davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

The first fraud incident on my account was on XX/XX/XXXX and I reported it to Citibank immediately. They started the dispute on XX/XX/XXXX and I am not clear about the reason why. After I complained to CFPB, Citibank contacted me and sent me the forms to fill out for the dispute. Before that, I had contacted them multiple times and their response was that it was still in process. Now, they don't even want to take responsibility for the fraudulent activity on my account, and all they could say is that the beneficiary bank already sent the money to the crooks. I do not understand how they came to such a conclusion. I did not authorize anybody to take money from my account and it seems like they don't even want to help me out in this situation. Without authorizing this transaction, how can I be responsible for this fraudulent activity? When I talked to the costumer service at the bank, one of their responses was that this was a small amount and that they have had many clients lose thousands of dollars everyday due to such fraudulent activity. If their clients are losing money like this, shouldn't they be doing something to protect their clients? I am a XXXX XXXX, who is struggling everyday to make payments for my XXXX  and this was the money I had saved up in order to make the payment. To them, it seems like a very small amount, but to me, it is all my hard work. I can not lose this amount. The institution ( Citibank ) should be responsible for this action. My family has been faithful customers of this bank for more than 25 years. Even though I set up an alert to my phone for any transaction, Citibank did not send me an alert for this fraud, which happened multiple times on the same day and my account was wiped off. In total I lost {$3400.00} including the domestic transfer fee! Being such a large institution, they don't seem like they want to do anything to help me. Now I am forced to borrow money from my parents everyday to make up for this loss and to pay for my expenses. I have a learning XXXX, which why I am unable to work full-time and manage my studies simultaneously, so this money was very important to me, as I need to make the rent payments for the next three months. I hope somebody can help me with this.
Consumer complaint received 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (FL)

On XX/XX/23 I was unlawful denied my right to credit by Avant which is a violation of the Equal Credit opportunity Act ( 12 CFR 1002 ). On XX/XX/23 I responded to the unlawful adverse action taken against me by stating my claim, with the supporting laws pertain to my consumer rights as a creditworthy applicant. That on XX/XX/23 Avant responded to my claim still denying me lawful right to credit. Ive sent a final notice to cure, to try and rectify the issue without pursuing litigation.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, LVNV Funding ( Resurgent Capital Service ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX/LVNV/ and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/LVNV/ and Portfolio via certified mail on XXXX XXXX of XXXX mail return receipt, proving that XXXX/LVNV/ and Portfolio received my debt verification letter on XXXX
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act Capital One # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation (OH)

I have a hard inquiry on my credit report from Onemain Financial. I don't know this company and certainly never applied for a credit card with them. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.
Consumer complaint received 2024-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have no knowledge of these hard inquiries involved with identity theft and it must be removed with you guys no later than XXXX business days as per 15USC 1681 c-2.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (GA)

They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.
Consumer complaint received 2023-05-07
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. (IL)

This company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my report.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I bought a XXXX XXXX XXXX around XX/XX/XXXX from a car dealership and Im pretty sure this is related to the big case against Wells Fargo and their predatory lending case that was written about at the end of XXXX in XXXX in various news articles. They approved me for an auto loan with an APR of 9.84 % over XXXX years with no credit history and with hardly any income at the age of XXXX. Now Im still making my payments on time ( around {$460.00} a month ) and Ive been making more aggressive payments of {$600.00} every XXXX weeks and I asked for a pay off quote and they quoted the same principal amount I see on my statement but that amount includes interest. A sum including interest is not considered the principal sum of a loan. They also only shorten the maturity date of the loan from making early payments and Im still obligated to pay all interest regardless of how early I make my payments. Is it really legal to obligate a borrower to pay interest on a sum of money thats being paid off earlier? I believe this loan was very predatory to begin with from Wells Fargo and I would like to be able to pay off the loan without having to pay their unethically high and yes Im saying it again predatory rate. Thank you for your time and any attention to my comment would be appreciated.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (OH)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-04-07
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: AMERICAN EXPRESS COMPANY (VA)

According to the Fair Credit Reporting Act, the creditor American Express has Violated my Rights on this Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason at all. 
American Express Reported alleged late payments to XXXX, XXXX and XXXX without notice & without written consent which is illegal.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I called 4 different times to open a merchant dispute but the system didnt allow to access without SSN, and when I tried to bypass that requirement after more than 20 minutes waiting nobody answer.

