davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (NV)

On Wednesday, XX/XX/XXXX I was contacted by what I thought a Current representative. During the phone call, the associate let me know that they were calling from Current and there was suspicious activity in XXXX XXXX, Texas. They told me they were going to send me a new card, to which I accepted. They sent me a verification code to which I let them know. After about 10 minutes, there were more charges from my card, sending {$160.00} to an account of a person named " XXXX XXXX '' which I did not approve of. The person who accessed my account, then changed the account email from mine ( XXXX ) to theirs ( XXXX ). There was also two remote logins from devices I do not own, one being an XXXX XXXX XXXX and the other being a XXXX XXXX ( XXXX XXXX  XXXX ). After realizing I was being hacked, I contacted my company 's payroll department, and had them delete my account to prevent any future money coming through. Unfortunately, my paycheck was already finalized for the amount of {$1300.00}. 

For the next few days, I contacted Current by phone, email, XXXX, and XXXX. 
Current does not have any phones at the moment due to COVID-19.  I even went as far to call the company which provides their cards, which is XXXX XXXX XXXX. XXXX XXXX was more than helpful, however they can not access my account. I called them Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX, and Friday XX/XX/XXXX. Each time the representative from XXXX said they sent an email to their contacts at Current as a high priority message. 

Their email support team refuses to help me since my email is no longer on an account, even after providing proof of being hacked. 

On XXXX I provided screen shots to show I was hacked. I messaged them Thursday, XX/XX/XXXX. They replied Friday XX/XX/XXXX to which I replied and have not been responded to. 

On XXXX they never replied to my message. I sent the message on Wednesday, XX/XX/XXXX. 

I am needing those funds that were taken from me, as I am now late on my cable bill and I am due to be late on my car payment and car insurance. I also had to sell stocks through my XXXX  account to pay for my dog 's veterinarian bill. 
Regardless of me being scammed or hacked, the company is FDIC insured, and should be protecting my money and assets at all times. They should have a direct line of contact to prevent ordeals like this and to prevent it from happening to other consumers.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-08-14
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. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
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. (CT)

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PENTAGON FEDERAL CREDIT UNION (MT)

So I have been months behind on my credit cards, my personal loan and my two credit lines from PenFed credit Union. I called them about a week ago, maybe two and the man I spoke to said that I can make two {$100.00} payments to my two credit cards and then call them back and apply for temporary hardship. But after I went to the website, I noticed that my two credit cards were closed and the man I spoke with never told me that. 

I feel that they are a predatory lender, because they approved me for a {$20000.00} loan with my girlfriend as a co-signer. Then I was approved later on for two lines of credit. One for {$4000.00} and one for {$5000.00} And I was also approved also for two credit cards, that are now closed due to being late on payments.. 

My mother had a light XXXX in XXXX so I went down there with my girlfriend. I didn't have paid time off so I wasn't working much when I was in Arizona to go visit my mother and now I'm really behind on all my payments to PenFed and other other places that I owe money to.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Opened checking account XX/XX/year> under {$200.00} checking promotion Bonus not received on XX/XX/year>. Called around XX/XX/XXXX and submitted research ticket. No results of ticket as of XX/XX/year>. 
Went into local branch on XX/XX/year>. Employee checked system and called in to bank of America. Bank refused to honor bonus for not meeting qualifications. I actually did meet qualifications by depositing {$2000.00} from my employer within 90 days of account opening. I regret trusting this bank.
Consumer complaint received 2023-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, I had an unauthorized transaction posted to my Bank of America account, I immediately called the bank and the merchant- XXXX. The merchant told me that there is nothing they can do, that my account was compromised and advised me to contact my bank, and I did. I called my bank to dispute this transaction as fraud. They temporarily credited my account and began an investigation. I explained to them that I did not make this transaction and that this is not first that I have had a fraudulent transaction with this Merchant since the Merchant already had my credit card information saved under my account and as they advised me my account was compromised. As per the Merchant the purchase was shipped to an address unknown to me, it is not my address and never was my address but it was under my name. Again, I did not make this purchase and I do not know what this address is. My provided me with a recent letter stating that after their investigation they confirmed that the merchandise purchased ( that I was disputing ) was provided to an address listed on my account. This is not true because I was able to get the address where it was shipped to when I contacted XXXX and like I said before, this is not my address and this address is in no way connected to me. Therefore, they put the fraudulent credit back on my account. I called the bank back and provided them with the invoice from the Merchant showing that the address was not my address or any address listed on my bank account, and had them reopen the investigation but the outcome is the same, that they are not crediting this fraudulent transaction. I even contacted the shipping company, XXXX, with the shipping information that the merchant provided me and requested that they hold the package but the package was already on the way to be delivered to the address that was on the purchase, which again is not my address and this was not a purchase that I made or authorized. 

