davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NC)

First American Title Insurance Company has conducted a transaction on my property XXXX XXXX XXXX, XXXX, Pa XXXX without " permissible purpose. '' I, XXXX XXXX do not have a contractual agreement with this company to execute any transactions on my behalf. I requested documents of affiliation and this company responded stating they are missing documents in there file referencing the following : " Signed Final HUD/Closing Disclosure, Title Commitment/Prelim, Vesting Deed/Warranty Deed, Recorded Security Instrument and in order for me to receive information of a policy agreement I must furnish documentation to them.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This complaint is being lodged by me personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor any adequate verification. I'm seeking your help to address and resolve this situation quickly and efficiently.
Consumer complaint received 2024-06-04
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-04
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

I have sent numerous messages to Mohela since calling them is impossible and they keep sending me info that is not pertinent to my loans. On the website, it says Im not due until XXXX for payment but the messages I received say Im in repayment but Im paid ahead. I asked if the payments count towards PSLF and they gave me info on the IDR plan which I am not a part of. I feel as if this was an automated response and not an actual customer service representative and my questions were still not answered.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (CT)

I was requested by XXXX a supervisor for XXXX and she stated if I sent the affidavit the account would be disputed and handled nothing like that I had to call and the agent told me that the file was rejected because of possible credit repair lab never got a letter or notification of this now XXXX will not process my request as also the same XXXX from innovis and XXXX from XXXX this is getting agravating and I am tired of the run arounds
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

I have been banking with XXXX  and Wells Fargo who were sued on behalf of customer complaints. I have yet to receive my settlement check and is due one because I was banking with both banks during the timeframe the lawsuits were filed. I have been told by Wells Fargo I do not qualify and XXXX  have not compensated me for any losses or damages Im entitled to.
Consumer complaint received 2023-06-27
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. (NC)

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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

Factor Trust XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

I was notified of involvement in a data leak. Then, on XX/XX/XXXX, a scammer used personal information and a spoofed wells fargo phone number to convince me of fraudulent accounts being opened in my name. Transferring me to another number and Impersonating bank and XXXX officials using some stolen data, they scammed me for XXXX. XXXX presents itself as a safer payment option and its association with major banks is why I chose to use it over XXXX and XXXX. I filed a complaint / claim with chase and was told over the phone that 1. ) compensation was possible for bank impostor scams and 2. ) XXXX was actually involved in MORE scams than the other payment options for her department. This phone call was presumably recorded and is accessible for confirmation that I was told this. On XX/XX/XXXX, I followed up with this : " Hello. I contacted your fraud claims department yesterday about a XXXX bank imposter scam. The scammer payment in question was placed under " pending '' and I was told that I would be contacted via email regarding next steps. 
However, there is no active claim open to check online, no email in my inbox either. I called twice today to check on this, and was placed on hold twice for XXXX minutes each time before being disconnected. I was told reimbursement was possible, and I know that certain qualifying bank imposter scams are eligible for that. Please contact me ASAP to let me know why there is no claim active, why the payment is no longer marked pending, and whether or not any investigation is ongoing. Unfortunately, if this matter isn't resolved, i will be closing my Chase checking account. I only used XXXX XXXX and no other payment app ) because I thought affiliation with Chase made it more secure. Please call me at XXXX email me ASAP to update me on the status of the claim I filed over the phone yesterday afternoon. Thank you. " Hi. This is in reference to my previous message in which I informed you of an banking imposter scam. The scammers are trying to contact me again today from this phone number : XXXX - XXXX XXXX - XXXX. Hopefully this is helpful if you do commence an investigation at some point. 


