davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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. (OK)

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$27000.00} XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2024-05-21
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. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : CAPITAL ONE Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} XXXX XXXX. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-04
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. (CA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-21
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. (SC)

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 2024-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (SC)

I am writing to request the removal of a collection account from my credit report. I have not engaged in any transactions with this collection agency, nor have I authorized any collections to be made on my behalf. It is imperative that this account be removed promptly, as its presence on my credit report is negatively impacting my credit score. I respectfully request that you cease all collection activities associated with this account and promptly remove it from my credit report. Your cooperation in resolving this matter is greatly appreciated.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (PA)

On XX/XX/2024, I opened a High Yield Savings Account with BMO Alto. The account was funded with slightly over {$14000.00} on XX/XX/XXXX from my personal savings account. After funding the account, I linked my checking account to the new BMO Alto account as the Savings account was closed due to all of the funds being disbursed to the new bank. After attempting to transfer a small amount of funds to my checking account in order to make the down payment on a vehicle, BMO Harris locked my account and instructed me that they will be closing my account due to fraudulent activity. After speaking with an individual on the phone, the closure was due to " Multiple accounts being linked and excessive transactions ''. There has been one transaction outside of the funding of this account. After contacting BMO Alto for four consecutive days, they are unwilling to provide me with information on how the funds will be reversed to the originating back and will not provide me with any information or a timeline as to how to proceed. At this point, BMO Alto is holding my funds with no information or procedural instructions on how to proceed.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

IN XX/XX/XXXX XXXX, AND XXXX OF XXXX BANK OF AMERICA LOST/STOLE OVER {$6000.00} DOLLARS OF PLAINTIFF 'S XXXX XXXX COMPENSATION PAYMENT DEPOSITS IN EXCESS OF $ XXXX THAT XXXX XXXX COMPENSATION DEPOSITED IN MY BANK ACCOUNT. 

THE BANK STATED FUNDS WAS SENT TO UNCLAIMED PROPERTY AS REQUIRED BY PROCEDURE.THEY COULD NOT PROVIDE ME WITH PROOF OF THIS ( LIKE i.e transaction or tracking number ) XXXXTHE BANK DIRECTED ME TO CHECK WITH THIER UNCLAIMED PROPERT.GOV, BUT UNCLAIMED PROPERTY STATED THE BANK NEVER RETURNED PAYMENTS. 

I CHECKED WITH XXXXXXXX XXXX COMPENSATION THE SENDER OF XXXX XXXX XXXX PAYMENTS. THEY SAID NO FUNDS WAS RETURNED BY BANK OF AMERICA, TO XXXXXXXX XXXX COMPENSATION. THE BANK OR UNCLAIMED PROPERTY, OR BOTH OF THEM TOGETHER LOST/STOLE MY XXXXXXXX XXXX COMPENSATION PAYMENTS DEPOSITS. 

-I HAVE CONTACTED THE BANK IN-PERSON, BY PHONE, AND EMAIL. 
XXXXI HAVE FILED COMPLAINTS WITH XXXX XXXX FDIC XXXX POLICE REPORT, -CREATED MY OWN LEGAL ASSISTANT APP TO LOCATE OTHER VICTUMS AT : https : XXXX THIS APP INCLUDES MY BANK ISSUES, FACTS AND EVIDENCE AND DEFENDENT BOA TO RESPOND. NO RESPONSE.
Consumer complaint received 2024-02-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I've been three ( 3 ) Ameican Express gift cards totaling {$170.00}. None of them work at any location -- online or physical -- that I have ever tried. I've reached out to Amex who gives me the same prepared statement that " these cards are accepted by all major retailers ''. They are not. Now I have {$170.00} of useless plastic.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding : Citizens Bank - Failure to Update Contact Information and Privacy Concerns Date : XX/XX/XXXX Citizens Bank Account ( XXXX ) : XXXX XXXX XXXX XXXX I. Introduction I am filing a complaint against Citizens Bank for their repeated failure to update my contact information and their continued use of an outdated phone number ( XXXX XXXX XXXX ) to contact me regarding my accounts. This practice compromises the privacy of my financial information.

