davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (FL)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Trust Wallet did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Trust Wallets custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Trust Wallet promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Trust Wallet was in compliance with its own policies and procedures ; ( v ) whether Trust Wallet owed duties to myself, what the scope of those duties was, and whether Trust Wallet did not uphold those duties ; ( vi ) whether Trust Wallets conduct was unfair ; and ( vii ) whether Trust Wallet has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Trust Wallet must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Consumer complaint received 2023-04-04
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. (NC)

In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX XXXX XXXX # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( 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. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

I have a XXXXXXXX XXXX XXXX with Commenity Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Commenity and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called commenity again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Commenity. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-31
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. (AL)

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 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. Or list of inquiries 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 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

My business wrote a check {$1300.00} to a supplier of ours .After a time passed, supplier notified us they never received check. we received statement showing check was cashed by our bank, but signature on back was fraudulent. We filed a claim with bank but they say we missed their deadline by several days.
Consumer complaint received 2023-10-31
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 2023-12-27
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 (CA)

I have tried using the gift card multiple times online and in person and it was declined despite a balance on the card. Amex customer service says the card is fine and working with the stated balance. 

XXXX XX/XX/XXXX multiple times XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX in person and at pump XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-29
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-16
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. (MI)

I have been disputing these items a long time. The other bureaus already removed some negative items on their file because of inaccuracies. But some agency still reporting these negative items account on my credit report. Only your agency is reporting this account negatively and that is a violation of 15 U.S. CODE 1666B.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (MI)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Since XXXX  I have had an identity theft and it was reported to the Police, FBI, S.S., Federal Commission and the credit agencies. I have informed the three Credit Agencies and XXXX XXXX XXXX  on several occasions that this account does not belong to me since someone made a request without my authorization. I have problems with Experian and XXXX XXXX that, even though I sent them a police report, they have not deleted my credit account.
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (NY)

XXXXXXXX XXXX XXXX is refusing to provide me with account information that I AM ENTITLED TO!! The primary borrower has proven to be incompetent in managing this account thereby damaging my credit! ALL information that I have acquired in regard to this account is through disputes! Apparently the monthly payment has increased. I learned this via my Equifax credit report through a dispute this month! The primary borrower was duly notified. I WAS NOT! 
Also, XXXX continues to request a complete, unabridged copy of MY credit report! Please refrain from asking again for this information as any further requests will be considered harassment. The ONLY information that XXXX should be concerned with is the account that they are servicing!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (CO)

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/year>XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (OH)

In accordance with the Fair Credit act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from Bank of America , XXXXXXXX XXXX , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.
Consumer complaint received 2023-06-13
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)

Dear Equifax XXXX XXXX XXXX XXXX, GA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AC AutoPay LLC, Denver, CO Branch (NV)

I went into my online account to make XXXX 's auto loan payment and inside the account it reflected that my next payment due date wasn't until XX/XX/2024. I knew I had not made XXXX 's payment so I called AutoPay Inc., XXXX, XXXX, and asked why the website indicated that my next payment wasn't due until XXXX, when I hadn't paid XXXX 's payment. The AutoPay agent said very nonchilantly, " Oh, the website is just doing that lately... we have gotten other complaints. '' He went on to explain that when you log in in the month the payment is due the website automatically shows the next months payment due rather than the current months payment due. 

The agent for AutoPay said they are aware of the issue but he never said they are taking steps to correct the problem with the website. 

My concern is that other people will incur late payment penalties because of the website error.
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

Company is Best Buy, XXXX XXXX DC - Monday XX/XX/2024 my XXXX Phones did not work. On XX/XX/XXXX I went to the XXXX Store in our town and determined someone from a Best Buy iin another city had an in Store purchase accessed our XXXX account and disconnected our devices, they tried to set up other devices on the account. XXXX fixed our account. Today XX/XX/XXXX, we have emails stating an credit card was set in our name with {$1900.00} dollars worth of charges on a Best Buy Credit card. I would like Best Buy to delete/purge their system of my profile/information from their system and provide me proof of no other existing credit accounts. If this can't be done freeze our accounts from any additions to be created.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I paid online from my Chase checking account to my XXXX XXXX XXXX loan account. 

XXXX XXXX researched and tracked the payment based on a copy of the payment from the Chase bank I provided. Ultimately, XXXX XXXX indicated they did not receive the payment ( See attached letter ). I contacted Chase Bank in XX/XX/XXXX, and Chase Bank responded that they sent the payment to XXXX XXXX ; however, XXXX XXXX provided a letter to me on XX/XX/XXXX that they still needed to receive the payment on XX/XX/XXXX. I uploaded a copy of the letter from XXXX XXXX to Chase Bank and have yet to hear from Chase. 

Please explain what happened to the {$800.00} payment on the XXXX XXXX personal loan on XX/XX/XXXX. The Chase Bank Statement and a copy of the payment from Chase are attached.