davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (TX)

On XX/XX/, I transferred $ XXXX to my XXXX account through my account in XXXX. I did another transfer of $ XXXX on XX/XX/XXXX  from and to the same accounts. With this funds on XXXX platform, I purchased crypto and transferred to a crypto trading platform called " XXXX ''. within few days, I came to know that these people are scammers and on the same day I raised dispute on $ XXXX via mobile banking app of XXXX. I called XXXX to raise another dispute on $ XXXX as I didn't see this on the dispute page in the app. On the next day the XXXX XXXX  able to reverse $ XXXX. But they couldn't do the same for $ XXXX. They said that the funds are no longer available with the beneficiary bank. I trued to login to my XXXX account to verify the same but they close my account without any notice. So now I can't login to capture the deposit details. XXXX gave me XXXX XXXX details to deposit which I used for both the deposits. Tried to reach XXXX XXXX but they said they are closed on weekend. I don't have an account in XXXX XXXX and can't access XXXX account. Am totally scammed for $ XXXX. $ XXXX through money transfers from XXXX XXXX  and remaining amount from XXXX XXXX transfers. Filed a complaint to XXXX to reverse the crypto transfers. But they replied that the crypto transfers can not be reversed. Now I lost $ XXXX after recovering $ XXXX through XXXX. Please help. I'll provide any other if needed. Am worried that, I uploaded my Selfie along with my Drivers license on to the scammers platform.
Consumer complaint received 2023-11-18
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. (IL)

I received my credit report on XX/XX/XXXX  and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (IL)

PPH mortage has reported in XXXX and XXXX of 2023. XXXX payment was made and delivered on XX/XX/XXXXXXXX XXXX and XXXX is not reportable on the XXXXXXXX XXXX of the month that it is due.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC. (FL)

I am experiencing harassment from a company that has been persistently contacting my relatives, bombarding them with phone calls, and issuing threats to both them and me over a past due amount linked to a firm called XXXX. I suspect that their operations are not legitimate. Furthermore, I kindly request your understanding as I lodge a formal grievance against this entity, Global Solution Biz LLC . The contact overseeing this matter is XXXX XXXX from the UCC Lien Enforcement/Litigation Division . 
Please note that the contact details are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX
Consumer complaint received 2023-11-18
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. (NV)

On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with See Tickets *XXXX  in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXXXXXX  with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. 

While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. 

After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( See Tickets *XXXX  ), and the charge was reinstated on my account. 

Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. 

I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank.
Consumer complaint received 2024-05-06
Product: Credit card — Store credit 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. (NJ)

I had a very XXXX XXXX on XX/XX/2019 and I was in a XXXX for XXXX  months, during this time someone used my Home Depot credit card. I realized it when I saw HD taking {$350.00} every month, I had an automatic payment setup for all my credit cards. I made a police report requested by HD and I sent it to the Fraud XXXX. I sent a statement and description of the situation, they promised they will take care of it and that I shouldn't worry about it. Today XXXX XXXX the amount increased from almost {$4000.00} to almost {$12000.00} I spoke to at least XXXX people from HD and/or CITIBANK and every time I have to repeat the story. They reported it to the credit borough and gave my information to many collection agencies. I am desperate, I don't know what else to do. I know they have the power to do whatever they want like kipp ignoring my request and hurting my credit, but now I have the hope that someone in your department can go to the end of this problem and finalize it. 
Thank you so very much in advance for your time and consideration in this matter, XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I'm contacting you to report that the following accounts and inquiries are not mine and I have been a victim of identity theft. I have listed on a separate document that I will upload all of the accounts reported that do not belong to me. I need these accounts deleted from my report as soon as possible because I am not responsible for these charges. I reported the identity theft to the Federal Trade Commission FTC and have copies of the FTC Affidavit and they need to be deleted IMMEDIATELY.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I need the bureaus to take into account the information they are reporting in my report and validate it since I have seen many inconsistencies in the report, I have sent notifications to them and they have all been ignored. Please take into account the attached documentation
Consumer complaint received 2017-05-03
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: Amsher Collection Services, Inc. (TX)

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the   XXXX   day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

