davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2022 I used my American Express card at XXXX & XXXX 's XXXX in XXXX, WA. XXXXXXXX XXXX XXXX XXXX  XXXX charges a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I was given an amex gift card as a donation from a family, I am currently a XXXX XXXX XXXXXXXX XXXX XXXX. This card was addressed " for XXXX XXXX XXXX ''. 

I spent money from this gift card on school supplies. 
Someone committed fraud and theft with my card and spent {$750.00}, wiping my account. The inital amount was {$2000.00} and I had spent around XXXX this year. 

I always had this card on my person. I called the XXXX number on the back of the card. I talked to 2 different representatives and they both quoted me different balances. Initially I had seen a {$0.00} balance, but the next day I saw that it had {$50.00}. I called and the CSR quoted me {$50.00} and said she wanted to lock my account. She said she would send me the {$50.00} but didn't even get my address info. She said I needed to call merchants but locked me out of seeing the transactions. After calling back, I had a different CSR who said he could email my transactions so he took my email, address and phone number. I was given a case #. I've lost a lot of money that was donated for my students. I don't know whether I'll get the list by email or if any help at all. They need to care about their customers and make cards more secure. Someone is stealing gift cards in store or at Amex. Someone needs to care. CSRs should be all giving me the same information not confusing me more. I have attached a screenshot I took yesterday before my account was locked, it sounds like more activities happened and I want an updated transaction list.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc. (FL)

So, these XXXX contacted me about a debt. They wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) today about it being from XXXX XXXX. Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for sneakerheads YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe SIMM Associates or XXXXXXXX XXXX a XXXX. Stop harassing me. 

I even attached a screenshot of an email of them begging me to apply. Stop playing with me, SIMM ASSOCIATES. You not fooling people with your fake XXXX XXXX rating but over XXXX complaints with XXXX star reviews and stories off XXXX harassing people who are NOT the debtor you seek. Your XXXX rating needs to be an XXXX, right along with XXXX.
Consumer complaint received 2022-08-06
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. (FL)

Requested fraudulent Inquiry from XXXX XXXX on XX/XX/22 be removed. They requested I upload the FTC fraud complaint I filed. Can't upload the document from their website. Does not provide option.
Consumer complaint received 2022-08-06
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. (FL)

Equifax has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Equifax has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title 15 chapter 94. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Equifax is operating as a financial institution based off of the relationship that they have with financial institutions.

Equifax has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Equifax did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am coming to you for assistance dealing with a Fraud Scam issue. I am a XXXX XXXX XXXX senior citizen that lives alone. I've had a Citibank relationship for 25+ years. I rely on my iphone to pay bills that I review carefully every month. I have minimal computer skills. I have NEVER used XXXX and do NOT have knowledge about it being connected to any of my bank accounts. I was getting a membership with an online dating service : XXXX, when I logged into XXXX I encountered a problem with my XXXX. I enlisted a computer company : Support @ XXXX and a technician fixed the problem. Now I was able to sign onto XXXX. 
Within an hour I received a phone call from XXXX who identified himself as a XXXX representative and told me that my subscription was cancelled, but he would help me reinstate my XXXX account. I agreed to let him help. I do not recall the questions/requests he made of me, however he had me do various transactions with XXXX which XXXX was TOTALLY unfamiliar with. He had me do approximately XXXX XXXX transactions totalling {$8700.00} on XX/XX/XXXX and more on XX/XX/XXXX. He also had me purchase {$3000.00} worth of gift cards.For detailed information please see attachments with Fraud Investigations and Police Involvement.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (NE)

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

I deposited a {$20000.00} check at a Truist ATM on XX/XX/22. This is a regular monthly deposit from my business account at another bank which I have been doing for more than 2 years. On XX/XX/22, an " Exceptions/Administrative Hold '' was placed for an amount {$14000.00} till XX/XX/22. This despite the check clearing successfully from the other bank on XX/XX/22 and the funds already debited. In speaking with Truist, I was informed that this was a Large Deposit Hold for 7 days. When I explained that the check had already cleared and I would be unable to pay my bills if the funds were not released, I was informed that there is nothing that could be done. I was also informed that there was no guarantee that this would not happen again. I understand a hold be placed until a check clears but do not understand or accept why this hold could not be lifted.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also Transunion is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Transunion- XXXXXXXX XXXX XXXX  IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Consumer complaint received 2022-08-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-06
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. (FL)