I feel that the Bank did not protect my interests as a customer and I should not be liable for these charges since they are fraudulent. They did not conduct a proper investigation, because if they contacted the merchant they would see that the address was never previously on my account on the merchant 's website nor on my bank account.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX balance {$2600.00} shows open with the last payment made in XXXX. This account was paid in full in XXXX and closed. It does not reflect as such on the report. I disputed with Experian and they stated it is accuracys and it is not. 
Experian is terrible about reporting accurate and timely information. The customer service experience is horrific.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I recently noticed some inaccuracies on my credit report and I tried to dispute them with the credit agency EXPERIAN.

I have disputed these items before and they came back verified. Which I disagree with because the other credit bureaus are not reporting the same information or not at all which means it is not 100 % accurate.

I sent in a 2nd dispute asking for proof and method of verification. EXPERIAN sent back a generic automated response for all disputes.

This is really frustrating as I am trying to build my credit and purchase a home and these inaccuracies and negligence from EXPERIAN are holding me back.

Attached is a copy of EXPERIANS response for my request of verification method. It is the same response for each dispute. 
Also attached is my certified mail tracking numbers
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (PA)

I respectfully urge your strict adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to protect the rights of American consumers in matters relating to credit bureaus. Within the confines of this regulatory context, I kindly request Equifax to take the requisite measures to refrain from reporting the ensuing inquiries on my personal information : Inquiry Details : Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested In alignment with the FCRA 's principles, which emphasize the necessity of accurate and equitable representation of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. Your unwavering commitment to upholding the fundamental tenets of consumer rights within the sphere of credit reporting is deeply appreciated. I anticipate your diligent efforts to ensure compliance with the FCRA regarding the reporting of these inquiries on my personal information.
Consumer complaint received 2023-06-20
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
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. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting. 

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

My previous claim XXXX, against creditor USAA was erroneously closed based on USAA making a false statement to CFPB. USAA represented to CFPB that I did not provide the requested front and back of state issued photo identification. Not only did I send the requested front and bank of my state issued identification, but also sent copies of my passport and social security card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX. I anticipated this happening, I'm not sure WHY the CFPB would take the word of the ECOA and FCRA violator without any conformation from the complainant, baffling. Nonetheless, I have attach all supporting documents to prove the validity of USAA declaration that I did not comply with USAA 's request. On XX/XX/2023 @ XXXX, I received a call from XXXX XXXX XXXX XXXX  of USAA and informed her explicitly I would not discuss my complaint with her and she should use the channel the formal complaint was filed with for any response. I then followed up with a XXXX page word document faxed to XXXX, acknowledging her introduction call and not discussing the complaint in any capacity. Those documents are also included with this complaint. At the time of my application my income was {$100000.00}, I've since started my own XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-13
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 the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. Transunion. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 and states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. Any and all consent to Transunion, XXXX, XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states " A financial may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure optionXXXX XXXX XXXX XXXX XXXX  has yet to inform me of my right to exercise my nondisclosure option. Furthermore, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item that the company is reporting without my permission which is against the law. 15 USC 1681 s-2 ( a ) ( 1 ) a states " 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. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to AVOID violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.