davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2024-07-29
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. (SC)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review.

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (SC)

I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was a victim of identity theft I did not open this account it is not mine I have no knowledge of this account and I have received no credit or equipment for this account it's a corporate account I did not personally guarantee it and I did not authorize it to report on my personal credit Business accounts on personal credit reports I'm not allowed unless there's a personal guarantee which I did not authorize in any way shape or fashion this company failed to notice the memo on my credit reports before issuing credit that says I was a victim of identity theft into contact me before issuing any credit under my name so therefore they are at fault for this as well so if this is not deleted are the five business days as it is required under FCRA in federal laws I will be filing arbitration in following Will be a swift litigation this is irreparably ruin my reputation make my credit my Bility to turn to grow in and operate in this tough economy and is causing great pain and suffering to my family of XXXX so under the provisions of the FCRA that protect me and state and federal laws and requested that this be immediately deleted I'm attaching my FTC report and all relevant data
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Amex practices FRAUD. I have an unauthorized charge on my account for {$8200.00} charged to my account on XX/XX/2023. Amex refuses to suspend or even investigate the charge. They outright violate consumer rights and the law. The case is simple, I never authorized the charge and never received any goods for it. There is no signature or no delivery or order information for it. The issue is Amex. They continue to XXXX me for payment. I have over XXXX recorded calls from them demanding payment when they REFUSE to investigate this unauthorized charge. This is illegal and they MUST BE SHUT DOWN.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America refused to give me my XXXX XXXX XXXX miles that I was promised if I spent {$3000.00}. I spent over {$3000.00} in the first month of having my credit card. They lied to me and my wife and said they mailed us the promotional details. We both opened the mail together and neither of us found the promotion but we remembered we had to spend {$3000.00}. So we spent {$3000.00} from the day we got the card on XX/XX/XXXX to XX/XX/XXXX. They refused to give us our bonus because they said we were short {$11.00}. They told us they charged a {$95.00} fee and they didnt include that in our spending. If they wouldnt have put a {$95.00} charge on there, we would have spent the {$3000.00} because that's all we knew about the promotion was to spend at least {$3000.00}. XXXX XXXX sent and email on XX/XX/XXXX and said we didnt spend our {$3000.00} so she refused to give us our bonus. She refuseed to be professional and realize that they made a mistake and caused us to lose this bonus over {$11.00}. not {$3000.00}. She never every apologized or acklnowledged that she was wrong, she was rude and condensending. I reached out to the CEO of Bank of America and he ignored all my emails. He Never called me back or emailed me back either. They do not care about their customers!! Theyre mottos is " the bank if always right, the customer is a liar ''. Bank of America never sent us details about the promotion until XX/XX/XXXX -- after we requested the promotional details. That was 6 months too late to send us the details So, due to the dishonesty from Bank of America, we closed both of our credit cards out by XX/XX/XXXX. Then we got a letter in the mail XX/XX/XXXX stating " due to the account being closed, the mile rewards were forfeited. They continue to lie, they had a lawsuit put against them last year for withholding rewards. Do we need to seek legal action as they are doing it again by withholding information??
Consumer complaint received 2024-07-29
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. (MA)

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.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (CA)

I started a {$8000.00} Citi Flex Loan since XX/XX/2024, it was supposed to be a XXXX installment plan. But the amount ended up showing in my monthly statement 's " Adjusted Balance '' contains repayment of more than XXXX  or XXXX  installments. I have no choice but to pay off more than the agreed monthly installment, in order to avoid late fees being charged to my account, while still paying all those interest rate of my loan.

You can see from my credit card statement, under " Citi Flex Plan Details '', the " payments remaining '' for Plan # 6 Flex Loan drops from XXXX XXXX XXXX during XXXX etc... I ended up clearing the {$8000.00}, XXXX-installment Flex Loan plan in less than 6 months. It doesn't make any sense at all. 

I was also desperate to get help from their customer service hotline. I once called them, described my situation to them, and you know what the rep said? She said I should be happy that I am finishing my loan repayment earlier.
Consumer complaint received 2024-08-13
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: AMERICAN EXPRESS COMPANY ()

Received {$370.00} Amex prepaid e-gift card on XX/XX/year> after winning a student competition. Unfortunately it is near-impossible to spend the card both online and in-person ( tried at several dozen websites/stores in both XXXX and the XXXX ). After trying to use the card on and off for several months, found out that the card was locked on XX/XX/year>. Opened case with Amex by calling their support number. Amex said that the card was locked for fraud, and customer support agent contradicted herself multiple times when guaranteeing a response time. She said that the case would be resolved within 30 days initially, but then switched to 60 days later on in the conversation. Additionally, she provided no help when it came to understanding how the case process worked and my difficulties before with trying to spend the card. This issue has been well documented by other people who face faced significant difficulties in accessing the card, while is immoral and scummy to consumers given how difficult it is to spend the card.
Consumer complaint received 2023-07-19
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

I am writing to file a formal complaint against CREDIT COLLECTION SERV, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : CREDIT COLLECTION SERV has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ).

