davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (CA)

I am filing this complaint against MIB , Inc. for two specific reasons : Unauthorized Sharing of Consumer Information : MIB , Inc. collects and shares sensitive medical information with third parties, including insurance companies, without my explicit consent. Despite requesting that they cease sharing my information, I have received no confirmation or action to stop these practices. I am concerned that my personal data continues to be used for underwriting purposes without my authorization, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide a Consumer Report Upon Request : Under the FCRA, I am entitled to receive a free consumer report from MIB, Inc. upon request. I requested a copy of my report, but they have not provided it within the legally required 15-day window. This lack of response is a clear violation of federal law, as I have a right to review the information that MIB, Inc. holds about me.
Consumer complaint received 2024-08-24
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TN)

XXXX XXXX XXXX program Payments of {$220.00} are supposed to come out of my account every month on the XXXX. Today is XX/XX/XXXX, and {$220.00} has already been taken out of my account causing me to overdraw my back account, which wouldn't have happened if the money was taken on the XXXX because I have payments coming to me from my landscaping work on Sunday and Monday ( XXXX ). 

Payment was taken early, on the XXXX instead of XXXX back in XXXX too, which I wasn't expecting. 

This month, XX/XX/year>, my actual payment date scheduled for autopay, is a Monday and not a holiday or weekend so I'm not sure why this happened. 

People can not have money taken out before the expected and listed due dates and need to be able to plan. 

Screenshots attached showing my account and how it shows the XXXX of every month is my auto pay date. My bank account will not let me take a screen shot to attach of how the money came out today, the XXXX.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. ()

XX/XX/XXXX XX/XX/XXXX, I closed my Chase account and was provided with a cashiers check. 
I traveled to XXXX and attempted to cash the check, but it was declined. 
I had to return the check to the U.S. for cashing. A third party was entrusted to cash the check at a Chase bank and return the funds to me. 
Unfortunately, I never received the funds. 
I contacted Chase Bank in XX/XX/XXXX and was informed that the check was cashed on XX/XX/XXXX. 
Since then, I have repeatedly requested a copy of the check and the location where it was cashed so I can provide the information to the police/detective investigating the matter.
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

I had just opened this account not too long ago! This is the SECOND time they have restricted my card! I got it unrestricted the first time. This time I called and they said its not just the card but the entire account is under review and that they cant provide any further details! I cant use my card and have money in my account that I need to access to pay my bills! I dont like this bank and wish to close my account ENTIRELY! Ill never bank with them ever again! They have locked my card and wont say why besides the account is under review!!! Either unlock my card or close my account and give me MY money
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 XXXX XXXX XXXX XXXX, 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 2024-08-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (SC)

Sallie Mae is the company that is constantly calling. I asked to be put on the do not call/contact list or registry because I did not want contact and the company said they would not respect it. There are so many calls and phone numbers used that I could not list them all at this point. I receive 2-5 calls most days. The company uses several numbers and uses new numbers when I block them.
Consumer complaint received 2024-08-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MO)

This card was purchased at XXXX for a fee of {$XXXX} and loaded with XXXX. The balance can be verified on their site. It has been activated as well and states clearly it can be used ANYWHERE visa is accepted. In reality, it cant be used even at XXXX. The largest retailer in the world. Any online transaction is declined and there is absolutely XXXX customer service. If you call the number on the card you are only led through a useless series of prompts with no agent ever made available. There is no option at all to speak to anyone. This problem is a well known issue with anyone who has purchased this card, after they pay for it and try to use it. The parent company XXXX is equally as useless, and XXXX Bank is at the top ( XXXX ) which is a shame given how well XXXX works.
Consumer complaint received 2024-08-02
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. (MI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

In accordance with the Fair Credit Reporting act Credit Control LLC 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 an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. Provide the name of the charge off creditor and the account number associated with this debt. The name of the last known address of the last know debtor as it appeared in the charge off creditor or debt buyers records prior to the sale of the debt. The names of all persons are entities that have purchased this debt and they copy of the contract evidencing this agreement to this debt. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach 15 U.S. Code 1681q - Obtaining information under false pretenses.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My Amex XXXX card opening bonus points were revoked after Amex paid it. The reason was that there was a refund. After the refund occurred, I did not meet the conditions of the bonus. But Amex didn't revoke the bonus points immediately after the refund occurred. Rather, it revoked the card opening bonus after the promotion expired. This was about XXXX months after the refund. 
Since Amex doesn't have cumulative spending showing, the fact that they paid the bonus makes me think that I've met the payment threshold to get the bonus. 
I think Amex should have at least emailed me to notify me, but they didn't. 
If I knew I didn't meet the requirements, I would have cashed in my points a long time ago. I was a loyal customer for XXXX  years. There is no way I could have made a mistake on purpose.
Consumer complaint received 2024-09-15
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. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist Bank cleared check XXXX for {$2400.00} on XX/XX/XXXX. Truist Bank cleared check XXXX on XX/XX/XXXX for {$21000.00}. Truist Bank cleared check XXXX on XX/XX/XXXX for {$21000.00}. Check XXXX was the last legitimate check cleared on the XXXX statement on XX/XX/XXXX. Truist will not discuss the operations of their system in allowing duplicate check numbers to clear the account. Truist will not discuss the operations in allowing a check completely out of sequence clearing the account either. I have been told this is a Fraud department issue when it should be an operations issue. These checks should have triggered some sort of flag in the system operations. Truist was notified on XX/XX/XXXX of these issues and are relying on fraud rules to dictate an operations failure.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against Citi Credit Card for Unnecessary Charges Dear Sir/Madam, I am writing to formally lodge a complaint against Citi Credit Card regarding an unjust interest charge of {$550.00} that was posted to my account on XX/XX/XXXX. I have been a loyal Citi credit card holder since XXXX, and this is the first time I have encountered an issue of this nature. 
Summary of the Issue : On XX/XX/XXXX, I initiated a balance transfer of {$23000.00}, for which I paid a balance transfer fee of {$710.00}. My intention for the XX/XX/XXXX, statement was to switch to a minimum payment due to a temporary financial constraint. Following customer service advice, I adjusted my payment setting to the minimum payment, but somehow the setting reverted back to the full statement balance. 
As a result, on XX/XX/XXXX, the autopay withdrew the full statement balance of {$22000.00} instead of the minimum payment. Although I promptly corrected the autopay setting, this issue led to the accrual of interest charges. 
To resolve this, I reached out to my local Citi banker, leaving voicemails and sending emails, but received no response. My multiple calls to Citi customer service were met with resistance ; they incorrectly argued that I had made purchases and was never eligible for a 0 % interest offer until I provided proof to the contrary. Despite my long-standing relationship with Citi, XXXX requests to have these unwarranted interest charges reimbursed have been ignored. 
I have attached copies of my bank statements, XXXX confirmation of the 0 % interest offer, and screenshots of relevant conversations as evidence of my claim. 

Sincerely, XXXX XXXX Attachments : Bank statements Citi confirmation of 0 % offer Screenshots of conversations
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Daily for over a length of periods of long time I have to repeatedly go through hurdles with Chase bank constantly having to being deceptive in answering my questions after repeated use of obviously phone services constantly repeating verification processes to annou a d aggravate this place having mail stolen that has debit cards stolen. The same with a XXXX XXXX  XXXX  account that for legitimate reasoning suspended my account and declared I owef a significant amount of money that I didn't owe beforehandd. I want my accounts closed and investagate the use of phone operatoion centers hiring scammers that have counterparts here in USA hacking phones or impersonation of being employees
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.