davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

XXXX Account # XXXX XXXX XX/XX/2023 Balance : {$7600.00} I called the company XXXX credit card many times and trying to be help with my interest, I always paid on time but for health problem I wasn't available to pay the mnimo amount.when I called they say they not available to helping me with a payment arrangement and say Not.I was calling many time and trying to speak with differents customer services and say the same thing .we don't have any plan payment for you right now.trying to explain my wife was diagnostic with XXXX XXXX, Never wants to lissing.
Consumer complaint received 2023-10-16
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)

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX ACCOUNTS Name : XXXX XXXX XXXX Number : XXXX Name : XXXX  Number : XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. XXXX  Delete this Inquiry for fraudulent reporting becuase XXXX XXXX was reported on XXXX XXXX. XXXX Delete this XXXX for fraudulent reporting becuase XXXX XXXX was reported on XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 


Sincerely,
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : TRANSUNION Bureau Address : XXXX XXXX XXXX, XXXX, PA XXXX. 

I Need These list of Incorrect/Misspelled Addresses Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES 1. ) XXXX XXXX XXXX XXXX, NC, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.
Consumer complaint received 2023-12-26
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: SYNCHRONY FINANCIAL (MS)

I ordered a product from XXXX XXXX but after reading the " FINE PRINT '', I saw after the order was processed that it was a " recurring subscription '' that I did not intend to order, I thought I ordered a " XXXX time purchase ''. So, alter speaking with XXXX representatives on the phone, and not understanding their speech ( they can't speak XXXX XXXX too well ), nothing was resolved and after looking at the account online this morning XX/XX/2023 the charges are still pending and have not been reversed as the emails I have received states I would get a refund of {$190.00} and {$59.00} since the orders were cancelled. ( see attachments ) I received a letter stating to call representative but I have already spoken to XXXX or XXXX reps to no avail. Americans have the right to cancel orders before the order has been processed, and I cancelled the order with XXXX hours on the weekend ( Sunday ) .I have provided copies of the pending charges ( XXXX ) in total and I Only ordered the product " ONCE '', not XXXX or XXXX... XXXX have provided attachments in here to prove my case.I want my XXXX XXXX XXXX credit card XXXX XXXX XXXX Synchrony Bank ), the amount in dispute /question ....
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (AK)

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX has submitted a dispute and TD auto finance has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I went into a Chase branch to purchase XXXX money orders to start to pay off a debt that I owe to XXXX friends. After a moment the teller asked for my I.D and after XXXX minutes I was told they dont give out cashiers checks at that amount and the minimum is {$100.00}. I have never purchased one before so I was no aware of this. I feel as thought i was discriminated against and they thought I was doing something illegal. I told them I would return to purchase the money orders when I had more money in my account. When I tried to make a deposit into my account it wouldn't let me. I called to try and resolve it and Chase told me all my accounts were frozen and would be closed in 10 business days. I now have no access to my funds for 10 days and no bank account for no reason.
Consumer complaint received 2023-07-21
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. (GA)

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently consolidated all of bills and regular payments through an account with XXXX. I have been using this account for my mortgage, utilities, credit cards payments, etc with no issues. I updated my capital one auto payments recently. They payments were returned and i thought it was an error so I resubmitted them. After they were returned again, I called capital one to find out what the issue was because I have used my brokerage account for other card payments. They told me the payments were returned by XXXX because the account is not transactional. 
I made a payment over the phone via another account and adjusted my auto pays to a different bank. Immediately after, capital one restricted all of my accounts and sent me fraud letters stating that they were permanently closing my accounts because I was not meeting their expectation as a customer and accusing me of fraud ( via the title of the letter ). 
I am complaining because they barely gave me the chance to correct what may be a completely administrative issue on the side of either bank. I did not try to defraud them - I made a good faith effort as a consumer and they immediately assumed fraud. I would like them to reopen my accounts so I can close them myself and I would like the totally unsupported accusation of fraud removed from my records. They jumped to conclusions even after I explained what happened. 
This had been a terrible customer experience and even getting a human on the phone was no help because they just read the fraud letters word for word.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (TX)