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. CREDIT COLLECTION SERV placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : CREDIT COLLECTION SERV has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices.

Violation of New York XXXX Statute of Limitations : The statute of limitations to collect this debt in New York XXXX  has passed. According to New York XXXX laws, the statute of limitations for debt collection is three years. CREDIT COLLECTION SERV is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights. 

Additionally, I am disputing owing any and all debts to CREDIT COLLECTION SERV. Furthermore, I am revoking all rights of CREDIT COLLECTION SERV to communicate with me through email, text, or calls.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

Maybe not a complaint, more so bringing awareness because I honestly don't think they know how hyphenated names work with XXXX. The Navy Federal location in XXXX, XXXX forbid me from getting a replacement card in person until I updated the name on my account to match my DL. When I married, I hyphenated my last name. This means I kept my last name and added my husbands on behind it. Women hyphenate their name for many reasons in my case, it was the perk of not having to go through the hassle of updating previous titles in my name. For some reason everyone there is saying the " legal name change '' requires proof of marriage and to update the name on my accounts with them before I could get a replacement card issued. I called the customer service number and they called the branch and was as shocked as I was. He said this is not a normal practice, only the location here and the bank manager set this policy. I went back to the location and tried explaining to XXXX different people, but they all said the same thing, I would have to update the name on file before getting a replacement card. No big deal, but it seems they are unaware and need training around this. At the most showing a marriage certificate is understandable but requiring me to update my name is a bit extreme.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I was charged {$99.00} a month from credit repair company that I have no knowledge of. Apparently this has been going on since XXXX. I reached out to the company and theres no one that you can talk to its a robotic recording so I called navy federal, reported it, and they issued me a provisional credit for XXXX payments. Then navy federal turned around and reversed the payments and only credited XXXX payments. They said that I was responsible for checking my account and they cant do anything past 60 days. My issue is that Ive been a victim of theft while my money was supposed to be secure in navy federal credit union. I live in XXXX  and in XXXX someone was able to walk into a navy federal branch in XXXX  and withdraw {$3000.00} from the teller. I did receive my money back however since then Ive had to replace numerous debit and credit cards. Even today after reviewing another navy federal credit card of mine I saw another set of monthly unauthorized charges that started in XXXX around the same time as the incident that occurred in the XXXX  branch. The person that I spoke with started an investigation. Navy federal has a policy that anything further than 60 days is the consumers responsibility but who is holding them accountable when the consumers accounts are compromised repeatedly. I want my {$500.00} that they took back.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: KEYCORP (OR)

Dear, CFPB In two consecutive months after sending the my payment on the first of the month for a due date of the XXXX of the month. The Bank hold on to the check and cash it the after the grace period and charge me a {$30.00} fee. When trying to make a payment over the phone ( XX/XX/XXXX ) the instructed me to go to their website and authorize and external account. 
I made such phone on call on XX/XX/XXXX, them they asked me to wait until the deposit micro-transactions on my account, I got the micro deposits on XX/XX/XXXX, I called today XX/XX/XXXX and told me they still can't take my payment -for up to 4 more days- because the system can not take my verification yet. On XX/XX/XXXX and XX/XX/XXXX I had to take time off at work to be in the phone for about XXXX, I was transferred to XXXX different people today until a representative told me they can't take my payment yet. 
This is a blatant delaying technique in order to harvest late fees. 


Thanks.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 I wired {$50000.00} to XXXX. an associated company or partner with XXXX XXXX XXXX who appears to be a XXXX investment scam promising a rate of return from 2 % to 5 % PER DAY for invested sums. I wired XXXX to XXXX. as directed by the " company service '' of XXXX who was to give the XXXX to XXXX to begin earning interest. the XXXX acknowledged receipt of the XXXX after about 8 days and put it into the " mining pool '' where is began earning interest. A few days later, the " customer service '' demanded I put in ANOTHER XXXX or I would be taken off the mining pool. They then said I should request my XXXX back from XXXX, Inc.and that XXXX, XXXX would " cooperate '' and refund my money. 
I contacted the Bank of America 's manager. XXXX XXXX XXXX of XXXX Ca, branch on XXXX XXXX and he made a request for wire return. I followed up with another visit and was told the BofA ; s " wire department '' is handling the matter. It has been a month now and still no answer. The account I wired the money to, XXXX XXXX XXXX is also a BofA account. 


I have asked the Bank of America to request a refund of my {$50000.00} but the wire Department states their department is getting no response from XXXX XXXX, the recipient partner of the mining pool scam.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

This company Credit Services has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without fisrt trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. 

I submitted to Credit Collections services a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Credit Collection Services eill be name as litigants in my upcoming FDCPA / FCRA lawsuit.