davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Complete Credit Solutions, Inc. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

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. 

I C SYSTEM INC  ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : XXXX has violated my rights. 

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have requested ORIGINAL CONTRACTs from companies on my Collections/Closed accounts showing on XXXX Equifax and XXXX. I have never received them, and now these closed accounts are showing on my Credit Report. 

Inaccurate/Unknown charges Showing on my EQUIFAX Collections XXXX " XXXX '' {$1100.00} " Original Creditor '' {$2200.00} " Original Creditor '' {$190.00} " Original Creditor '' {$2200.00} These lenders have accessed my credit file and should have been removed From the EQUIFAX report XXXX XX/XX/XXXX : XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

YOUR COMPLAINT On XX/XX/XXXX, I attempted to withdraw funds from a BofA at a different location than our home bank. The ATM declined to release funds, citing suspicious activity. I am unaware of anyone else relieving the BofA of my funds at the time. I called to have the hold lifted, by phone to no avail. I then made numerous attempts both by phone and by entering the local BofA. Each time I was unable to straighten this out. The people from the bank would not help at all. They wanted the payee to come in. I showed a police report of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He is not capable of leaving the place, because he is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he has XXXX which i was told by his dr that he will never leave where he is because of the XXXX XXXX XXXX XXXX XXXX XXXX. So now, not only he can't travel, but neither can he XXXX. Recently had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to withdraw my funds, I am about to lose my vehicle ( impounded ) nor am I able to pay rent, utilities, non food items, etc. so on XX/XX/XXXX, I entered the bank to demand they give me my money, then was told I had XXXX in my account. It should have been $ XXXX. When requesting to see last 10 transactions, the teller refused and despite being told of my brother 's demise. Instead of assisting me, they give away my money. This is blatant discrimination. I have no money, i am XXXX and XXXX. They are costing me my car. They need to pay for this mis treatment. I'll find out their names, only if they be reprimanded for how XXXX being treated. I hope they feel the impact that I feel. Filed complaint earlier threw you guys that was closed because you guys said they responded to me but have not received anything from them want to reopen case get something done for me please
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (SD)

This loan is illegal in the state of South Dakota it charges over 400 % interest which cause financial hardship and bankruptcy in the people who use spotloan loans services. This loan company is lending illegally online in the state of South Dakota on XXXX XXXX under the pretense of a installment loan but it is a payday loan and this loan and this company is violating federal and state laws lending in South Dakota this loan company also is violating the rico act and I call on the federal government to investigate all XXXX loan online lending practices and the interest rate they charge causeing long term harm and financial hardship and bankruptcy to the citizens of the USA. I revoke all signed agreements and documents with spotloan this is an illegal loan and I am not a XXXX citizen I am a citizen of the United States and under federal law and jurisdiction. I call upon the us government to stop these predatory loans and help us because this is ruining good peoples lives.
Consumer complaint received 2018-02-10
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: ALLY FINANCIAL INC. (WI)

Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Yes from XX/XX/XXXX up until XXXX my older brother has been stealing my personal information and using it to open up fraudulent accounts. Credit cards, vehicle purchases and taking out personal loans in my name etc. He has finally confessed to me that he was the XXXX responsible for doing this all along. I have filed a police report with the XXXX New Jersey Police Department. It will be included along with my FTC affidavit and also I will be pressing charges on him. He had gained access to my personal information while I was XXXX from XXXX while living in one of my rental properties looking after our elderly grandmother while I was gone.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received an email on XX/XX/XXXX saying that someone sent {$150.00} USD to an number, XXXX, from an account I never opened with Capital One. The person, whoever did this, tried to scam other people pretending to be me on social media and one victim that sent the amount of {$150.00} USD to the unknown account was a family member of mine.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

My credit report is showing a collection account from PENN CREDIT CORPORATION on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Consumer complaint received 2024-07-16
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. (DE)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

BMO has discriminated me. Ive been experiencing nothing but issues from BMO. I processed a XXXX  transfer on XXXX and received a confirmation that stated my money would be sent in minutes. Upon checking my money stayed in pending status. I called spoke to a BMO rep regarding it. I said the system had an issues and that transfer would go out on XXXX. Upon checking my account on the morning of XXXX I noticed the transaction was still pending. So I called BMO again to find out why my transaction didn't go through. The put me on hold and transferred me to the fraud department. The rep by the name of XXXX took the call. He told me the reason my XXXX didn't go through was because of a {$5000.00} deposit that was flagged from the XXXX. I explained to XXXX that the deposit was a cashiers check and the payment had cleared on XXXX. He told me he didn't care and my account was on review and hung up in my face. I called back several times asking for a manager and was told no and hung up on several times. I was told my accounts are frozen and that I have no access to my money. I explained that my money is for my bills and I have to travel tomorrow. BMO basically said they don't care and I have to wait. I asked for manager or a department to help me and it fail on deaf ears.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I received an email from the company, stating that I owed a balance. I called the company and informed them that I did not make the purchase. I never had the new card activated. I explained that to them and informed them the purchases were not made by me and I have no idea how the purchases were made when I had the card in my possession. They opened an investigation and about a month later, I received a new bill with the charges put back on the account and was told I was held responsible and if I did not pay, they would report it on my credit report. No other information was provided by them. The card had a charge to XXXX XXXX for {$44.00}, on XX/XX/2023, a charge for XXXX {$110.00} on XX/XX/2023, XXXX for {$110.00} on XX/XX/2023 and a charge to XXXX XXXX XXXX XXXX for {$100.00} on XX/XX/2023.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

