davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

XX/XX/2023 I went to my bank CITIBANK upon request of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$1200.00} ; 2. Deposit the amount of {$1200.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

XX/XX/XXXX, I went to my bank CITIBANK upon request again of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$620.00} ; 2. Deposit the amount of {$620.00} as stated on the Cashier 's check into his bank account at CITIBANK. 

The moment I learned I became a victim of a rental fraud I contacted the bank and spoke with several departments including fraud, checks, customer service but all told me I have to go personally to the bank to report the issue. 

When I personally went to the bank to report the incident, I was told that the bank can't do anything about this situation which happened.
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I have received information regarding a debt that is being claimed against me. 
I.C. SYSTEM, INC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. 

- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. 

- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. 

After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards.
Consumer complaint received 2023-06-18
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: Southern Management Systems Inc. (PA)

Good Afternoon, This is a follow up to my previous email in regards to my claim with Southern Management. I spoke with the Leasing Manager XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX  as stated on the letter sent to Southern Management. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in room A. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This complaint is in reference to existing CFPB complaint XXXX. On XX/XX/2023 I contacted Bank of America Fraud Dispute Department and requested copies of the evidence the merchant provided to the bank so I can review their evidence and challenge, but the bank has refused to send me the requested documents. Bank of America is also using the same flawed automated fraud filter for deciding all fraud disputes. See CFPB XXXX XXXX XXXX. XXXX.
Consumer complaint received 2023-06-19
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 more than 7 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 2023-06-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern.. 
My name is XXXX XXXX and I am a victim of identity theft. As a result of XXXX XXXX XXXX data breach which occurred in late XX/XX/XXXX, my personal information, including SSN, were compromised and fraudulent access was gained to my JP Morgan Chase bank account. In additional to other fraud with this checking account which has been resolved, {$30000.00} was taken from my bank account. I notified JPM Chase within a week of the fraud but they are saying that, because I did not close and reopen the checking account after my previous existing account fraud, they are refusing to refund the money stolen from my account. This is not something I was ever told to do and, honestly, seems like a protective measure they should have proactively done for me in the first place to prevent further fraud. I have requested they listen to the calls to see whether I was even told to do this but do not know whether they are doing this for me. Furthermore, they are stating the $ XXXX was taken out more than 60 days after the time the previous fraud was reported to them but, from my perspective, these are separate incidents with separate time frames. 
We have followed the proper procedures in disputing with JPM Chase bank and they have been unhelpful thus far. I have spent countless hours, fruitlessly, attempting to retrieve my money that they allowed to be stolen. I have sought the assistance of Detective XXXX XXXX at XXXX Police Department in New Jersey, who said he would subpoena the phone and ticket records from Chase, but he has not returned any of my multiple attempts for follow up. 
Below are the series of events : XX/XX/XXXX First unresolved fraudulent charges withdrawn from my Checking account XX/XX/XXXX Identified the fraudulent charges and notified JPM Chase XX/XX/XXXX Received the official claim forms from Chase. Signed and dated the same day and faxed back to Chase XX/XX/XXXX Received first letter from Chase bank denying the claim XXXX I called Chase to reconsider the denied claim. They said they would reconsider. 
XX/XX/XXXX Received another letter from Chase saying the disputed transactions would remain on the account and the claim was denied. 
Between then and now I have spoken to Chase many times without resolution Because JPM Chase bank is not following their own regulations for fraud resolution for money taken from an existing account, and my local police have been unhelpful so far I am seeking assistance from your organization.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.
Consumer complaint received 2023-06-19
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)

I went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NC)

I called discover about approximately 6 months or more ago a reference to getting a lower interest because of my good payment history rate they lowered my interest rate but then was charging me two separate interest rates on the account I strongly feel that this unfair because this is a continue charge account and even if I'm paying more than what the principal amount is due More than 80 % of my payment is going towards nothing but interest this will not bring the balance down at all The amount paid towards the higher interest rate principal balance was less than {$10.00} and less than {$20.00} on the lowest interest rate principle I strongly feel this is unfair because this is a continuing charge account there should only be one interest rate on the account not two or three this is unfair because the balance is only {$3200.00} dollars this means that I would pay more than {$3000.00} in just interest on a {$3200.00} principal balance I strongly feel this is targeting no income people intentionally to get money from them and take advantage of people with poor scores that is trying to rebuild their credit
Consumer complaint received 2023-06-16
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: TD BANK US HOLDING COMPANY (NJ)

I have previously filed a complaint with td bank, and it was initially resolved. Now the charge is magically back on my CLOSED account, and Im being mailed paperwork saying Im late on my payments ( for a charge that was deemed fraudulent ), and Im being charged interest and late fees. Im enclosing photos of all paperwork explaining the previous complaint and current billing paperwork Im receiving. I have reached out to td many many timEs, both on the phone and in person. On one such occasion, the representative on the phone actually suggested that I just pay the charge. This is unacceptable, and needs to be resolved immediately.
Consumer complaint received 2018-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I co-signed on one of my daughters student loans and this loan is up to date. However, she has three more loans in her name only that are starting to get behind. Since XX/XX/2018, they have called me 16 times but will not leave a message. They have called 11 times from XXXX XXXX XXXX XXXX, ( XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 times from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) so far. My daughter has sent them a certified letter asking that they not to contact her family members, job or her neighbors ( they have her telephone number ).
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-06-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (NE)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

I received two bank-wires via Wells Fargo from XXXX from one individual in XXXX for purchase of a product- a XXXX. The buyer asked me to cancel the order and to refund his money as I was in the process of sending the instrument but stopped it in time. The total cost of the XXXX  was close to {$5000.00}. He sent me two wires 14 days or so apart for {$3400.00} and then again for {$1500.00}. I told him I would happily return his money but because I was a little suspicious agreed to reverse the wire and send the funds back to the original sender. Which I did by telephone and completed with two confirmation numbers. Two weeks later the buyer said he had not received the money. I called Wells Fargo 4 different times and was told 4 different reasons as to why NO ACTION HAD BEEN TAKEN toward refunding the money. Culminating in one final call yesterday the person stated they had no record of the confirmation numbers and that I would have to go in person to a WF branch as wire reversals could only be done in person- this response entirely different from the other 4 calls. The WF branch near me is by appointment only and the next available date is 5 days from now. The banker had no explanation how I could have gotten four other misleading answers.