People 's bank KEEPS defrauding me. They are accepting transactions against my account that exceed my balance just so they can charge me a {$37.00} over draft fee. I have told them twice before on the phone that this is not something I want or ever authorized yet they still continue to do it. In the few days they have charged me {$150.00} in overdraft fees for my account being - {$1.00}. This is theft. I called the bank again this morning on  XXXX / XXXX /  XXXX   @  XXXX  and told them to STOP stealing my money and that I do not want this overdraft service. I asked them to refund all the money they have stolen from my account and they refuse to do this saying I agreed to this which I NEVER did. The dates they have stolen from my account calling their theft " Overdraft protection ''  Two ti mes on  XXXX / XXXX /  XXXX   for {$74.00}, once on  XXXX / XXXX /  XXXX   for {$37.00} and again on  XXXX / XXXX /  XXXX   for another {$37.00}! That 's {$140.00} in  ONE  WEEK!
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is 3 auto loan accounts reporting on my credit profile and I would like them removed.1 account is 90 % paid off and even says I have no my monthly payment that my monthly payment is XXXX.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I requested a Withdrawal from my brokerage account to my checking account but my account got blocked. I tried calling in to see what was going on, but they just told me that my account is being reviewed. it's been over a week now and they keep telling me the same thing.
Consumer complaint received 2024-05-06
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: BARCLAYS BANK DELAWARE (MI)

Although I wrote them the previous year closing this account, Barclays Corporation paid {$49.00}. for a subscription I no longer wanted and sent me a bill. I wrote them asking for an explanation. They started billing me large punitive fees without trying to resolve the issue. They are being punitive and vindictive in trying to ruin my credit stating I am a major credit risk. Their fees are over {$300.00}. Why was this mistake made in the first place?
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OR)

At approximately XXXX Pacific Time , someone managed to hack into my account and move money from my savings to my checking account and then proceeded to spend {$1500.00} at a XXXX XXXX on Wednesday XXXX, XXXX. I woke up XXXX hours later to XXXX automated text messages from my bank as someone changed the phone number linked to the account and other information. I contacted Chime immediately. The charge was still pending- they updated my account information and noted that they could not do anything unless the charge went through. 
On Friday, XX/XX/XXXX, the charge went through. I contacted chime immediately to dispute the charge. 
It's important to note that I live in Oregon. I made charges only in Oregon. This charge came from New York. I noted this on my call with them. 
I woke up on Saturday the XXXX to an email saying they decided there was no fraud. Which is... insane. At no point have I have been to XXXX in New York. I live in Oregon. They barely got information from me. Why wouldn't they look at the phone number that someone changed in my account? Why wouldn't they look at the address the items were shipped to? I don't even understand how they " solved '' this so quickly.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX, someone deposited a check into my Bank of America account in the for a large amount which i did'nt have any knowledge of and without letting me know, they shut my account down a reported me to XXXX XXXX. Now i can't even open a bank account for something that wasn't even my fault.
Consumer complaint received 2023-04-20
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. (GA)

It has been well past 30 days since I submitted my dispute. Experian responded stating that upon completion of the dispute they will mail me results. They have up to 60 days, but they have not opened the dispute at all and it has already been 30 days. I do not believe that Experian really investigate consumer disputes. They sent a response via cfpb just for their due diligence. Once again, I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report. XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (CA)

Equifax Inc. has inaccurate and stale information on my credit report. Accounts and account balance updates are missing from my credit report. I receive regular monthly updates from all my accounts with XXXX and XXXX. I verified with my financial institutions, lenders, creditors that they do in fact report to Equifax for ALL my accounts. Equifax did an investigation back in XXXX when I called but no resolution. I also tried disputing missing accounts online but there's no option to do so. Based on my Equifax credit report, the last time all my accounts listed on my report, updates were last received in XXXX. But that doesn't make any sense when my creditors are reporting on a monthly basis and I personally see those updates with XXXX and XXXX. I think there might be a different report or reports that capture my creditors monthly updates. I recently noticed that all my XXXX XXXX XXXX that I currently have balances all disappeared from my Equifax report. That's strange, when I still owe substantial amount of money. Equifax needs to get the act together and investigate where my creditors updates are being reported too?
Consumer complaint received 2023-11-18
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. (FL)

i have the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXX/XX/ ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX of XXXXXXXX XXXX  ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX
Consumer complaint received 2023-10-21
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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. (SC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a list of Inquiries : 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 an 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 or 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.