davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

YOU NEED TO TREAT NE LIKE I AM YOUR CUSTOMER!! 
Listen to recorded call AT FRAUD DEPT. around XXXX XXXX  - XXXX XXXX  XXXX XX/XX/year>. XXXX!! While reporting FRAUD he tries to hang up on me. I HUNG UP AFTER HE SAID HE WAS GOING TO " DISCONNECT THE CALL '' FOR NO APPARENT REASON. I was trying to verify things with him & he kept trying to talk over me. Then decided he was going to hang up. Get back to me over his absurd lack of service. I need something escalated so if the escalations dept. could get back to me by email that would be best. I'm still going to request a male agent because that's my preference, but this is RIDICULOUS!! I'm getting charged for a fraudulent crypto transaction that was created by scammers. The funds were already reimbursed. Now I'm getting re-charged because they probably made up some fake reason why I " owe the funds '' - they've locked me out of my account permanently!! " XXXX  '' probably the biggest crypto scammer in the U.S. because they spend a lots of money on fake ads including at the XXXX XXXX & no one has stopped them. They are committing MAJOR FRAUD & I'M NOT PAYING THEM ANYTHING!! I've already been charged over {$200.00} in the past few days because I supposedly " owe the money '' back to them for FAKE XXXX PURCHASES??!! NO - I DON'T!! Get back to me A.S.A.P. about all this & listen to the phonecall. AND refund the unsafe ride that XXXX tried to " offer '' me with a driver who wanted he to run across 3 lanes of traffic. I refused to get into his vehicle & the charge is STILL ON MY ACCOUNT for {$13.00} XX/XX/year>!! REFUND IT!! NOW!! They aren't even going to get a cancellation fee for THAT ONE!! The CFPB complaint with # XXXX is about XXXX. You can view that as well. But you aren't giving ANY SCAMMERS MY MONEY!!!!!!!!!!!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (GA)

A person impersonating themselves as a member of the Charles Schwab XXXX XXXX contacted my wife via phone on XXXX XXXX, 2024 at XXXX EST. After obtaining information regarding our bank account through a series of text messages and calls disguised as official Charles Schwab communications, XXXX wire transfers took place for {$300.00} and {$9200.00} from our bank account. Once we realized the fraud took place, we contacted the XXXX  department of our bank ( Charles Schwab ) at XXXX the same day. The Charles Schwab XXXX agent, XXXX XXXX, was able to trace the funds to the receiving bank, XXXX XXXX XXXX XXXX, with a corresponding account number, name, and address in XXXX, XXXX. We were contacted by our Charles Schwab XXXX XXXX agent, XXXX XXXX XXXX , the morning of XXXX XXXX 2024 to file a report with the FBI and to request our funds back from XXXX XXXX XXXX . On XXXX XXXX, 2024 we were informed that XXXX XXXX denied our claim to receive our funds back because 'the funds were no longer available '. This is grossly unjust. My wife and I are hard working, law abiding citizens with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and are now left financially vulnerable because of a criminal. The lack of protection for US citizens from these huge financial corporations is saddening to say the least. PLEASE help
Consumer complaint received 2018-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My membership on experian site reports my credit score to  be XXXX ( in line with XXXX and XXXX who reports it to be XXXX and XXXX ). 
Experian reported my credit score to my bank ( XXXX XXXX ) as XXXX. 
The 2 figures are way apart. I have tried phone connection and on line disputing this issue with Experian in vain. Difficult to communicate efficiently with them.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (OK)

Improper Debt Collection The credit union froze electronic account access and disabled electronic services after I became delinquent on a Navy Federal Credit Union. hut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions that I could take online was to make payments on the overdrawn accounts, which I paid in full XX/XX/year>. I was given no advance notice. 

Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. 

Correct debt collection practices
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I hope you are doing well. I am following up to address the ongoing issue of fraudulent items on my credit reports. Despite my previous efforts and providing substantial evidence to support my claim, these fraudulent items continue to appear on my credit report. This persistent issue not only undermines my financial credibility but also calls into question the integrity of the credit reporting system. I request a thorough investigation into these fraudulent items and immediate action to remove them from my credit report. Accurate and fair reporting is essential to maintaining the integrity of the credit reporting system. Therefore, I seek your assistance in removing these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc. (OR)

I received a call shortly after XXXX XX/XX/2024 from a gentleman who identified himself as XXXX from Professional Credit Services . He informed me that it was an attempt to collect a debt with all of the proper disclosures including that a recording was being made. He then proceeded to tell me that unless I made payment arrangements immediately that they would proceed to take legal action. I then had to ask what the debt was for and in what amount. The debt is for approximately {$500.00}. When I questioned the cost of such an event, lawyer fees, etc. I was met with more hostility. " I am not here to discuss the law sir. '' I do recognize this debt and intend to pay it in full. But the person on the phone used threatening tactics and was quite combative.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (UT)

