davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive done a 1099 A on all accounts that is reported on my Credit Report to balance the books. XXXX, TransUnion, XXXX agencies have not updated my accounts, which theyre not doing their FUDICIARY DUTIES! This interference with Commerce title 18 Conspiracy. I have filed the proper documentation with the IRS that has been Approved and Accepted by them of all 1099 As which the IRS Treasury is the true bookkeeper in this matter. Along with filing the documents 3949A and 13909 ( forms for the Credit Unions ). This is defamation of character on my estate that they are trespassing. This is the CFPB ( Consumer Financial Protection Bureau ) your Fiduciary duties are to protect consumer by all means. I can send you all 1099s that have been accepted and approved by the IRS, if needed. It is the agencies duties to update these accounts immediately.
Consumer complaint received 2017-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.
Consumer complaint received 2023-11-01
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)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 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. 

PLEASE DELETE THESE ACCOUNTS XXXX CARD ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I lost my debt card at gas station this morning between XXXX to XXXX I use my card to get gas at XXXX XXXXXXXX went home and went to sleep woke up and realized my card and wallet was missing and received and alert saying my card was used to take {$3500.00} from an Wells Fargo bank atm machine
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXXXXXX XXXX XXXX sent a negative balance to collections. I had paid off the card in XXXX of 2023 and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my abusive husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of 2023 and again in XXXX of 2023 I paid off nearly every single debt. My score was XXXX and it has only risen XXXX points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in abusive financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (OR)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My last hardship application filed in XX/XX/XXXXXXXX  expired because I was unable to get my ex-wife to sign the application ; So on XX/XX/XXXX, I submitted another hardship application seeking mortgage hardship assistance. 

Meanwhile, I received a letter in the mail from 53 postmarked XX/XX/XXXXXXXX  stating that 53 will only remove my ex-wife from the primary mortgage and the equity flex line 2nd mortgage if I refinance at today 's significantly higher interest rates. Fifth Third points out that... 

" Spouses ( XXXX XXXX, the husband ) who do not want to be included in the application process or listed on the Note or obligation to repay the debt, are required to sign the mortgage on the property, as well as a few other closing documents. As her spouse, you were required to sign the mortgage, the Waiver of Borrower 's Rights Rider, and the Notice of Right to Cancel at loan origination. As you signed these specific documents, we are able to provide you with copies. HOWEVER, WE ARE UNABLE TO PROVIDE YOU WITH ANY INFORMATION REGARDING THE EQUITY FLEXLINE. AS YOU ARE NOT A SIGNER OF THE NOTE ''. 

The issue here is that the equity flex line of credit 2nd mortgage is not in my name but I am willing to take responsibility for it if 53 removes her name from the loan and the primary mortgage. 

I should not be put in a position to have my home foreclosed on due to the flex line of credit ( that is not in my name ) delinquency that I could have refinanced during the 10 months it took 53 to let me know the status of my hardship application, which ironically resulted in a higher equity flex line payment. It makes no sense that I should have to refinance at the higher interest rates that exist in today 's market when I had the opportunity to refinance ( in order to remove my ex-wife 's name from the primary mortgage & the flex line of credit ) when rates were lower, but as a tradeoff, I waited for the status/results of the hardship application. 

It appears that Fifth Third deliberately refuses to acknowledge their negligence and exercise their duty of care to me as a customer. 

According to XXXX... There are two ways to remove an ex-spouse from a loan : Release and refinance... A lender may release the ex-spouse from the loan. If presented with a divorce decree and a quitclaim deed, many lenders will remove the ex-spouse and leave the loan in the name of one spouse only.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

On the XXXX of XX/XX/2023, I had {$50.00} in my cashapp account which i then tried to transfer to my bank account. The app seemed to have glitched a couple of times and not cash my money out but once it did and i checked my account, cashapp had charged me twice for the amount of {$49.00} and only deposited it once. So I just lost {$98.00} when i shouldve gained {$49.00}. Both the bank and cashapp said that they didnt see the charges on their end despite my providing screenshots of the money leaving my account twice.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I am a XXXX XXXX XXXX retiree on Social Security and was a Victim of 2 Apartment Frauds through my Citibank Account 1st was a XXXXCitibank Fraud and Citibank helps the Criminals the 2nd was an Apartment Wire Fraud through my Citibank Account and Citibank again is of No help. 

