davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SD)

I scheduled massages and facials for myself, a friend and our husbands on XXXX. I called XXXX XXXX XXXX and gave them my credit card to hold our spot. 
A week prior to our appointments my friend and her husband were unable to go ; that day I called XXXX XXXX XXXX and spoke with ( XXXX I believe ) and informed her to cancel every appointment, and except 1 facial ( for myself ). She said that was fine. 
On XX/XX/XXXX, I went to the salon by myself and had a facial. I paid for it while I was there ( approx {$150.00} ) and left. 
When I was later reviewing my statement I saw that XXXX XXXX still charged me for 4 facials and 4 massages, totaling {$810.00} on XX/XX/XXXX. 
Citi Bank has reviewed my my case and XXXX is not crediting my account. I refuse to pay for an {$800.00} charge that is not mine, I called and canceled a week prior. And I went to the spa on XX/XX/XXXX for a facial, which you can confirm on my statement. The charge for approximately {$150.00} on XX/XX/XXXX is accurate. The {$800.00} charge on XX/XX/XXXX is not accurate. 
This is a lot of money, I need someone to review. Please review camera recordings from that day? Please let me know whatever i can provide to help resolve my case.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXXXXXX XXXX Capital One Bank sent email that they had put a restriction on my accounts, due to suspicious activity. 
Phones several times and sent many emails begging them to please release my money. No response. 
On XX/XX/XXXX I logged in to check status of account and it showed a XXXX balance. 
Checking further, I saw the money had been sent with an electronic transfer. 
The transfer has not shown up in my XXXX XXXX account. 
Called Capital One to find out where the sent my money. Was told to leave a message and if they thought it necessary They would call me. Before I could say a word the call was disconnected. Called back and got to leaves a message. That was 2 days ago. 
Still no response. Sent private message on XXXX 2 days ago, Still no resonse. 
The amount of money involved is {$7100.00}. 
I am an XXXX XXXX XXXX XXXX and I do not need this kind of treatment as it has caused a lot of stress.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (TX)

Case # : XXXX, Merchant : XXXX XXXX at XXXX XXXX XXXX XXXX TX. When I realized I'd been scammed by an online con artist, I notified Discover ; they issued me a temporary credit and started a dispute. Dispute lasted 6 months, with funds moving back and forth from me to the scammer. Discover said they used arbitration who favored the merchant scammer. He provided no new evidence from the last time Discover reversed the funds back to me, yet they gave him my money insisting they were bound to the con artist 's terms of service of no refunds. I provided tomes of evidence showing the scammer didn't do what I payed for and showing the horrible mistakes he made as he sent me a fake cobbled together document with his worthless opinion of a forged handwriting situation, he charged me a retainer of {$1900.00} when the fee should have been {$400.00} or {$990.00} according to his fee schedule at the time of the transaction. He didn't perform according to retainer but gave me a verbal and written opinion. He refused to give me an invoice or answer my questions once I realized the ripoff. He has virtual offices across the country, hides behind many phone numbers, emails, web pages, is just a master of illusions acting a role with fake props.

He has since changed his website and doesn't publish his fees. He lied about me to Discover in his responses to them. Yet, Discover gave him my money that I did not agree to ; I did not agree or sign on to be ripped off. They essentially gave the rip off artist free reign to rip me off of {$1900.00}. I even sent them Rip Off report where many people have reported the creep for years. They just kept saying they were " bound '' by his terms. It would depend on who I spoke with at Discover ; two people said Discover had a fund they could give me back my money ; even if they couldn't get the money from the " merchant. '' When I told them they said no, that wasn't true, it always depended on who i spoke with. They told me to complain to the attorney general and resolve it outside of Discover, they couldn't do anything for me. It's terrible when a credit card company empowers and sides with a crooked " merchant, '' an enables con games, lies, and thuggery to exploit their cardholders. When they did me like that, I closed my account with Discover. They had no regard for my rights as a consumer. There is something terribly wrong when a credit card does this sort of thing. When I asked them for an explanation as to why they would believe that thug and give him my money in light of all the evidence of the ripoff, they would just say each case is different. One lady did say thought that they believed me and that's why they spent the {$500.00} to take it to arbitration. Yet, in the end it didn't matter as Discover claimed bondage to the merchant and let him get away with ripping me off. Discover didn't care that they lost a customer. I want my {$1900.00} back!
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (PA)

I received a copy of my background report for employment and First Advantage Background Services Corp is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).
Consumer complaint received 2020-04-04
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. (OH)

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon examining my credit report, I identified discrepancies with the following account that are hindering my ability to secure credit. In compliance with the Fair Credit Reporting Act ( FCRA ), I am submitting a formal request for a procedural investigation to verify the accuracy of the reported information. 

