davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

Citibank has sent me numerous codes to approve account changes.i do not, nor have I ever, had a Citibank account. I contacted them and someone is using my information to try and open or use an account, they would not say which. I have a credit freeze in place with the XXXX credit bureaus since XX/XX/year> requiring my phone number to be contacted to approve credit. I believe this is what happened : the system in place stopped the attempted fraud. Citibank required me to file with you so they could freeze this account. Please advise what I need to do going forward.
Consumer complaint received 2024-09-26
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, opened on XXXX XXXX balance {$64000.00} has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

Car dealership went bankrupt and closed all businesses in XX/XX/year> and filed for bankruptcy late XX/XX/year>. I late found out that Westlake Portfolio Management claimed to have taken over U.S. Auto Sales contracts and I owe them now. I request a copy of my contract. They sent over something else that wasnt my contract. It didnt have my signature or the right amount owed. They started my car loan over and all. I been trying to get Westlake off my credit, I tried trading the car in so It wouldnt hurt my credit but now Im stuck with a car and debt that is not owed by me.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

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 :
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (MD)

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 :
Consumer complaint received 2024-09-26
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. (NY)

I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. ''
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (AZ)

I called Wisely at XXXX on Monday, XX/XX/XXXX, one day after the suspicious transactions started on my account. I reported I had the card in my possession and had several transactions declined the previous day while I was out shopping. I let the representative know which purchases I had made, or attempted- 2 were declined when I tried to make a purchase ( listed below ). 

I made these purchases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined but mine In Addition to my charges, these charges were fraudulently made and paid out to merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My card was deactivated and they sent me a new card. They said the investigation would be pending on the purchases that were made and were paid to merchants already. 

All of the charges below were automatically declined/flagged by the bank before I reported any fraudulent use and the funds were not disbursed to anyone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX About 6 weeks ( late XXXX ) later I received a letter stating the 3 largest charges were not being refunded but all others were refunded. I called them and stated I had not received any documentation about how they came to that decision. 
I received a one page sheet with no specific info other than the charge and the merchant in early XXXX I called again disputing again the XXXX largest charges, for {$910.00}, {$100.00}, {$100.00}. 
In XXXX, I later received a letter that the 2 charges for {$100.00} were now also refunded leaving just the charge for {$910.00}, not refunded despite all other charges on the same days being deemed fraudulent. This charge was deemed " not an error. '' I sent them a letter on XX/XX/XXXX noting all of this ad demanding that they call me, give me more info or refund the funds.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

Aspire Credit card. I was charged a {$41.00} late fee because they say my debit card for automatic payments is expired. When I go to the payments page, it shows my debit card expiration date as XXXX. I could not get a confirmation of a one time courtesy late fee waiver and am told I have to wait for it to reflect on my next statement. 

They have no problem accepting a {$160.00} payment last month with the same card, but when it comes time for the auto pay, the card is magically expired and I'm charged a {$41.00} late fee.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-25
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. (AZ)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Consumer complaint received 2024-09-17
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: DISCOVER BANK (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (UT)

Your front door ran an amex card of the amount of XXXX which they admitted they wrongly ran and even wrote to american express about this at nothing has been done to rectify this situation other then have it get reported on my credit which has ruined me getting anything, The FBI is also involved
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-09-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

US department of Education, was notified on XX/XX/year>, about a loan amount of XXXX, an loan amount of XXXX.I reached to them via postal service wrote a letter to them for not giving me an opportunity to challenge the debt ask for documentation, an to see they used to validate the accuracy of debt.I heard nothing.
Consumer complaint received 2024-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (NJ)

In XX/XX/XXXX, I announced to BMO Harris Bank at the branch office in XXXX, XXXX  my intention to close accounts as the certificates of deposit matured. I moved to XXXX  after my husband passed away, and there are no branches of BMO anywhere near my current location. I explained that I do not use email or text and was provided a passcode to verify my identity with the customer service department at XXXX. 

I called the customer service number on XX/XX/XXXX and XXXX XXXX when a certificate of deposit matured, verified my identity with the passcode, and requested that the certificate of deposit be redeemed with funds sent to me via check. Although I was told towards the end of the second call that a check would be processed, the certificate of deposit was instead renewed. I complained to the resolutions department several times during subsequent calls. I was told on XX/XX/XXXX by the supervisor XXXX XXXX that the matter would be escalated to management and that I would receive a call with the results, but I never received such a call. Note that XXXX XXXX from resolutions also confirmed escalation to management. 