Then Citibank FROZE my account I am a XXXX XXXX XXXX retiree on Social Security my SS goes to Citibank and they Froze my Account I can not pay rent, buy Medicine or even food I have NO ACCESS to my SS Funds for over a Month. 

Citibank Lies said they sent a Letter to verify me it came with no reference I even tried going into a Citibank Brance with my Passport, Drivers License, SS card, Medicare Card and Birth Certificate they will NOT help me close my Account. 

Not only did I become a Victim of Fraud Citibank has Locked me out I am Homeless because of Citibank. For GOD sake please help me. Account Number # XXXX
Consumer complaint received 2023-09-25
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. (NJ)

EQUIFAX Information Services LLC has obtained my social security number, account numbers, and credit card numbers from XXXX XXXX and XXXX without my authorization. I do not want EQUIFAX to have my personal private account information with these financial institutions. EQUIFAX also is sharing and selling my information to unknown 3rd parties. This is identity theft.
Consumer complaint received 2023-09-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Auto Credit of Virginia Inc. (VA)

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
XX/XX/XXXX  Auto Credit of Virginia summoned XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a debt not verified to collect additional payment on an obligation of the United States from an extension of credit backed by the full faith and credit of the United States. 
15 USC 1692F unfair practices taking a threat to take any non judicial action to affect disposition or disablement of property. There is no present right to possession of the property claimed as collateral through an enforceable security interest. There is no present intention to take possession of the property or the property is exempt.

15 USC 1692 abusive practices deceptive and unfair debt collection practices 15 USC 1605 Vehicle the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

[ Truth and Lending Act ] 15 USC 1679 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. [ Finance Charge Consumer Credit Transaction ] GOOD FAITH LOAN 15 USC 1662 ( b ) down payments not required No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX in the attached picture, I clicked on an ad which offered free samples of sunscreen. I was charged the shipping amounts below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$6.00} I made no further purchases with the seller. I left for a trip on XX/XX/XXXX to XXXX XXXX and returned XX/XX/XXXX ( which I can provide flight information for ). I returned to find two additional unauthorized purchases for large amounts on my card, one apparently made on the day I was on my flight. The fraudulent seller kept my card information. I received no product or service. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$120.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$110.00} It has been nearly three months and I have not received a resolution. This is the first fraudulent incident I have reported to Citibank. Despite their written guarantee of protecting credit card holders against unauthorized purchases ( which states " Youre protected against unauthorized charges on your consumer credit card account. At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ) ), they have withdrawn the credit to my account and I have spoken to a customer service representative who stated the act of providing my credit card information for the samples on XX/XX/XXXX meant that this fell under the 'scam ' and therefore not 'fraud ' category, despite the purchases being unauthorized. 

Additionally, I received a new ( different ) Citi card just five days ago and activated it. I had only made a single purchase before I found a new fraudulent charge posted today on this card : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} The Citibank representative told me that they had previously not provided the service that prevented ongoing charges from my old canceled card from rolling over to my new one! They suspected that a seller who had held on to my old card information now had made a new fraudulent purchase that simply rolled over, completely negating any point in canceling and obtaining a new card. This is absolutely unheard of to me and I can not imagine how an 'ongoing charge ' was established, for an 'XXXX ' no less, if the description is to be believed. They finally told me my next new card would have this service ( preventing rollovers ) and would credit this amount back to me. The admittance of this fraudulent activity and the denial of the previous one is completely contradictory. 

In any case, I have never encountered a bank with such a large loophole that sets the customer up to be so easily taken advantage of, and one which so clearly does not stand behind their own guarantee.
Consumer complaint received 2023-06-21
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2023-09-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and 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 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with XXXX XXXX  regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with XXXX XXXX  on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified TransUnion, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from TransUnion 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.