davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

1- Foreign currency It appears that all the transactions were made outside the United States . However, I have not traveled internationally on the dates the transactions occurred. 
2- There are XXXX disputed transactions on page number 1, however, the bank only provided XXXX transactions records. Why did the bank intentionally remove one record from the disputed transactions? 
3- On each of the XXXX records of the transactions provided by the bank there are no records showing that a correct PIN number was entered, it only shows PIN transaction 4- The PIN number of the card was generated and sent to me by the bank ( mentioned on page 2 ). As a reminder in XX/XX/XXXX, it was disclosed that M & T Bank experienced a data breach that became public between XXXX and XXXX of XXXX XXXXXXXX XXXX. The breach impacted data related to at least 95,000 individuals. The data exposed in the breach included names, addresses, and account numbers of M & T Bank customers. 
5- On page number 1, between transaction numbered XXXX to XXXX, we can clearly see that the bank intentionally removed again one transaction going from transaction ID number ending with XXXX to the transaction ID number ending with XXXX. It appears that the bank again has intentionally chosen to hide details of the transaction ID number ending with XXXX which is missing from their records. What are they trying to hide? 
6- On page number 1, transaction numbered XXXX Item ID XXXX, dated XX/XX/XXXX the amount shows {$500.00}. However, on the records provided by the bank, there are no record of the amount of {$500.00} being approved or completed successfully. Again, what are they trying to hide? 
With all the flaws mentioned above, it clearly shows that the bank and its unqualified and dishonest back-office team/ investigators managed to lie about their findings, redacted crucial information, and deny a claim ( without providing relevant evidences ) which they never had the intention to approve it in the first place. 
The bank is violating my rights ( zero liability protection ) and the FDIC regulations.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NV)

XXXX XXXX XXXX and CKS Prime Investments are trying to collect on accounts I do not recognize. I have repeatedly asked for proof that I opened these accounts and authorized the charges, but both companies have failed to provide any full transaction history or documentation showing that I personally opened or authorized any of the accounts or charges. 

During my time on hospice care, many people had access to my devices and accounts, none of whom had permission to open accounts or make charges on my behalf. Despite this, neither company has been helpful in investigating these unauthorized charges or providing verification. Both companies are now continuing to collect without proper verification, and CKS Prime has even re-aged accounts and re-reported them after removing them to avoid verification. 

I can not investigate whether these accounts or charges are legitimate without the full transaction histories and proof that I personally opened these accounts. Due to their refusal to assist, I now request that XXXX XXXX XXXX and CKS Prime Investments take full responsibility for proving that I opened the accounts and authorized every charge. If they can not do so, they should stop all collection efforts and remove the accounts from my credit report.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

This is my second-time requesting 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 right away : XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ;
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (CA)

XXXX XXXXXXXX XXXX dictionary defines the term " defamatory '' the act of communicating false statements about a person that injure the reputation of that person What false statement is Kovo Inc. communicating? 
1. This credit account is open. 
2. This credit account although closed is being reported as open 180+ days past due. 

Are Kovo Inc. 's false statements injuring my reputation? 
Yes. The credit account was paid in full, closed, and never late.
Consumer complaint received 2024-08-12
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. (CA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-13
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. (SC)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX Credit Acceptance on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/year> Inquiry from CREDIT ACCEPTANCE on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I visited BestBuy to purchase appliances ( fridge, washer, dryer, TV and speakers ) for my new home, a purchase totaling {$6500.00}. During checkout, I was offered to sign up for " interest-free '' plan for two years from the store associate, which I accepted. Without explaining what I was signing up for, they set me up for a XXXX XXXX/month payment plan on autopay and said it would be paid off in two years without me having to do anything. After that, I never received a single statement in mail or email for 2 years! All I saw was {$300.00} deducted from my bank account every month. Around XX/XX/XXXX when I checked my bank statement I wondered why the monthly payment still being deducted and called BestBuy requesting full statement history since beginning. After waiting for 2 weeks to finally receive all my missing statements, I was surprised to see that instead of a near-XXXX balance I had been charged a deferred interest amount of {$4000.00} and my statement balance is still over {$5000.00}. At no point in the entire process did the associate explain what deferred interest is, how it works or how it is even different than interest-free. In fact, they were verbally promoting this offer using misleading verbiage such as interest-free and XXXX-interest instead of telling the truth about deferred interest or explaining how I have to pay off the balance strictly by XX/XX/XXXX or expect a {$4000.00} fees in interest on XX/XX/XXXX. Had I known the truth at the time, I would have never signed up and immediately paid off the balance. 