II. Account History I previously held an account with Citizens Bank that was closed in XXXX. The phone number associated with that closed account ( XXXX XXXX XXXX ) is no longer in my possession. 
Since XXXX, I have opened new accounts with Citizens Bank, including checking, savings, and credit card accounts. During the account opening process, I provided Citizens Bank with my current phone number for all communication purposes ( XXXX XXXX XXXX ). 
XXXX. Repeated Issue Despite my efforts to update my contact information and explicitly requesting Citizens Bank to stop using my old telephone number, Citizens Bank representatives have continued to make calls to the outdated telephone number. 
IV. Privacy Concerns On XX/XX/XXXX, Citizens Bank once again attempted to contact me using the old telephone number that is no longer in my possession and should not be associated with any of my accounts I have at Citizens. Citizens attempt to contact me at telephone number that does not belong to me not only causes inconveniences to unrelated strangers but also raises serious privacy concerns. By calling an unauthorized number, Citizens Bank reveals to random people that I have a banking relationship with Citizens Bank. 
V. Relief Requested I request that the CFPB investigate Citizens Bank 's practices regarding outdated contact information and its potential violation of consumer privacy rights. 
Additionally, I request that the CFPB ensure that Citizens Bank : Updates my contact information on all my accounts with my current phone number ( XXXX XXXX XXXX ) Permanently removes the outdated phone number ( XXXX XXXX XXXX ) from their system. 
Implements procedures to prevent future use of outdated contact information. 
I am confident that the CFPB will take appropriate action to address this issue and protect my financial privacy. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

Incomm Case : XXXX I received a gift card through a XXXX XXXX giveaway in XX/XX/year>. This card was serviced by Incomm. 

used said gift card and then an individual ( a hacker? ) filed a chargeback dispute and Incomm did very little investigating and did a chargeback against the merchant I used the card for then awarded a new gift card to said individual. I reached out to Incomm on XX/XX/XXXX and started an ownership dispute where they asked me to prove my identity and ownership of the card. In the process of this, they sent me the name and address of the individual who initiated the fraudulent charge back dispute in the first place. I have seen on forums that this situation was not unique to me. 

This situation had put my account with the merchant in poor standing and Incomm did nothing to help.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification, so if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it!
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX is reporting on my XXXX credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

On the night of XX/XX/year> I reported that I had money stolen from my account. It was literally ten minutes after it happened. I was informed to wait until it settled. I waited then called the next day and filed a dispute on the funds. In less the 24 hours they sent an email stating that they gone through the whole process of an investigation including communication with the merchant. Which is impossible. I do file a lot of disputes, but every one of them should be handled properly. Now I am out of XXXX, because of a bias. Chime doesnt have a formal complaint process or at least they would not tell me over the phone.
Consumer complaint received 2024-06-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (OH)

Levy & Associates , LLC who represents XXXX XXXX filed a garnishment with XXXX XXXX XXXXXXXX XXXX XXXX the information was sent to an old address and I didn't receive it to way after which caused me to be unaware of an court hearing to contest to the garnishment or discuss options, this is for a vehicle that was repossessed that credit acceptance sold for a low amount at auction and sued me for the remaining balance, I spoke with Levy to see if we can lower the garnishment because I am a single parent and trying to maintain my current bills such as rent, utilities that I'm currently past due on due to the garnishment, Levy sent me an agreement to sign back in XXXX to lower it from 25 % to 15 % and also on the agreement it said I would be refunded due to the adjustment % and nothing has been done, I even checked the court docket and they haven't received the update from Levy, this has now caused me to be further behind on rent and is now facing eviction, which is goin to force me to file bankruptcy because I can't afford to pay rent due to the almost {$600.00} in garnishment every month, which is way more than my original term auto loan contract with credit acceptance, ive tried several times to contact Levy and left message ans no return phone calls,
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc (TX)

The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

Purchased a prepaid Vanilla Visa gift card in XXXX XXXX. Card didn't work and customer service couldn't help. Vanilla sent me a replacement card that didn't work. Called customer service and they sent a 3rd card that didn't work. Called customer service again and was promised a refund in 3 weeks. It's been 4 weeks and no refund. Called customer service again today. Was told I'd get a " response in 7 to 10 business days. '' It's going on 2 months since I bought the card. I need my money back.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these accounts/addresses were in dispute within 30 days now these accounts/addresses in violation 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (WA)

A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.