davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

Citibank XXXX XXXX I am trying to transfer money from my saving account to my husband account since last 10 days. We both have citibank accounts. However, citibank is not letting me transfer money from account. They are randomly calling for security verification from potential span number. After calling them back to their official numbers several times ( several hours ) and verifying all details, my money still was not able to transfer. We needed the money for closing a house. We are really annoyed and once the money is transferred, we will close all our citibank accounts.
Consumer complaint received 2023-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

I have/Had no knowledge of this account/Loan for {$4200.00} XXXX periodically check my credit and this how I found that this was on my credit went to collection at Vance & Huffman before my past credit history of loans and credit cards I have paid and/or paid off I had a excellent payment history I have even obtained a loan from XXXX XXXX XXXX and with in 3 months XXXX had XXXX account paid in full and XXXX also found that XXXX I have account with was breached and I received a Letter from XXXX XXXX and they had a data breach and then in a month of XXXX  breach in XXXX this year and XXXX this someone my Identity and this collection appeared on my credit history and I am so frustrated upset that something like this could ever happen when you put your trust in Credit company as XXXX and others and feel this thief of my identity violation of one self and should be removed
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld World Systems Inc. added a collection account on my credit report for XXXX and XXXX in the amount of {$140.00} on XX/XX/year>. I have requested written validation from the collection agency and have not received a response.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024 a call came in to our phone from Bank Of Americas phone number ( XXXX ) a person claiming to be a customer service representative asked us to verify some XXXX transactions we had made through Bank of America 's mobile banking app. We verified a few that we had made, then were asked about a {$2500.00} transaction. Which was {$200.00} dollars less than our total balance in the account in question. Naturally we were panicked, we explained we did NOT make that transfer. They then asked us to verify security codes to our phone to ensure our protection. We doubled check the phone number and it was the same as on the back of our ATM cards. We had no reason to believe this was a scam. They had all our information and verified all my account information as the scammers had compromised Bank Of America, otherwise how would they have had all my bank account information. We quickly this was fraudulent but not until our money was already gone. We went into the branch first thing the next day and closed all our accounts and transferred all the money we had into a CD for protection. The claim was filed by a BOA associate by phone earlier that same morning and that associate filed the claim as fraud. We never heard back regarding our claim and followed up about XXXX weeks later only to learn that the claim had to be re-filed as a " SCAM ''. They explained the only way we would get our money back is if they recovered the funds. This is now XXXX weeks after the initial transfer that was made. At this point we knew because they initially filed incorrectly that the chance of recovering funds were slim. Of course they then denied the claim. Again I only found that out from my follow up call around beginning of XXXX. They then filed again for a reconsideration. That was also denied. I then filed a complaint with CFPBXXXX XXXX, and Federal Reserve XXXX help. Once BOA received my complaints I immediately received a call from XXXX XXXX ( XXXX and she explained she would re-submit my claim. Today on XX/XX/2024 at XXXX XXXX. I received another call from Bank of Americas claim 's department XXXX. Luckily I was driving and could not answer. Once I got home, I called the number back and the representative explained that the bank did not call me, yet the number when I called back went directly to the claims department. This is EXACTLY what happened the first time when we were victims of the {$2500.00} withdrawal. I don't understand how an institution that is supposed to protect their consumers can take no responsibility for scammers using their secured lines and getting access to all my information to have my checking account emptied!!! I have been a client for 14 years and this has been the worst experience ever. I would not have been exposed to XXXX had it not been for Bank Of America XXXX app.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
NORDSTROM/TD BANK USA XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Grain Technology, Inc. (NY)

On XX/XX/XXXX Grain Technology changed the setting to my account to auto payment. I noticed because I signed into my Grain account to make a payment and ad soon I went to make a payment I got an email that sis thank you for submitting your payment of {$110.00}. I never even made the payment because I got the email before I could move forward and was confused. Upon checking I saw my account my on auto payment. I then took it off and notified Grain that I never made that change to my account. About a week or so went by and no response from them. I eventually went to check my XXXX account again and saw that my account was back on auto pay. I then again took it off. Auto pay is something Ive never set up so Im more than certain that Grain technology is doing that.
Consumer complaint received 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (NC)

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX TransUnion Sincerely,
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with TRANSUNION 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 USC Code 1681eb. 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The debt collection was report to the credit bureaus on XX/XX/year>. I notified the debt collection company that this debt doesnt belong to me. My identity was stolen 6 months ago including my social security number, drivers license. They refused to remove the collection account or provide any information.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 13th 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 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (PA)

Subject : Cease Unauthorized Credit Reporting per Pennsylvania FCRA Identity Theft Fraud Laws Dear TD BANK USA, I am compelled to address a concerning matter regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Pennsylvania identity theft fraud laws, particularly under Pennsylvania Consolidated Statutes Title 18 4105.

It has been brought to my attention that TD BANK USA has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal law, as delineated in the FCRA, unequivocally mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

In tandem with federal law, Pennsylvania state law, particularly under Pennsylvania Consolidated Statutes Title 18 4105, underscores the necessity of consumer consent for credit reporting. This law also outlines stringent penalties for unauthorized access and misuse of personal information, aligning with the severity emphasized by identity theft fraud laws.

I assert unequivocally that I have not granted consent for TD BANK USAto report any information to my credit report. This lack of explicit permission constitutes a direct violation of my rights, potentially resulting in harm to my creditworthiness, and demonstrates a clear disregard for federal and state laws.

I demand, with utmost urgency, that TD BANK USA immediately cease any further reporting of information to my credit report without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania identity theft fraud laws. Failure to comply within a stipulated XXXX timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to understand that obtaining consent is not discretionary but rather a legal obligation under these specified sections of the FCRA, Pennsylvania state law, and identity theft fraud statutes. Compliance is not negotiable ; it is a demand for adherence to federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I anticipate immediate action on this matter and expect TD BANK USA to expeditiously rectify these violations, respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CT)

I attempted to upload ID to have my account login information updated but after multiple attempts the outsourced representative became aggressive and insisted that I do it with him on the phone. I am requesting speedy update of my account information so I can gain full access. 

I tried emailing them and they sent me a generic response that seems to keep going in circles.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

- mailed check XX/XX/XXXX to daughter - local mail service stole check and rewrote XXXX for deposits at XXXX non-USB local banks : - check # XXXX for {$350.00} dep. XX/XX/XXXX and {$1500.00} dep. XX/XX/XXXX, both mobile deposits Met with local USB branch management at their convenience on XXXX. XXXX XXXX. 
Paperwork was completed and I returned it to USB XXXX  branch in XXXX, WA. 
Then the waiting began- nothing from the bank, always due to my initiative ( several calls over XXXX  months ). 
Today, the response from US Bank Fraud DepXXXX. " call back at end of week '', always the CUSTOMER 'S responsibility with these folks... 
My husband 's take : These guys are slow walking us.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I responded to a credit card application on the Capital One website on XX/XX/XXXX. It was for Capital One Venture card. It was airline miles as well as " LIMITED-TIME OFFER! Enjoy {$250.00} to use on Capital One Travel in your first cardholder year '' after purchase of {$4000.00}. 

I purchased and met the XXXX  XXXX and now Capital One is saying this offer did not start until XX/XX/XXXX. The offer was on their WEBSITE ON XX/XX/XXXX. They are denying this. THIS is BAD FAITH and UNACCEPTABLE. The {$250.00} for Capital One should be extended to me ASAP. I have already filed two complaints with them and my next move is remove all money from Capital One, cancel two credit cards as well as my business credit card. I have been with them since XXXX. Thank you.