davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO (PR)

1. Bank refuses to provide access to account statements in violation of the Truth in Savings Act. Bank blocked online access and will not provide an accounting. 

2. Bank refuses to process disputes regarding unauthorized transactions on account. Because the bank blocked access to statements, a timely dispute can not and could not be filed. 

3. A deposit of {$40.00} was mailed to the bank. Bank rejected the deposit, but only sent {$34.00} back.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

Re : CitiCard VISA complaint Citicard refused to dispute online fraud from XXXX & XXXX ( XXXX ). In a charge posted XX/XX/2019, it said they don't do " quality control '' over rentals such as the one I'd reserved in XXXX, PR. To be clear, a receipt was provided for 700SF room and no one disputed it was switched for 200SF received. XXXX   disconnected 3 calls during my initial check in and then later argued I'd stayed, so there's nothing left to argue about. CITI knew I believed a pattern of fraud based on several reservations made, most were falsely advertised, but they refused to find fraud in that case. 
Now, another charge for rental in XXXX led to discovery of several specific misrepresentations that called for XXXX 's Book   with Confidence guaranty ( like XXXX, it claims that once their " dedicated team '' gets in the loop, you're protected ), meaning they're obligated to investigate misrepresentations and relocate the victim of this kind of sophisticated fraud at their own cost. 
To be clear, my rental now was for XXXX through XXXX, but once inside we realized the fridge defect was known prior to our arrival yet undisclosed, airconditioning was admittedly misrepresented on review, bug infestations revealed issue, and dog nuisance was on premises and well known yet lied about to me during lead up to check in. So condoning lies as modus operandi at XXXX was means of nullifying my real time claim for Relocate on XXXX. Since then, it simply sends anonymous emails declining knowledge of anything wrong, ignores calls for administrative interaction, and sending surveys for its " dedicated team '' as if that type response in his particular setting were not creepy So over {$980.00} inXX/XX/XXXX& {$2200.00} was charged where clear evidence of fraud from getgo was present and withheld even after disclosure of bad actors came out. But in both cases, the reservation agency after faking amenities present engaged on obvious lies to perpetuate the illusion that Relocation was not called for. How do we get an independent review of CITI 's resolution procedures to show its deliberate indifference toward crooked billing parties ( XXXX, XXXX )? The AZ Attorney General Complaint CIC # XXXX released the prior complaint at XXXX after documenting with no outcome. Fraud must be addressed for what it is and stopped. CITI must be called for its complicity in this ongoing criminal activity
Consumer complaint received 2023-03-21
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX to XXXX XXXX CFPB complaint # XXXX. 
I received my credit report by TransUnion by mail and indeed their investigation did not fix anything on my credit profile so today I am writing a complaint to fix the inaccurate information and asking for the CFPB to ensure that my rights are not being violated once again by transunion I am writing to file a formal complaint against Transunion a major credit reporting agency, against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX The following Are in error Phone Numbers XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Addresses are listed below XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX, XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX Pa XXXX These inaccuracies are not only damaging XXXX creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-10
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: JPMORGAN CHASE & CO. (PR)

currently i have been trying to relocate my family, however i have been abruptly halted due to issues with my credit. a couple accounts that i am not aware of are on my report. im not sure how this could have happened but, it has held me back long enough.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

I want to report a possible scheme of fraud by Equifax. 

When you get a report from Equifax thru XXXX, you must create an account with Equifax in order to submit a dispute. If somehow your access to Equifax get blocked, they are unable to unlock it no matter if you confirm your identity thru their authentication process. Their authentication process is one customer service rep asking some questions regarding your credit history. 

Even when you answer all the questions correctly, they are unable to unlock your access. HOWEVER, they try very hard to convince you to purchase a monthly subscription to get access to your credit report and the ability to submit a dispute. Their selling pitch is " if you purchase the subscription, you will have complete access to your credit file ''. 

Clearly, this is a concerted scheme, to deceive customers to pay for something they can access for free. And the element of fraud is in their supposed inability to unlock an access. It seems incredible to me that they can not unlock an access to submit disputes, but if you pay the subscription, then they can give you access to submit disputes. 