I need to dispute these 4 transactions as merchandize not received. 
XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$90000.00} XXXX ) XX/XX/2023 {$90000.00} I went to the store in person to buy 4 smartphones XXXX XXXX XXXX, at the moment of the purchase the store didnt have on stock those smartphones so they add for free the delivery service by XXXX XXXX 
The expected delivery date given was, no later than XX/XX/2023 I never received the package, and I tried to reach the merchant to request the tracking number or shipment information, the status or even the refund or replacement. 
But was impossible, nobody answers. 
Please proceed with the merchant dispute as merchandize not received. 
Thanks
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (TX)

A relative of mine received a phone call from a company named Credit Corp Solutions and I have no idea who they are. I have never done any business with this company and they are calling my family members and harassing them. This company is in violation of the Fair Credit Reporting Act. This company must cease all phone calls and emails immediately
Consumer complaint received 2023-05-07
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. (CA)

Dispute letter written to all three credit bureaus separately on XX/XX/2023. XXXX, XXXX, Trans Union. 

Dispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written consent for this account to be furnished on my credit report.

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. 

Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. 

I have recently become aware that [ Amsher Collection Services ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ).

Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization.

I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law.

Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements.

In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ Amsher Collection Services ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review.

Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ Amsher Collection Services ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. 

Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Hi, I am in the process of purchasing a home and the loan officer requested I lift the freeze on my credit. I was able to easily temporarily lift the freeze with XXXX  and XXXX. 
Regarding Experian I've tried their online form and called all different numbers listed on their site. I also have the pin number they provided when I placed the freeze years ago. 
I've been trying for three days to speak to someone and am unable. I've called all the numbers listed on Experian 's website followed instructions and just get an automated loop nightmare. I've also contacted them via email and received no response. I also tried to create an account with them and couldn't. Experian is making it impossible for me to request a lift on my credit which is preventing me from obtaining a mortgage. Something I need to do immediately! 
I also contacted Experian 's business line and I was able to speak to a person who gave me the instructions on how to get to a human but it did not workout. I am unable to get to the option of unfreeze my credit. I am only provided with the option to freeze my credit or place an alert to my credit. These are all the numbers I tried : XXXX. Customer Service. 10 mins. XXXX. 
XXXX. 
XXXX. Corporate Offices. 7 mins. 
XXXX Credit Reporting. 35 mins. 
Customer Service. 
XXXX. 
sent email to : XXXX. Customer Service. 
XXXX. Fraud Detection. 10 mins. 
My wife as tried as well with no success. 
There is a glitch with Experian 's network and is preventing consumers from getting access to their credit. 
I look forward to your response. 
Kind Regards, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX  I purchased several XXXX watches from XXXX using my Citi Double Cash Card, but 1 item is missing from the delivery. 

The itemized product i purchased ( order detail page pdf attached ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} Item missing from the delivery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 1 {$350.00} I contacted XXXX on XX/XX/XXXX  and they asked me to dispute it with my credit card company. 

So I disputed the amount for the missing item which is {$350.00} out of the total transaction of {$2800.00}, on XX/XX/, with my Citi Double Cash Card ending XXXX, Dispute Case ID, XXXX; But I got rejected, see attahced " dispute_info.png '' screenshot and " dispute_letter.pdf '' document. 

The on XX/XX/XXXX  i contacted Citi through online chat and was asked to provided the itemized purchased item and missing item lists and sent them to their email ( see " XXXX, XXXX, XXXX '' for the online chat history, and " XXXX '' for the email screenshot i sent to Citi with the itemized order information they required ). 

However, on XX/XX/, got rejected again because of " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' ( see " XXXX '' ) I have done what they asked me to do to provide the detailed order info, but they keep rejecting the dispute with new reasons.
Consumer complaint received 2024-04-15
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. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-15
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. (MS)

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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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.