An email was sent to me stating that a credit card from Capital One is opened in my name and is in transit to an location I dont know about. I did not open this account and I believe this is fraud and identity theft. I have never did business with this establishment .This happened on between XXXX and XX/XX/XXXX.
Consumer complaint received 2023-12-14
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. (DE)

Investigation Request Letter Date of Birth :XX/XX/XXXX SS # : XXXX Enter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Credit account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXXXXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (OH)

XXXX XX/XX/XXXX, I got on my American Express XXXX XXXX account and using the chat feather, I requested to close my account. They said I would have to wait until XX/XX/XXXX to cancel because my card would renew on that date ( screen shot of chat available upon request ). 

Today XX/XX/XXXX I received an invoice from American Express say " your account will renew next month ''. 

American express can not make it so difficult to close an account and expect me to spend hours on the chat line because they want to keep me. I am requesting compensation of {$180.00} for reimbursement of time and mail costs.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (SD)

This loan is illegal in the state of South Dakota it charges over 400 % interest which cause financial hardship and bankruptcy in the people who use evergreen loans services. This loan company is lending illegally online in the state of South Dakota on tribal land under the pretense of a installment loan but it is a payday loan and this loan and this company is violating federal and state laws lending in South Dakota this loan company also is violating the rico act and I call on the federal government to investigate all tribal loan online lending practices and the interest rate they charge causeing long term harm and financial hardship and bankruptcy to the citizens of the XXXX. I revoke all signed agreements and documents with evergreenloans this is an illegal loan and I am not a XXXX XXXX I am a citizen of the United States and under federal law and jurisdiction. I call upon the XXXX government to stop these predatory loans and help us because this is ruining good peoples lives.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (NH)

I awoke in the middle of the night on Friday XX/XX/XXXX just before XXXX and saw an email from Credit Karma XXXX XX/XX/XXXX XXXX that stated " we received your request to withdrawal {$9900.00} from your Credit Karma money save account. You should expect to see the money in your XXXX, A DIVISION XXXX XXXX XXXX XXXX  account ending in XXXX within 2-3 business days. '' " If you didnt initiate this withdrawal please contact us. '' I contacted them immediately and asked them that this was not me making the transfer and that they need to reverse it. They told me it that they couldn't reverse the transfer. I asked them to lock my account and they told me that they had to send this to a " team of specialists who were more equipped to help me. '' They also told me that I would need to call on Monday XX/XX/XXXX after XXXX as that is when someone would be able to help. 

I was sent an email and they had me answer a few questions. It was only a few days later I noticed that the email had a " request for return/Recall of funds from ACH transaction. They sent me a foolow up email asking for more info. I no longer have access to my Credit Karma save/spend account because they closed it. I told them that I can not fill out the form and asked them for help ( as I do not have any of the account numbers needed to fill out the form ) On Tuesday, XX/XX/XXXX, I received a XXXX debit card in the mail in my name. I never applied for it. I called them to report that I did not request this card. They closed this account and sent me a case number # XXXX ( XXXX XXXX  XXXX ) I have since filed a report with Identity theft.gov ( Report # XXXX ) I had a total of just over {$16000.00} in this account and so far, Credit Karma has only refunded me around {$6200.00}. I have heard nothing about what is happening with the {$9900.00} stolen from my account. This transfer happened literally within a few hours and I don't understand why they couldn't reverse it when I called in the early morning of XX/XX/XXXX. 

Credit Karma uses XXXXXXXX XXXX out of WV. I am not sure where XXXX XXXX XXXX  is located.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NV)

I went with a new phone company, I am self employed, their service was not good in the area I lived, I went in person twice, spent hours on the phone, I was told there was nothing that could be done. I have no idea how much in revenue this cost me. On changing providers I was given a bill for a watch that I was told was a promotion, I really didn't care about it, when I went to use it it didn't work, I was told I didn't purchase an insurance plan so I would have to pay to have it fixed, I felt it was a scam. Watch never used, could never be used, I offered to return the broken watch, I received a bill, I was turned into collection back in I believe XXXX, and won the dispute, now 2 or 3 years later I have to fight this again. The company also locked the phone I paid cash for. XXXX XXXX XXXX  has cost me XXXX  I am not giving them another XXXX for a broken watch, when I paid for phone service and was not told it was not good in my area. Please help