davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (GA)

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.

The letters are stated with items and issues.

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 2024-09-09
Product: Credit 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. (CA)

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$14000.00}, but am unable to get my money back due to CitiBank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with CitiBank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. CitiBank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with CitiBank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. CitiBank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. XXXX XXXX XXXX XXXX is forced to cease operation in Delaware. XXXX XXXX XXXX XXXX faces class-action lawsuit in GeorgiaXXXX XXXX XXXX XXXX AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2023-06-07
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. (FL)

To Whom it may concern. 
My name is XXXX and since XX/XX/2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from XXXX & EXPERIAN. I have not received any response from XXXX, the Tracking XX/XX/XXXXis XXXX XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

I opened my chase account in XX/XX/year>. I've always deposited money into this account. I had never had a bounced or returned check until XXXX of XXXX. I thought I was starting to work as a secret shopper company. I got sent XXXX different checks from somebody and I deposited both of them. One at the end of XX/XX/XXXX and the other one XX/XX/XXXX. On XX/XX/XXXX one of the checks came back altered or fake. And it made my account negative the amount. I immediately went into the branch spoke with a lady and she said they sent check back and my account would be just fine to use. Then on XX/XX/XXXX the other check came back same thing. I didn't know they were fake or altered. On XX/XX/XXXX I received email saying my account had to been frozen. I went into bank and the same lady called fraud dept and they said my account was closed and can't open again which is XXXX. How was I suppose to know I was being taken advantage of? Why not give me a chance amd I did tell them I would report it to police but they said that wouldn't matter. If this is how chase bank treats all their customers then I wouldn't recommend them to anybody!!
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my UCC-11 form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Consumer complaint received 2024-09-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Block, Inc. (OK)

Compromised old phones. Bribed me to work from home as if I didnt remember my log in or sign in to any of my old accounts. I borrowed money from her and her mother. I already paid her due what was owed. Not being fairly generous to accept that coming from me. Using stuff against me to interfere with my children. I did ask for verification of identity. Someone hacked and old property that did not want to return to me. Yet but wanted to talk me out of being responsible for My Children. Using what I was logged into in any of my old phones.
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan of Central XXXX XXXX XXXX XXXX, XXXX XXXX La XXXX XX/XX/year> Dear Gulfco of Louisiana, XXXX Tower Loan of Central, This letter is to formally notify you that this is to serve as my Do Not Call Request and that I have also filed complaints with the ( CFPB ) The Consumer Financial Protection Agency, The State Attorney General and the XXXX XXXX XXXX  based on your aggressive and harassing phone calls to Me XXXX XXXX, my friends and family on all different days, times and hours including weekends and including mail correspondence from your attorneys. Please stop this harassment immediately because it is my right under the FDCPA, TCPA and the FCRA to file a lawsuit in order to collect statutory damages. It is my sincere desire to eventually pay my debt at a future time when it is possible, I am certain my financial circumstances will change and will allow me to again make payments. 
Sincerely XXXX XXXX acct # Please send any future correspondence to my attorneys XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I made a purchase online at XXXX XXXX XXXX for XXXX that same day the purchase was reallocated into two orders one for XXXX and the other for XXXX that equals XXXX the two separate charges has cleared but the original charge for XXXX hasnt been returned as a credit to my account. Why are my funds being held and why Im I being charged double when I make online purchases. I believe that Im being discriminated against because Ive been a customer since XXXX and never had any outstanding fees against my account.
Consumer complaint received 2023-03-20
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)

Pursuant to 18 usc 8, I owe no debt this violation my consumer right to privacy pursuant to15 usc 1681 B 2 company has no permission to report anything using my info pursuant to 15 usc 1681 XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (FL)

My name is XXXX XXXX, and I am filing a formal complaint against Wise ( formerly TransferWise ) regarding the wrongful and unjust closure of my account. I have been a loyal customer of Wise for several years, consistently utilizing their services to the benefit of both myself and their company. Throughout my time as a customer, I have provided all requested documentation, and at no point was I ever informed of any issues or violations that would warrant such drastic action. 

Recently, Wise abruptly closed my account and refused to provide a legitimate reason for this decision, citing vague regulatory restrictions. Their communication lacked transparency, leaving me feeling as though I have been treated like a common criminal without cause. Despite my attempts to appeal this decision and provide any additional information they might require, Wise denied my request to reopen the account without offering any clarity. 