I called XXXX XXXX  to redeem two other certificates of deposit that matured. After providing the passcode to verify my identity, I was transferred to the resolutions department from a representative that was not able to help me with my request. I spoke to XXXX XXXX, who told me that he would not send me my funds. He indicated that the passcode verification was insufficient and that I needed to verify via email or text, which I do not do. He indicated that there was a problem with the address, but I had already verified with BMO ( XXXX ) that there should not be any issue with the address on these accounts. 

On XX/XX/XXXX I sent a notarized letter to BMO requesting that the remaining accounts be closed and a cashier 's check be mailed to me for the funds from those accounts. I received no reply from BMO Bank.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

Starting in XXXX Navient spammed me with multiple calls a day to pressure me into consolidating with them promising it would be easier to handle my loans and that they could help put me on repayment with no fees. I finally agreed and once Navient had me they were often very short with me and gave me limited options and even told me that there was no penalty for putting loans into deferment on multiple calls they told me it was the best option and very easy. I now realize that it was not and that the loans continued gaining interest ( fact that they either omitted ). I attempted to contact Navient but my loan had already been transferred to my new loan servicer ( without my consent ). If I had been given full information I would have most likely made different decisions and my loan balance would be significantly smaller, a portion of it would have even been gone as one of the lenders went out of business. Navient was deceptive or dismissive and also predatory with the amount of times they contacted me and has made repayment difficult. I even mentioned to many reps that I was on a XXXX  leave and they continued to call and pressure me to consolidate.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BSI Financial Holdings, Inc. (NY)

On XX/XX/XXXX I was made aware that my social security number was associated with a mortgage loan through BSI Financial Services that I did not open. I was rejected for a credit line increase with XXXX due to a low credit score and upon investigation with XXXX, I saw that my credit score was negatively impacted by missed payments for a mortgage loan taken out under a name and address that I do not know but with my social security number. 

Details of the loan : Date Opened : XX/XX/XXXX Type : Mortgage Amount : {$29000.00} Responsibility : XXXX XXXX XXXX, Co-signer : XXXX XXXX Terms 30 years Recent balance : {$16000.00} as of XX/XX/XXXX Address associated with loan : XXXX XXXX XXXX XXXX, XXXX  XXXX Upon further investigation into this matter, the XXXX individuals named on this mortgage are deceased. I have found their obituaries online that match the address and names on this mortgage. 

I have filed an identity theft report with the FTC on XX/XX/XXXX : FTC reference number - XXXX I have filed a dispute with XXXX : Case number XXXX ( attached is the response ) I have contacted BSI Financial Services several times with no responses or corrective actions. 

Here is a timeline of the correspondence. 
XX/XX/XXXX - Called BSI customer Service and was repeatedly hung up on. 
XX/XX/XXXX - Email sent requesting that the account be closed ( email attached ) XXXX Dispute results from XXXX received via mail. 
XX/XX/XXXX - Called BSI with the findings of the XXXX report. Customer Service agent took all my information and sent an email to the superior in charge who had the authorization to correct the social security number. Someone would follow up with me with the next steps. 
XX/XX/XXXX - Called BSI to follow up on XX/XX/XXXX discussion. No confirmation or follow-up. received. Agent forwarded my call to " XXXX XXXX '' to whom the email was sent to. Left voicemail. No feedback. Agent could not provide any details regarding the account number because my name was not on the account. 
XX/XX/XXXX - Called CFPB and was instructed to file a complaint on line. 
XX/XX/XXXX - A police report with my local precinct has been filed ( attached )
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

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 XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts off my credit profile from XXXX XXXX XXXX, Equifax. Immediately. 
XXXX  XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

My personal information, such as my I.D, my debit card numbers, social security card and birth certificate, has been stolen and comprised. I reordered my debit card, social security card and I.D . I also went to the police and made a report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (IN)

My credit score went from XXXX to XXXX to XXXX in a week. I looked and it states that I sent in an application for different loans from different companies and I never did that. I got another email today at XXXX XXXX saying my application for net credit was denied.. I received many emails, but I figured it was just spam. Till I actually looked at my credit score. I never even heard of this company. I want this to be taken care of and I am not sure who to reach out. PLEASE HELP!!!
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OH)

I opened a wells fargo account. This was going to be my savings account that I wouid just put money into. I made around XXXX in deposits. My roommates ex friend stole my bank cards, my atm pins, account info and passwords as they were all in XXXX lockbox. As soon as I noticed the cards were gone I contacted wells fargo and canceled my card and told them about the fraud. I had no notification come up on my phone and within a day all my money was gone. I found out later he had hacked into our phones as well. They denied my claim and this was my hard earned money I was trying to save up. He has since disappeared and now I'm left with nothing in my bank account this all happened on XXXX and XXXX from what I believe. This is crazy I need my money back! Please help!