Discover issued an IRS form 1099C to be used for my XXXX Tax Return. 
I asked Discover to update my credit report since the debt was cancelled, however, Discover indicated through a correspondence/letter that I still owe the debt and flagged the debt as uncollectible debt. 
Discover failed to send me an amended 1099C upon request to be used to amend my tax return since they still would like me to pay the debt.
Consumer complaint received 2023-07-03
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. (NJ)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (CA)

My XXXX stimulus was stolen while I was in prison and they stole XXXX from me mostly at casinos which at the time I wasnt even XXXX and couldnt go to a casino and other factors that prove my case but they denied my dispute for. No reason and never got back to me
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I have two separate loans from XXXX XXXX XXXX XXXX and XXXX which borrower defense discharged the XXXX. After removing the XXXX loan my score went up, then a week later experian re added it and my score dropped XXXX points. nenet the loan service has reported the correct balance but experian has not updated the info. This has caused me a big issue in my home buying process.
Consumer complaint received 2024-07-12
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

I am writing to formally dispute a fraudulent charge on my son 's credit card account, which is under my supervision. Below are the details of the disputed transaction : Date of Charge : XX/XX/year>2024 Amount : {$3000.00} Merchant : " XXXX XXXX XXXX '' Merchant Address : [ Bogus address leading to a house ] On XXXX XXXX, 2024, I noticed this {$3000.00} charge and immediately contacted my son, who confirmed that he did not make any such purchase. He resided in XXXX, Kansas, a small college town where no local business would justify such an amount. I promptly reported the charge to my credit card company, who assured me the transaction would be canceled, and a new credit card would be issued. 

Despite initial assurances and the credit of the amount back to the account, I was recently informed that we are now being held responsible for this charge. The rationale given was that the card was not cloned or stolen since my son made other smaller, legitimate purchases around the same time. However, this charge is out of character with his usual spending patterns and raises significant suspicion. We contacted XXXX Police Dept. XXXX XXXX, case # XXXX, his phone is XXXX they can't verify the merchant either. The address simply does not exist. I also have sent a picture of where my son was when this purchase was made ( he could not be at both places same time, with no response from the credit card. 

I have requested details about this merchant and received an address that does not correspond to any known business but rather to a residential house. This lack of verifiable merchant information further supports our belief that this transaction is fraudulent. The credit card company has not given us any information about what was purchased and where ( the real address ) this was purchased and they are saying this is a legit charge even after I called the day this was made indicating this was fraudulent Given the circumstances, I am formally requesting the following : A thorough investigation into the {$3000.00} transaction. 
Detailed documentation supporting your claim that my son made this purchase. 
Immediate re-crediting of the {$3000.00} to the account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (VA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

31 CFR 29.518 - Reporting delinquent debts to credit bureaus. ( e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX.

Account is in dispute. I did not give authority or permission to report. I have opted out and this needs to be removed immediately.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-06-25
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. (VA)

I demand these unauthorized fraudulent inquiries be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, 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, and XXXX XXXX XXXX  XXXX. 

XXXX  remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2024-09-12
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. (LA)

MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX PROOF OF PAID ACCOUNT TO ( XXXX / EQUIFAX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

For several years Syncrony Bank- credit card for LOWES has failed to include a return envelope to make a payment. Calling to record my displeasure resulted in no change, no outreach, nothing. 
The new policy as of XX/XX/year> is to charge me {$1.00} XXXX monthly for Syncrony mailing a monthly statement. I believe this policy is unfair and designed to force all customers to pay by using some automatic debit payment. This is unfair to me as a senior citizen with limited resources. The new policy requires more steps. It is designed to confuse seniors like me because I will likely miss the statement due date in my email. I only wish this bank would respond to me. It would be easier for me to fly to the moon than to call this lack of customer service company and expect ant result. Please help me
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

T

he 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 account listed without my expressed written consent.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (FL)

I sent a letter out to Experian, XXXX, and XXXX. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/. I even have some hard credit checks that I didnt approve that was done without my consent.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (FL)

On XXXX XXXX I received notification via credit monitoring system that a new account had been added to my credit report. The Alert also came in through various credit monitoring memberships. When I looked at the notice it showed a company named Vance and Huffman LLC had reported a collections to my credit file on all 3 bureaus. I do not recognize this company and I have not received any written communication from this company. I have not entered into any business or relationship with this company ; yet, it reported a debt to my credit files unbeknownst to me.
Consumer complaint received 2024-08-21
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refusal of allowing me to have online access to my credit report like any other consumer. I've made several request to have online access so that I may monitor and establish certain credit protections like most consumers have with credit monitoring. They refuse to give me access to my own report. They only offered to mail me a copy. I explained that bout time I receive a mailed report the report wouldn't be inaccurate as credit is in real time and change by the second. I feel controlled and punished and more importantly picked on and discriminated by Transunion.