Below are the account details requiring your immediate attention : Account Name : XXXX XXXX  XXXX Account Number : XXXX Please conduct a thorough reinvestigation and provide documentation of your findings. If the information can not be confirmed as accurate, I expect its immediate removal from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX  Account Number : XXXX Fraudulent Inquiries : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution. 

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I was scammed in a fake check scheme. On XXXX, I was contacted and told I would receive {$500.00} to be this painters muse. They sent me two checks through email, one of {$1500.00} and one of {$2000.00} ( totaling {$3500.00} ). They told me to XXXX some vendors, for the costs of supplies and the like. 

After I had done so, keeping the {$500.00} I was told was mine, the checks came back as fraudulent and I blocked contact with the scammers. After some research, I immediately contacted my bank and went through the process of filing different claims. 

My bank, Truist, told me because this was an authorized transaction ( i.e. done with my knowledge ), they would not reimburse me for the now negative balance of {$3500.00} in my account. 

My account is now frozen and Im set to travel in less than a week to a foreign country. I desperately need my money back and just want this to all be over. Any help is greatly appreciated.
Consumer complaint received 2023-06-24
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)

Please do not mark as a duplicate. This complaint is intended directly to Experian. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.
Consumer complaint received 2020-09-03
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. (CA)

I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.
Consumer complaint received 2023-06-24
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)

the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.
Consumer complaint received 2023-06-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # 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 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 2023-06-24
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist offers a {$400.00} bonus when opening a checking account. But the online system did not allow me to open an account. It redirects me to go into a branch. When I went into a branch, they said they could open the account for me but I would not get the {$400.00} bonus as advertised. 

This is unfair and deceptive marketing. I have found several other customers online that have encountered the same issue.
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (SC)

I disputed my medical debt with XXXX and XXXX under the AARGON AGENCY INC and they both removed this debt from my credit report due to a violation of my HIPPA rights. XXXX is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to XXXX about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my account.
Consumer complaint received 2023-06-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

On my equifax report theres a dispute remark on my XXXX XXXX  account thats states dispute resolved-customer disagrees. I never disputed this account. I called XXXX XXXX and they said they never sent anything to equifax. Ive called equifax numerous times between XXXX XXXX XXXX. XXXX XXXX said they dont know why the remark is on there and they would remove the remark within XXXX hours cause its hindering me from getting a mortgage loan. Every time I called the rep states the previous rep didnt finish the request. Ive asked everytime to speak to a supervisor yet XXXX will let me speak to one. On XX/XX/2023 the remark was removed and replaced with a new remark stating Consumer disputes - reinvestigation in progress. I called again on XX/XX/2023 and asked why was the previous remark removed yet another remark added. I was told again the previous rep I spoke to didnt complete the request. This last rep I spoke to on XX/XX/2023 named XXXX said last rep didnt complete so he would complete the request and would take 72 hours to remove the remark. I asked will this remove the remark and not add another remark like the last time. He states no and gave me confirmation number XXXX.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We were sued by XXXX XXXX Bank on XX/XX/XXXX by the attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, CA for a title issue that had existed since we refinanced with XXXX XXXX back in XXXX. There was an error in the way title was registered during this refinance. Since both XXXX XXXX and their title company, XXXX XXXX XXXX no longer exists, their is no title insurance company to manage this issue on our behalf. The law suit identifies XXXX allegations with title impropriety as the primary issue. They allege that by taking title in our individual names and then placing title in our Trust we some how placed XXXX XXXX Bank into a secondary lien holder position. It was never our intent to deceive or circumvent paying them when we sell or refinance. We contend that XXXX XXXX Bank could have taken a less heavy handed approach to correct this title error. New documents could have been provided with a letter explaining the oversight and what is required to put things in order. Instead, we have had to engage counsel to protect our property in interest costing us over {$15000.00} to date. 

We reached out to the XXXX XXXX XXXX Recorder, State of California Insurance Commissioner with no success in engaging their assistance or involvement. 

We contend that we never had any intention of not paying XXXX XXXX Bank the mortgage we entered into and welcome resolving this issue at the earliest date possible. We also contend that we are not the only clients who are facing this type of litigation since it places our property into a liz pendens status ( pre-foreclosure ) which places additional financial strain on us and our resources.
Consumer complaint received 2023-06-24
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. (DC)

I am writing to request the method of validation and details on how your investigation of my consumer report was conducted for my dispute initiated on XX/XX/2023 and the subsequent response received on XX/XX/2023. According to the FCRA the only way to legally investigate and validate information in a consumer report is to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer or from any consumer reporting agency when the information was obtained directly from a creditor of the consumer. 
If you followed the law and completed a full, legal, and proper investigation as mentioned above, please send me the names, addresses, phone numbers and documentatation used from each friend, neighbor or associate that you interviewed within 15 days. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D I have the right to request this information. If you can not provide ALL of the requested information within the legally allowed time line, I demand that you honor my dispute request listed below for each item.