When you go to the Equifax XXXX XXXX, you see a lot, and I mean A LOT of similar complaints. Equifax practices must be investigated with urgency.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NE)

i have a few different cards on my account that were opened and used without my knowledge. they were closed before i even know they were being used, i have no idea who opened them and ive already delt with the problem of identity theft but the companies are not willing to take the cards off of my name or even open them back up and allow me to use them. i would like for those cards to just be taken off my credit report so i can open cards in my name without negative assesment that were unknowingly brought on to me.
Consumer complaint received 2024-06-17
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. (DC)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX 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 2019-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

did not submit a properly the money transfer to a credit card. 
does not have the wire transfer amount ready. from the california lottery. 
XXXX union bank of california XXXX, calif. XXXX www.usa.gov
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GU)

They are quick to send you delinquent notices and reminders about payment due. When you make a payment, they are very slow to post to account. While the payment is sitting there ready to process, they are more concerned to send notices out that they have not received a payment and quick to add interest, without looking that there is a payment ready to post. They are oblivious to this!
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon nor did I sign an agreement. A legal contract is has two signatures of both parties and I did not participate in any of it. Furthermore this debt collector didnt follow the proper 5 step validation procedure which then makes this unfair practices. So, according to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (PR)

last XX/XX/2019. On my own I write because I disputed an account on my credit and I did not receive any response. Then I received a letter letting me know the account will be removed. At this time on XX/XX/XXXX, the account continues on my credit report and I try to removed but do not have reponse or deleted the account. SYNCB/SAMS continues on my credit report even they agree to deleted on XX/XX/2019.
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (FL)

This was the offer I was supposed to get : Get a {$50.00} or {$150.00} Visa Reward Card* After you open a NEW REGIONS checking account and fulfill all requirements of the offer! 

Register Now XXXX XXXX thought you might like to take advantage of this great opportunity with Regions Bank. After you complete all requirements of this offer, you will each receive a Visa Reward Card. 

HERE 'S HOW TO EARN YOUR REWARD CARD : See Full Terms & Conditions Within 90 days of this communication : 1. Click here to complete and submit the required registration form and accept the Terms and Conditions of the offer 2. Open a new checking account with a Regions Visa CheckCard, and keep the new account open and in good standing for at least 60 days Then complete all of the following steps : For a Personal Checking account, within 60 days of account opening : Have at least one ACH direct deposit ( such as a recurring payroll or government benefit deposit ) of {$300.00} or more Complete at least 10 Visa CheckCard purchases that post to the account Sign up for Online Banking with Online Statements ( if you do not have a Social Security or Taxpayer ID number to enroll, visit a branch to see if you are eligible for other enrollment methods ) Get your {$50.00} Visa Reward Card in 46 weeks after all conditions have been met! 
For a Business Checking account, make an initial deposit of at least {$500.00} within 90 days of this communication. Then, within 60 days of account opening : Complete one Visa Business CheckCard purchase that posts to the account Sign up for Online Banking with Online Statements ( a Social Security or Taxpayer ID number is required to enroll ) Get your {$150.00} Visa Reward Card in 46 weeks after all conditions have been met! 


THEY CLAIM I FULFILLED THEIR REQUIREMENT BUT SAY THEY LOST MY REGISTRATION AD WILL NOT GIVE THE BONUS THEY OFFERED
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

Receivables management systems keeps trying to collect a debt for XXXX XXXX that I dont owe, the policy was canceled on time and there were NO premiums due they put this against my credit without even verifying if its owed, I called them several times and told them there is no money owed but they just ignore you and keep harassing please fix this before I sue this company
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PR)

During last year someone open 3 American Express under my name. They open also a checking account under my name. Apparently payments where made. When I realized I notified AMEX. AMEX wrote a letter attached notifying me that I own the money to them. 
They have also submitted those account to a collection agency.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

I am writing to report a distressing incident regarding unauthorized account activity and threats made by XXXX, a subsidiary of XXXX XXXX. I have been a victim of fraud and identity theft in the past, and it appears that my personal information has once again been misused to open an account without my consent. I kindly request your assistance in resolving this matter promptly. 

The unauthorized account in question is associated with XXXX XXXX and was reported by a company named Credit Collection Services under file number XXXX XXXX XXXX. I was completely unaware of this account 's existence until I discovered it on my recent credit report. To my dismay, the account is negatively impacting my creditworthiness and causing undue stress. 

In an effort to rectify this situation, I reached out to XXXX directly to explain the issue and request immediate action. I spoke with a representative named XXXX, who regrettably failed to provide the assistance and support I had hoped for. Instead, she informed me that I was responsible for making payments on a phone that I neither possess nor require. This demand from XXXX places an unfair burden on me and exacerbates the distress caused by the unauthorized account. 

Given my previous experience with fraud and identity theft, I am deeply concerned about the potential implications of this unauthorized account on my financial well-being and personal security. I have taken all necessary precautions to protect myself from such incidents, including regularly monitoring my credit report and being cautious with my personal information. It is disheartening to find myself entangled in such a situation once again.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (PR)

In XX/XX/2019 I ask for a credit report form XXXX  and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX  and they fixed ; however XXXX did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use XXXX  credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX  show that all my history payment is good. 

Hope you can solve it because my credit its been affected by that error.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.