I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best XXXX XXXX
Consumer complaint received 2022-08-09
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. (NC)

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 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

There is a delinquent account reported on my credit from USAA for approximately XXXX. I was never made aware there was a bill that needed to be paid until I pulled my credit report. I never received any notice by mail, email or phone. When I tried to call to get this rectified I was told they cant do it and to go back to the credit reporting company. 

I have never had a delinquent account with them and again never received notice of an amount or balance on the credit card.
Consumer complaint received 2022-08-06
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. (TX)

I have submitted disputes to Equifax Credit Bureau regarding a false information in my report submitted by an XXXX company in Texas, XXXX XXXX. I submitted a similar complaint against XXXX Credit Bureau at CFPB ( ID XXXX ) and XXXX reinvestigated the issue and deleted the negative XXXX XXXX mark from my report ( attached ). here is details about the issue : XXXX energy all of the sudden flagged an old account with them as a charge off on XX/XX/XXXX - I closed that account on XXXX XXXX after paying my balance. I learned about the XXXX negative reporting from XXXX email alerts. I was never notified by mail or phone that I have a remaining balance with XXXX XXXX from XXXX XXXX itself or any collection agency after i closed my account on XXXX XXXX ( neither they submitted any info to the credit bureaus until XX/XX/XXXX ). I only received communications via email and phone from XXXX XXXX offering a bonus if I came back to them as a customer. I did not open an account with them again and i believe that is why i got the negative reporting all of the sudden on XXXX XXXX XXXX continued to report incorrect information about my account even after I submitted disputes to XXXX and Equifax. Equifax have failed to identify and fix the problem.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/year> I submitted a payment through my Bank of America account for {$500.00} to XXXX XXXX. The amount declined on XXXX 's website and I got a text message from Bank of America to verify that I recognized the transaction. I chose yes to the text message. I immediately checked my Bank of America account and the {$500.00} amount was holding on my account and showing as processing. At that time my balance was showing as {$120.00} including the {$500.00} hold. On XX/XX/year> I checked my account as I knew the hold should have been lifted. I found that my balance was still at {$120.00} but the {$500.00} hold was no longer showing. I noticed my whole account history had been changed from when I looked on XX/XX/year>. When I called customer service I was told that my balance was {$120.00} when they tried to process the {$500.00} and that is what caused the amount to decline. If the transaction declined due to low funds I would not have gotten a text about suspected fraud. 
To show how the account history was distorted there was a XXXX sent on XX/XX/year> and it posted the same day as it always does however for the XX/XX/year> XXXX that was sent Bank of America is not showing the XXXX until XX/XX/year> on my account. Also, the representative that I spoke with ( XXXX ID : XXXX in Arizona ) stated that my account balance was {$120.00} on XX/XX/year> however there is a transaction XX/XX/year> shows my balance at {$79.00} and then they show the XXXX posting on XX/XX/year>. There are just so many inconsistencies with this situation. My XXXX also shows the {$1500.00} deposit posted on XX/XX/year> which is what was reflected on XX/XX/year> when I made the {$500.00} payment.
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681.

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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 USC 1681.

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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-08-06
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. (CA)

Equifax has openly and continuously discriminating against me as a consumer which is breaking the law. 

Pursuant to 15 U.S Code 1681 ( B ) ( XXXX ) Permissible Purpose. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

- I have not granted nor given written consent for Equifax to Furnish my Consumer report. Neither did I grant permissible consent for them to disclose my personal information. I have a right to privacy. 

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; -Equifax has a grave responsibility with fairness impartially and respect for the consumers right to privacy. 

Currently through Equifax they have denied me from being able to view in accurately assess my own credit report through equifax.com
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681.

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 1681 s-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. 

XXXX XXXX- ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681.

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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX