davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My father passed away and I have been trying to get a copy of his credit report. I contacted Transunion for a copy. They told me what the needed for documentation and I sent it via certified mail, they receive on XX/XX/XXXX. I have called them multiple times since then and have been told that they would send it to me, they never did.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

Upon discovery I noticed that MIDLAND CREDIT MANAGEMENT is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that MIDLAND CREDIT MANAGEMENT along with other company collecting on there behalf such as XXXX XXXX XXXX XXXX collecting without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
Consumer complaint received 2023-06-18
Product: Credit card or 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. (TX)

I have been calling the XXXX  card services customer service for over a year and a half to get this rectified but to my avail I have not been able to get my XXXX for a purchased I made at XXXX XXXX to get a XXXX gift for my XXXX  The companies are blaming each other meanwhile here it is a XXXX later and I still have yet to receive my XXXX.
Consumer complaint received 2023-11-16
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-19
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. (GA)

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXXXXXX XXXX XXXX  these accounts are severely impacting my credit me for helping laying my mom to rest
Consumer complaint received 2024-05-17
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: HUELSON LAW FIRM, LLC (FL)

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX XXXX Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the XXXX. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XXXX XXXX I used cash app to wire funds in the amount of {$810.00} to a supposed XXXX XXXX for a XXXXXXXX XXXX  trade. They said to use this name and send the funds for bills and food but come to find out it was a scam and I tried to decline the transfer but it had already gone through. The people then threatened me to send more money and hacked my social media to then scam other people out of money. I reported it with cash app and supposedly did an investigation into the scam but said they could not recover the funds. My bank said to try with them first and there was no luck and since it was approved they will not pursue to get the money back.
Consumer complaint received 2024-05-20
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: CITIBANK, N.A. (TX)

It is a long story but I'll make it short. One of my XXXX XXXX  credit cards was hacked and they got into all 4 of my Citibank accounts. When I discovered this, I called to try to identify the fraudulent charges. I was prevented from doing so because they said they could not verify me online. They had sent me a letter by snail mail and I had to give them the 4 digit code off the letter which I had not yet received. ( You would think with all the personally information they have on me, they could have verified me using numerous criteria. They are using extremely arcade methods. ) Once I got the letter, I called back, but was told had sent a second letter by snail mail and I had to wait for that one. In the meantime, the hacker went crazy. Over the course of about 6 or to 8 phone calls I finally got it resolved, I thought. You should know on the very first phone call, I told them to close ALL of my city accounts and do not issue any new cards. They did not listen ; they sent a replacement card to the hackers address in Florida ; I live in Texas. Why would they do that? The hackers continued to rack up charges. I finally went in and put a freeze on my accounts with the 3 credit bureaus. About {$500.00} of the bill was mine ( and has been paid ) ; but over {$12000.00} was not. I thought it was resolved, but then CitiBank reported {$12000.00} that I owed them to 2 of the 3 credit bureaus. I have disputed each of these. I told them at the time, their responses were too slow, the hackers were too advanced and quicker, and this was on them because I told them to close all my accounts on the first phone call. I have initiated about 10 or 12 phone calls, sent 4 total with 2 being registered letters, and I have received NO CONTACT from them. I think they have been extremely negligent with this, and are now trying to stick me with their mistake. I tried very hard in good faith, to work with them from the very beginning. I got a little to no cooperation from them. In fact I got a lot of runaround. I have logs of all of my phone calls and documents for my letters. I want this issue resolved once for all! I want this fraudulent CitiBank charge taken off my credit record. That is all I desire.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (MD)

Dear CFPB, I have a problem with my bank M & T. About two and half months ago someone broke into my account and wiped it out, about $ XXXX. I filed a dispute with M & T bank, they put a halt to my account for two and half month 's. I made at least XXXX phone calls and everyone sent me to another person made me feel like a ping pong ball. I have two Social Security payments in the account but they won't even let me pay my bills with those I have in there. I was told I may owe them! My credit went down so bad because I can't pay my bills! 
I have XXXX XXXX XXXX and do not have much energy to go there every day, I ca n't drive there because I use XXXX XXXX 
Is there anything that can be done about this problem? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX the XXXX, I was contacted through text messaging about a possible fraud where someone was trying to get {$2000.00} from my XXXX account. Mind you I never had a XXXX account, so I blocked the number. With in 5 minutes I received a call from my bank, it was their number, with the special Ringtone that I use for them. I answered the phone call, and they introduce themselves as a member of TD Bank. They said there was suspicious activity on my account, and a XXXX payment was stopped until I approved it. I said I never made such a payment, and they said they'd put a freeze on the XXXX payment. Meanwhile as I'm looking at my bank info my savings are being transferred into my checking account. I transfer it back, yet it's transferred again. Now I'm realizing that someone is in my account. This " TD Bank associate '' has me Transfer {$500.00} to the XXXX representative to freeze all accounts, until the funds are released the next day, not realizing I was being scammed. I get a hold of TD Bank the next day, to see what's happening, and they informed me that I fell for a scam. They shut my account of nearly 20 years, and have me make a new account, and report it to their fraud department, that then decides I didn't fall for a scam, and I willing paid someone with ALL of my bill money. They're saying there's nothing I can do about it because I have to personally insure my account, they won't do a chargeback, they won't recover my funds, nothing. They said XXXX has less than a 10 % refund rate when it comes to fraud,
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

My credit card has payments and credits at an amount I dont understand. It also has transactions I dont know anything about and they had a transfer of 15.

When I call them they say they cant see credits then three people later they say they see on their side now. 
I believe they are trying to get me in trouble with Social Security or something. 
Please look at downloaded documents and transactions that are unexplainable. 
Thank you My new phone number is XXXX And my new email is XXXX XXXX
Consumer complaint received 2023-02-15
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA XXXX, CITICARDS CBNA XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Fraud Complaint Regarding Unauthorized Transactions on XXXX XXXX XXXX Account at TD Bank Dear Sir/Madam, I am writing to formally lodge a complaint regarding fraudulent activities that occurred on the business checking account of XXXX XXXXXXXX XXXX at TD Bank ( Account # : XXXX ) between XXXX and XX/XX/2022. During this period, multiple unauthorized transactions were conducted on the account without the consent or knowledge of any member or employee of XXXX XXXX XXXX. 

The origin of this fraud is linked to a prior identity theft incident involving XXXX, the owner of XXXX XXXX XXXX. His personal information was leaked on the dark web due to a data breach from XXXX. Despite XXXX efforts to secure his information, the unauthorized transactions continued on the business account. Upon noticing these irregularities, XXXX promptly contacted TD Banks customer support to report the unrecognized transactions and confirmed that he did not authorize them. 

Unfortunately, TD Bank failed to stop these transactions in a timely manner. The account remained active and continued to accrue unauthorized transactions until it was eventually closed at the beginning of XX/XX/2022 with an overdraft balance of {$430.00}. This account was subsequently sent to collections, which was an unfair outcome given the circumstances of the fraud. 

Recently, when TD Bank reopened the account for business purposes, a member at the XXXX XXXX in XXXX XXXX, PA confirmed that XXXX had indeed called to report irregularities on the account. Despite this confirmation, the negative balance and collection record still remain, reflecting poorly on the companys profile. 

XXXX, as the owner of XXXX XXXX XXXX, respectfully requests that the negative balance and collection record be removed from the companys profile. This fraudulent activity and the subsequent mishandling by TD Bank have resulted in a detrimental outcome for the business, which we believe is unjust given the circumstances. 

We would appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please feel free to contact me if you require any additional information or documentation regarding this complaint. 

Thank you for your time and consideration.
Consumer complaint received 2024-04-27
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. (OR)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NY)

I had a warranty membership with best buy which i cancelled in XXXX by speaking with a customer care agent i was told in more than one conversation that i would not be billed and the membership was cancelled I even cancelled the credit card and they are still billing me
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (OR)

Nine months after I paid off my car loan, and without any letters or notice, they came and repossessed my car. When I called them, they stated I owed them a large amount of money, wouldn't tell me what it was for, made me pay for it in order to get my car back. I have asked repeatedly for my pink slip and they never provided it. They also charged me fees for " supposedly '' to receive my pink slip ( California fees ) and I don't live in California. They know this because they repossessed my vehicle in Oregon. This company continues to refuse to tell me what the {$1900.00} plus repossession fees with XXXX XXXX and {$90.00} with XXXX XXXX to get my vehicle back is for. They will not provide me with any information whatsoever. On top of all this, after I picked up my vehicle and paid them all this money, they sent me a certified letter dated XX/XX/XXXX saying they are going to sale my vehicle at auction! This is extremely illegal, especially since I supposedly paid them off for my vehicle a second time. Furthermore, they picked up my vehicle leaving no notice from private property. I thought it was stolen since there was no paperwork from them. The one page XX/XX/XXXX letter is the only letter I have received since paying off my vehicle 9 months ago.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TriPoint Lending, LLC (CA)

I most unfortunately entered into a Debt Consolidation withXX/XX/XXXX They did not disclose how detrimental this would be to my credit report with negative reporting XX/XX/XXXX months later! 
XXXX XXXX XXXX acct was reported at the start, It went to XX/XX/XXXX for settlement. The account was being paid for XXXX months when XXXX reported the Same debt to my report XX/XX/XXXXmonths After the debt went into default and WAS being paid. 
Now XXXX took the account back from XXXXXX/XX/XXXX this past XX/XX/XXXXXXXX XXXX because I was complaining about what had happened. 

My XXXX XXXX went down XXXX More points over an account that had Already hit my report. I am suffering twice the hits for the same debt! And I was paying through XX/XX/XXXX Both XXXX and XXXX refuse to fix this obvious detrimental mistake to my credit report. 
Lastly, XX/XX/XXXXXXXX totally misrepresents what and how they do things with their Oral Pitch, but even their contract does not state your accounts will go into collections and appear on your credit report. 
I naively thought the opposite as I had a good credit rating when I made a decision based on false claims. They said my credit report would start correcting itself after XXXX months.. my XXXX XXXX is now XXXX XX/XX/XXXXmonths after paying {$3600.00} to XX/XX/XXXX 
They are devastating my credit without care or any inclination to fix the fact this was reported Twice! 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (FL)

Upon the investigation of these accounts the company EXPERIAN, XXXX, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXXXXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (MT)

I opened a chime checking account on XX/XX/year>. I have my XXXX XXXX  XXXX direct deposits on my account opened with the phone number XXXX and XXXX I received my XXXX direct deposit but yesterday XX/XX/year> I began getting strange texts that I didn't request or verify. My account was fraudulently accessed and account info changed so I can longer access my own account and access my XXXX benefits. I have been on the phone with chime and discriminated against with my VALID form of MT STATE ID. At any rate. I am an XXXX veteran with XXXX and need help to report chime for breeching my personal info and possibly XXXX or the phone company. There is a XXXX thing that allows others to copy my phone info. I need help. I have supporting documents.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (AZ)

Account with united auto credit was closed & charged off! On XXXX account says closed but passed due for the amount of {$3500.00} but on XXXX is reported as closed & charged off in the amount of {$4700.00} both with same dates of XX/XX/year> but different amounts