I received text messages about XXXX amounts, XXXX in total that came up to {$14000.00}, and the Citibank employee said they could help reverse these by having me XXXX back the funds. When the Citibank employee took me through the process, I saw my name as the person I was sending the funds to, however I later learned it was not to me, it was to the scammer. The fraudulent person also was able to open XXXX additional checking accounts and move {$15000.00} from my savings into the XXXX checking accounts, then apply for a personal loan. All were never authorized by me and all was done under the pretenses that I was talking to a Citibank employee who was helping me recover what I thought was fraudulent XXXX transactions. Now I can see all was fraud and I contacted Citibank the same date as the fraud, XXXX. Citibank is refusing to see this as fraud, and denied all XXXX ( XXXX ) disputes. I believe I am covered under the Electronic Fund Transfer Act, and Regulation EXXXX I was tricked and scammed and Citibank was negligent in alerting me that XXXX checking accounts were opened and savings was moved all without my authorization. And the movement of money through XXXX was under fraudulent pretenses because I believed I was resending the money back to myself.
Consumer complaint received 2023-03-23
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)

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX account # XXXX under 15 USC 1681, 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 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 2022-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (IL)

I made a dispute for {$40.00} atm charge that was taken out of my chime checking account on XX/XX/XXXX. I tried to take out money but never received the funds. Im reaching out because I need those funds asap and still havent received it back yet my case number for the dispute is XXXX
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

We had 2 accounts with XXXX XXXX XXXX. XXXX was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings  to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.
Consumer complaint received 2023-01-07
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. (GA)

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TN)

On Sunday XX/XX/2023 I went to sleep with {$260.00} in my account and woke up to {$12.00} and a text saying my XX/XX/XXXX transaction was updated to {$260.00}. Well, what??! I already paid for that transaction, back on XX/XX/XXXX, have receipts proving that and have never been made aware of any problem with it up until cash app took it on themselves to reach their hand in and take the amount again. Upon some investigating, I see the transaction has been billed not once, not twice but three times, to which they blamed on an internal error saying its been refunded each time and kept saying the amount was double of what I paid and insisting the original charge was for {$530.00}, which now of course it looks completely different just stating there's no problem with the transaction that was " processed in accordance to the payment received and no error occurred so my dispute was denied '', Which is great, glad they finally realized that but then why don't I have my money back they took from me? Once on XX/XX/XXXX and then again on XX/XX/XXXX totaling their {$530.00}? Because {$790.00} was charged to and paid for by me without a word being spoken, an apology given or a refund received. All the photos supporting this will be attached.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the item in question because they found to be illegal and incorrect.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX, I contacted the credit bureau Experian to remove an address that is not mine. They replied the address is connected to XXXX accounts which doesnt belong to me. XXXX account in particular is mine which is XXXX they said it was connected to the address which I called XXXX and its not so I sent over documents for that account showing address. Experian refuse several times to file dispute for address on file also they refuse to file dispute for XXXX XXXX account
Consumer complaint received 2021-01-19
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. (NJ)

I received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.
Consumer complaint received 2023-10-19
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-08-15
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: Monterey Financial Services LLC (TX)

I contacted this company about a account thats on my report that i have no knowledge I never leased anything from MONTEREY FINANCIAL SERVI or XXXX  XXXX XXXX this is a illegal account nd loan type Account XXXX Account typeLease Responsibility Individual Date openedXXXX StatusOpen. {$560.00} past due as of XX/XX/2022. Status updatedXXXX 2022 Balance {$4500.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$260.00} Original balance {$4500.00} Highest balance {$0.00}
Consumer complaint received 2023-03-23
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: HYUNDAI CAPITAL AMERICA (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/ Balance : {$16000.00}
Consumer complaint received 2021-01-19
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. (TX)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.