I feel that Wises actions are not only unfair but also damaging to my reputation and financial standing. As someone who actively brings revenue to Wise through regular transactions, I find this treatment unacceptable. I have no issue escalating this matter further, including pursuing legal action, if Wise refuses to provide a just resolution and restore my account. 

Wise is a regulated financial institution, and their refusal to disclose why theyve taken this action is a violation of transparency and fairness principles. As a consumer, I expect to be treated with dignity and respect, especially by a company with which I have had a longstanding relationship. 

I urge you to investigate this matter thoroughly, as I am prepared to take every step necessary to ensure that my rights as a consumer are protected. I look forward to your assistance in holding Wise accountable for their unfair practices and getting my account reinstated. 

Thank you for your time and attention to this serious issue. 

Sincerely, XXXX XXXX Wise XXXX : XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I reached out to COLLECTOR, THEY CAN NOT TELL ME WHAT THIS BILL IS FOR, I ALSO REACHED OUT TO XXXX. THEY DO NOT HAVE ANY OUTSTANDING DEBTS FOR ME ON FILE. I CONTINUE TO HAVE XXXX XXXX XXXX SERVICE AND HAVE HAD THEM FOR OVER 10 YEARS.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (PA)

Ed Finacial allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXX XXXX fraudulently has been going on for years for non credit courses being billed through XXXX XXXX grants. 

I was unemployed and Ed financial took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX accounts.
Consumer complaint received 2024-10-07
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I WAS INVOLVED IN A TERRIBLE XXXX WHERE A XXXX XXXX XXXX HAVE XXXX MOMS CAR AND WAS OUT XXXX XXXX. THE CAR COLIDATED WITH ME HEADS ON. I SUFFERED A XXXX XXXX XXXX HAD TO GET A XXXX IN MY XXXX AS WELL AS A XXXX IN MY XXXX. THE CAR WAS PAID OUT BY MY INSURANCE COMPANY OUT RIGHT. THE ACCOUNT IS REPORTING OPEN WHEN THE ACCOUNT BEEN PAID OUT AND CLOSED OUT IN XX/XX/2020. 15USC 16816 ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

Chime Banking Thursday XX/XX/XXXX at XXXX I used an XXXX Chime service terminal to withdrawal {$100.00} I did not receive my funds .. Chime did not allow me to file a claim until Saturday XX/XX/XXXX, not even 24hr later they denied my claim stating No Error .. they did not follow any Regulation E process to be able to deny my claim in one day .. No Chargeback was completed through XXXX or XXXX .. they were unable to give details of the denial There customer support was not helpful at all stating Sorry we cant help I never received a temporary credit while the investigation was done again in less then 24 hours they denied my claim.. I was hung up on several times and transferred for over 38 mins on Thursday the XXXX as I am still out of my funds with no resolution from CHIME as they have not followed any proper procedures to assist me as there consumer I am very disappointed in this company and would not recommend them to anyone I will no longer be using CHIME Banking service because of there Lack or Knowledge on proper banking and regulation laws They misuse their services and have shown over these last 3 days they dont care about there customers!!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX XXXX .These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

XXXX XXXX Via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

Subject : Urgent Dispute Complaint Regarding Unauthorized Transfer of {$120.00} Dear PayPal Resolution Team, I am writing to formally dispute an unauthorized transaction of {$120.00} that was transferred from my account to one of XXXX XXXX XXXX 's accounts, which was unexpectedly closed. As a result, the funds were never received, and I believe they may have been stolen.

This situation has created a financial burden for me, and I kindly request your immediate attention to this matter. Given that the transfer was made without my consent, I ask that you credit my account for the full amount of {$120.00}. 

I appreciate your understanding and cooperation in resolving this issue swiftly. Thank you for your prompt response. 

Sincerely, Your Name : XXXX XXXX XXXX Your PayPal Account Email : XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Yes I have an unauthorized payment for XXXX. They said something about my device.. I dont know but Ive tried different ways to resolve this and they still arent helping.. they didnt accept the police report from me.. they wanted to talk to law enforcement directly
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

Around XX/XX/XXXX, my XXXXXXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.