Received notice that investigation was closed. XX/XX/XXXX, they mailed me a notice that the investigation was closed. They ignored my contact preferences and did not leave a voicemail or email me. They told me that they would make no changes to the account, either.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute account XXXX XXXX - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Police reports were filed in regards to the situation. The merchant was also contacted several times. They informed me that my bank never reached out in regards to my dispute. Several forms of documentations were provided. After requesting documents or reason for denial the agent simply stated they had none. As nothing was notated on the account. The company has done nothing
Consumer complaint received 2024-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Triton Recovery Group (FL)

https : //www.tritonrecoverygroup.comXXXX XXXX XXXX XXXX This company has on mutliple occasions threatend to seize property, destroy our Personal credit and seize any assets. This is a standard demand of them. This happens on a monthly basis. 

We have told them on multiple occasions that we intend to make good the obligation, but the threats do not stop.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

On or about XX/XX/XXXX I noticed a discrepancy between my balance on deposit and " Available Funds. '' Upon calling Citibank, I was given no information. When I visited a branch in person, I was finally given a phone number to call the California XXXX XXXX XXXX. Citibank would yield no information ( nor did the associates to whom I spoke have any, as this is a legal issue- though I was not directed to the legal department nor can I seem to be able to contact them ), and I was unable to gather information from the XXXX ( the XXXX time I was able to get a call back, that is -- most times I would call and their lines were too busy to accept any calls or call backs ). 

On XX/XX/XXXX, {$3200.00} was withdrawn from my account along with a {$120.00} charge for legal processing. On XX/XX/XXXX, I received a letter ( via ordinary mail ) from the XXXX via Citibank with a Notice Date of XX/XX/XXXX. This letter was addressed to my father, who is a joint owner of my account since I opened it as a minor nearly 20 years ago. I have since learned the tax due has been disputed numerous times and is firmly believed to have been paid. However, for XXXX reason or another this was the account the XXXX chose to place a lien upon this account. 

While I understand Citibank has no say or impact on the ongoing tax dispute, the lack of and refusal to provide information during the period of several months during which my funds were on hold and then withdrawn is absolutely unacceptable. It seems the notice was held until the funds were actually withdrawn. There is a 90 day period to dispute this action, and nearly XXXX of those had elapsed before I received it. 

Furthermore, I must add : on my accounts overview my balance on deposit would be shown rather than my available funds -- this led me to unwittingly have an insufficient balance to pay bills in several instances, resulting in late and interest fees. 

After a long tenure I will be closing my Citibank accounts, but I would still like an explanation for why it took approximately XXXX weeks for Citibank to deliver a notice for funds being withheld. This is a XXXX injustice that I hope will not be experienced by others.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Hello Citi Bank disputes, This is XXXX XXXX, emailing and following up regarding my dispute XXXX. 
Attached below in two of the pictures is the product I received from the fraudulent/scam locksmith that came out in XXXX of XXXX  and charged me XXXX dollars for a fake key. Again I was not able to to reach the merchant as there is no company listed or called XXXX XXXX XXXX online or locally in my area. Also I included my mechanics bill for checking my car security system and key, as I was trying to figure out what was wrong with it. I have emailed Citi Bank the receipt for this transaction. 
Regards, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit card — Store credit 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. (IL)

XXXX is the previous complaint that was opened regarding a purchase with Home Depot for replacement windows. The complaint was closed and Citi issued a full refund with a letter stating the issue was resolved in my favor in XX/XX/year>. XX/XX/year> Home Depot reissued the billing and has been sending multiple letters weekly demanding payment. Home Depot has reissued the billing that is effecting my credit score. Home Depot is in violation of Regulation Z banking regulations. 

I have attached the finality letter provided by Citi showing the refund and previous decision in my favor.

Please advise management at Home Depot that reissuing this billing is illegal.

Thank You
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keystone Law LLC (VA)

I just have to pay approximate XXXX dollars for the medical debt. The Keystone law LLC. 
tel number XXXX tried to collect XXXX dollars. I accidently make the mistake to send them two time of XXXX dollars. They kept calling me to try to collect the wrong amount.
Consumer complaint received 2024-05-11
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. (IL)

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX IL XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have notified the credit breaus several times to remove all things that are not mine off of my credit. I am very upset because i have XXXX kids and we are trying to buy a house. Thay have not updated my credit score at all and io have on time payment that is reflecting.