At no point did BestBuy or Citi send me any communication indicating that my promotional period was nearing its end by mail, phone, or email. When I signed up for the card at the store, I had been under the impression that the interest-free promo would not apply retroactively, based on the way the terms were explained at the time of signing. As an immigrant to this country, this is unfair business practice because they are signing up customers for failure using misleading phrases and without explaining what we are signing up for, and the financial burden of having to pay over 30 % interest almost same as the purchase itself is unjust. Lastly, after researching the issue, I have discovered that several other consumers have reported similar experiences with BestBuys deferred interest plans on various online forums including XXXX.
Consumer complaint received 2022-12-03
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. (NY)

On or around XX/XX/2022, I received a text notification from my bank JP Morgan Chase stating that a purchase was made through XXXX. I replied back to Chase through text message stating that the purchase being made was not me. I logged into my Chase account and noticed that numerous purchases were made totaling up {$1100.00}. I called Chase customer service and notified them that the XXXX purchases on the account were fraudulent. Chase customer service froze my account. 3 days later Chase reissued my money. A week later Chase withdrew the money back. I call customer service again asking why they withdrew the money. Chase stated that they did an investigation. Their investigation consisted of calling XXXX. XXXX stated that the items that were purchased were signed and delivered by XXXX to my address. I informed Chase that that was false. I have a video doorbell and i can send them the video footage of the day and time that XXXX stated that the packages were signed and delivered. Chase stated that they can not take the video as evidence. So, I went to XXXX headquarters with all the tracking numbers. I was able to get the addresses that the items were actually delivered to and the names of the person who signed for the packages ( which was not me ). I went to the police station and made a report and gave them all the evidence i gathered. They started their own investigation. I called customer service for about the XXXX or XXXX time now. Informing them with all the new evidence and the police report. Chase customer service stated that the time frame of the investigation has lapsed and they exhausted all their resources. As far as XXXX, I was unable to open up an investigation because I went to a Chase Bank first and therefore they can not help me.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (VA)

In accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. 
But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. 
The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy.

15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission.

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX XXXX. Account Name : XXXX Account number XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

My cash app debit card was used to fraudulently withdrawal {$100.00} from an ATM. I remember very clearly getting a notification on my phone that an ATM withdrawal was declined due to insufficient funds - someone was trying to take {$200.00} out and I only had about {$100.00} in the account .... I was not using an ATM at that time and hadn't realized my card wasn't in my possession so I immediately tried to login and freeze my card so it could not be used. I did freeze it successfully but moments after the confirmation on my screen showing the card was frozen, I got another alert saying {$100.00} had been taken out. I contacted cash app to request my money be returned to me since I'd frozen the card but they refused to do so, citing the fact that it was an ATM that was within the area I lived in... well of course it was! I explained that they should be able to see via timestamps that I had tried to lock the card and had gotten confirmation that it was locked, but then somehow someone was still able to withdraw the money, AFTER I had blocked it, but cash app refused to help me out with refunding the funds.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-09-10
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. (MD)

While in Florida on vacation I was arrested. While XXXX  ( XXXX / XXXX ) with no access to my devices or my wallet, my online banking password was reset and several unauthorized transactions were made. I went in to the bank and notified them and was given a temporary credit while they investigated. I was later told the investigation did not go in my favor and Chase would be reversing all credits and transactions unless I submitted more proof to prove my claim. I have submitted proof of my incarceration to Chase Bank and was told to contact the companies that the transactions were made with and my case would not be reopened. The companies are XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX sent an email saying my card could have been used on another account not related to mine. I have no business or accounts with the other two companies. I sent Chase this email and they still refused to assist with recovering the stolen funds. The other companies don't have working phone numbers. Chase has again asked me to contact the companies to try and recover my funds. On XXXX, Chase has contacted me with the recovery department asking if I have the money to make my account current. I notified the recovery about the current issue and was sent back to the fraud investigation department. I was told my case would not be opened and the customer service reps refused to give me last names or numbers to help identify who I was speaking to. I was told it is recorded on their end in their records.

I have two Chase Bank accounts and both have a total negative value of XXXX XXXX can see that the transactions have nothing to do with me but refuse to give me account names that my card was added to. 

I have no business with XXXX or XXXX XXXX XXXX. I don't gamble and hope you have a way to contact them.

This whole experience has been extremely disappointing and frustrating. I am disappointed that Chase Bank did not protect me as a consumer and refusing to help me after the fraud is throwing salt in the wound.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and XXXX, all legal documents and proof of sworn affidavits have been given to Equifax and they have failed to comply with removal of all items within the four business days.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
NSS : XXXX SECURITY FREEZE