davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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/1984 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-07-10
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: FIRST HOME MORTGAGE CORPORATION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-07-08
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 XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2024-07-17
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bounce AI, Inc. (GA)

BOUNCE AI , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference XXXX  XXXX ( Alleged balance : {$790.00} ) NOTICE OF DISPUTE To : XXXX XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX. This notice makes you an accomplice. 

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (FL)

FactorTrust XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear FactorTrust, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (AR)

I opened an Apple credit card because I wanted to purchase a new computer and the Apple credit card would allow me to make interest-free payments in monthly installments. The computer is a large purchase ( $ XXXX ) and I needed the option of paying in installments in order to make the purchase happen. 

In addition, I traded in two Apple devices in order to get Apple credit that I could apply to the purchased of my new computer. Apple credit is money that goes onto your " Apple account ''. Apple also extends the offer of applying credit directly toward the purchase of a new device but, importantly, they limit this option to one trade in. I was not able to take advantage of this offer since I was trading in two devices for my new computer. Thus, I proceeded with requesting my trade in funds be applied to my Apple account because it was the only feasible option available to me. 

At no point in the trade in process does Apple communicate this very important term : if you use Apple account funds to purchase a new device ( as is the case in a trade in of more than one device ), and you are using an Apple credit card to purchase the new device, you CAN NOT pay for that device in installments. 

I did not learn this information until after I had mailed my old devices into Apple and they had paid me for those devices by making a deposit in my Apple account. Apple does not let you cancel a trade in after this point.

So, I had {$800.00} in Apple account money, that I could only apply to an Apple purchase, but that I could not apply to a purchase made in installments. And I still had to purchase a {$2000.00} computer ( {$1200.00} after trade in funds are applied ) that I could not afford to purchase in full. 

I spoke with a senior customer service agent at Apple and he conceded that this is not explained to customers clearly in the early stages on the trade in process, but that it is included in the fine print somewhere- and that Apple has no control over this policy because the credit card in controlled by Goldman Sachs. 

I think this is a very misleading policy that serves only to benefit Apple and is just one of many examples of the ways that Apple is monopolizing the market. They encouraged me to trade in my device so that they could transfer the value of my device into Apple money, knowing that I also have the option of selling my device on the market ( XXXX, XXXXXXXX XXXX  etc ) for cash, which would have given me more options and indeed control over how I spend my money. But here Apple deploys a bait and switch : they communicate to customers that trade ins are easier than selling your device on the free market, especially for loyal customers who wish to apply those funds to a new Apple device, only to corner you into spending those funds up-front with very limited options as to how you spend them.
Consumer complaint received 2024-07-15
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: Block, Inc. (CA)

My XXXX is XXXX, I share XXXX of him. He was somehow able to get a Square XXXX Account. He started charging my credit cards to his vendor account, a XXXX XXXX  buisness. " XXXX and XXXX '' in XXXX California, He charged many of my credit cards. So i called Square to see who set up the account, if he set up the account or was he using my identity to set up and account? I tried twice on line and documented my efforts. Square alleges they can not locate who has the account unless i provide them with an email address linked to the account. Square got my email address and promised to follow up, they did not. I tried online support again and again they said there was nothing to do but to file a police report. I wanted to know who to file the police report against. Why is a XXXX child allowed to set up a credit vendor account. Has he charged other credit cards that are not mine. This is very irresponsilbe. I don't believe they can not locate this account that has charged XXXX of dollars that i had to dispute with my credit companies. Square is being irresponsbile.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid 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. (MI)

On XX/XX/XXXX, XXXX fraudulent charges appeared on citi card. XXXX for {$190.00} from XXXX and XXXX for {$190.00} from XXXX XXXX XXXX. I immediately reported the charges as fraudulent. My card was closed and a new card number was issued to me. I recieved security credits for the fraudulent charges along with a new card in the mail within a reasonable amount of time. 

On XX/XX/XXXX, before I had even recieved my new card in the mail, XXXX of the same XXXX merchants was able to charge my card for an identical amount. The charge was {$190.00} from XXXX. 

I have reported this fraudulent charge to citi numerous times over the last couple of months. Each time I'm given a new explanation for why citi has failed to properly open a dispute into this fraudulent charge. 

Most recently, on XX/XX/XXXX, I spoke to a representative who said that her colleagues must have failed to open a dispute under the correct card number. I told her that I didn't think this was correct, but she refused to listen to me. She assured me that she knew what she was doing and that I would see the open investigation in my online " Dispute Center '' shortly. This, of course, was untrue. 

I have given up attempting to resolve this issue with citi because of the poor customer service I have received and my lack of faith that any of its representatives know how to resolve my problem.
Consumer complaint received 2024-07-17
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. (FL)

I COMPLETELY DISAGREE WITH THIS ACCOUNT SINCE THE LAST ACTIVITY OF THE ACCOUNT IS NOT ACCURATE SINCE IT REPORTS TWO DATES AND WITH THE OPENING DATE OF THE ACCOUNT IT REPORTS TWO DIFFERENT DATES, LIKE THE HIGH BALANCE THIS ACCOUNT WAS CLEARED FOR DELETION BUT THE COMPANY DID NOT COMPLY WITH THIS AND IT HAS AN INACCURATE REPORT AS WELL AS THE REPORTING DATE OF THE LAST REPORTING ACTIVITY I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Hi Lvnv Funding, Resurgent Capital Services ; XXXX ; I was going through my credit report over the weekend and noticed 3 fraudulent accounts with alleged balances of {$1600.00}? {$1300.00}? {$2600.00}? I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-06-28
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. (OK)

I discovered an inaccurately reported account when I recently checked my credit report. On this account, I made two late payments that I actually paid on time. The consumer reporting agency is required to provide accurate information in all cases. Payments for this account have never been late. A copy of my report for the following dates XX/XX/XXXXXXXX XXXX XXXX  is attached to this complaint. I'm asking you to look into this and give me records that attest to the fact that I received these late payments. I require that these payments be changed to be made on time right away if this information can not be verified. I appreciate your consideration and quick response in this matter.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

On XX/XX/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

Equifax, XXXX, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

The company Chime Bank closed my account last year in XXXX at the beginning and said they would mail my balance by check which was a balance of {$200.00} but it's almost a year later and nothing, every time I call they say the will expire it to financial team or manager but nothing happens from that, when I ask to speak to manager they either hangup or redirect me to someone else that works there not a manager, never get to speak to one. Recently contacted y'all and chime sent a email saying to update mailing address to send check and I have sent multiple emails but they send a email back saying to respond to email or select one of the options in email but there is none, I called to update it and a lady updated on the phone she was saying but then said after XXXX says I'm gon na redirect you to financial to update mailing address but hangup on me they keep doing this not resolving the issue please help me it's been a year or more stealing my money and not giving me answers or solving it, left phone number with chime peoples I talked to so they would contact me and never do its been XXXX weeks trying to update mailing address with no success, i emailed and called chime, please help, thankyou for your time. XXXX bless
Consumer complaint received 2024-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I placed XXXX into a cd at Huntington Bank in XXXX XXXX, Michigan that was supposed to be 5.18 % Apy for 14 months. According to every online CD calculator I should be getting {$110000.00} but the bank has it at {$110000.00}. Thats {$470.00} short of what it should be.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TN)

The company equifax has continued to violate federal law 15 USC 1681 information on overdue child support. This company has reported inaccurately that the XXXX XXXX XXXX XXXX has over 35 missed payments. This reporting is in error and a violation of federal law this erroneous account stating late payments is in litagation and has been ruled in the client favor but equifax continues to re insert this information that was not court ordered or were they given consent which is another violation of 15 USC 1681 ( B ) permissible purpose and also violates the federal rule of estoppel. Equifax must remove the XXXX XXXX XXXX XXXX ( child support ) immediately or face a civil suit in chancery court and damages for the consumer not being able to obtain credit.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CO)

I tried to cash my mother in laws check into my online banking and they put it on hold for around 12 days then I got an email saying my account was gon na be restricted they told me I needed to verify my mother in laws identity with a phone number but they said it didnt work and if they cant verify my account will be closed and I pretty much wont get my money
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (CA)

Credit Bureau refused to investigate I disputed XXXX XXXX XXXXXXXX XXXX as incorrect. And Experian refused to investigate, and instead email and stated it needed further identifying information from me, instead of investigating my dispute.