I applied for a XXXX XXXX card and was approved. 
Citibank Changed my address and mailed to this incorrect address. 
After notification to Citibank a supervisor admitted to citi causing the mistake. They would again send a card. They again sent the card to a wrong address. 
Citibank then requested I reapply because of the time that had passed. I said it was not my mistake and another hard inquiry would effect my credit score. Citibank has various ways of determining if my credit had changed during this process through soft Inquiry. The card was closed. 
Citi then reported this address to the credit bureaus. I have numerous recorded calls from citibank. I have been called by citibank from a XXXX area code asking me to call XXXX. I have done so and they representative has no idea why I am told to call. I filed a dispute with the credit bureaus and they contacted Citibank and Citi claims it is my address. My address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. Citi has listed my address as XXXX XXXX XXXX XXXX Texas XXXX. This is a non existent address. I never received a credit card though several conversations were made and again a supervisor admitting that an employee entered the wrong address. The Credit Card was never sent to me. I dont feel it should even be on my credit file as I was never given opportunity to activate or use the Card. The address should also not be the n my Credit files. I have numerous recordings and also voice mail from Citibank. They have Wasted XXXX of hours of my time. I have followed every instruction given to me by various Citi employees and they have changed nothing. They know for example the address is not correct and when contacted by the Credit Bureaus they state to them it is. I have been contacted by other companies where I have an account after they are somehow notified of this address. This has also caused me numerous hours of explaining. I have never been late on any payments Or accounts I have ever had. I am close to an XXXX credit score. They wanted another Hard Inquiry on my credit due to their admitted mistake. I have also been questioned on why I have a Citi card opened and closed in such a short period of time and again I am questioned on this fictional po box . Citibank is well aware of what has transpired and has refused to correct the issue. If a person was one day late on a payment they have the power report this to credit bureaus. I have no power to show how Citibank has acted in this matter and again They were contacted by the Credit Bureaus by my filing of a dispute and refused to correct the issue. I am sure they didnt even bother to look they just tell credit bureau they are not wrong. If they had soent less than 5 minutes looking into to the claim they could have corrected it. Again I have numerous calls and voice mails from Citibank and they admit the mistake to me personally but not to the Credit Bureaus
Consumer complaint received 2023-04-18
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 (UT)

Someone hacked my chime account and stole {$9900.00}. I disputed it with chime and they denied the claim stating that no error was found. I dont know how that is possible when I never authorized those charges. And the merchants for the charges are fakes you can just XXXX  them and tell it was fraud.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX XXXX Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted XXXX  XXXX in regards to this account that is reported in my Transunion credit and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

TransUnion accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Johnson Mark LLC (UT)

This is the second experience I am submitting a complaint about regarding this law firm. On XXXX XXXX, XXXX, my wife was home alone with our XXXX little kids and a man came to the door. Based on the appearance of the man, my wife did not answer the door. The man stood outside of the door for XXXX minutes yelling trying to get her to answer the door. Finally it appeared that the man left, so my wife went and got into our car with our kids only to find that the man was waiting at the end of our road. He followed my wife for XXXX miles to our bank. As my wife was in the drive thru at the bank the man jumped out of his truck and approached the vehicle. My wife pulled away and he ran back to his truck and followed her to our other bank and while she was in the drive thru at this bank he got out of his truck and approached the vehicle again. I was on the phone with her right before this and she was crying and very upset. I told her to hang up with me and call the police. 

Before she could pull away he jumped in front of our car to block her, she was on the phone with XXXX at this point and as he walked up to her window she showed him that she was on the phone with the police. He then lifted up the windshield wiper and stuck the documents on the windshield. All of this is on the banks surveillance cameras. 

I mention the surveillance cameras because the last complaint I submitted about this law firm was quickly dismissed. In the words of the owner of the company that delivered the documents last time after an escalated conversation with him, he said, " If you do n't have it on camera, there 's no proof we did anything wrong. '' This law firm response for my last complaint was completely false as they stated that all applicable laws were followed. If my wife and I are experiencing this type of harassment, I can guarantee that others in Utah are also experiencing this treatment.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

XXXX  days later I have received no responses from them with validation pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. They had XXXX  days to respond and were supposed to remove from my credit reports until validated. They have willfully refused to comply.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, has violated my rights. 

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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Subject : Complaint Against XXXX for Sending an Empty Box and Refusal to Refund Dear Complaints Bureau, I am writing to formally lodge a complaint against XXXX regarding an incident where I was sent an empty box instead of the sneakers I purchased. Despite my repeated attempts to resolve this matter with DTLR, they have outright refused to refund my money. This incident occurred with a charge dated XX/XX/year>. 

I am extremely frustrated and angry at the blatant disregard for customer service and consumer rights exhibited by XXXX. It is appalling that a reputable retailer would engage in such deceitful practices. What makes this even more concerning is that this is not an isolated incident. It is a well-known fact among customers that XXXX has a history of unethical practices, including back-dooring their own sneakers, which further diminishes trust in their operations.

Adding to my frustration, Chase, my credit card issuer, has denied my claim for a chargeback despite the clear evidence of wrongdoing by XXXX. I am at my wits end trying to get a resolution for what is a straightforward case of fraud and malpractice. 

I expect a reputable body like yours to intervene and take appropriate action against XXXX to prevent such incidents from happening to other unsuspecting customers. I am seeking your assistance to ensure that XXXX refunds my money promptly and that measures are put in place to hold them accountable for their repeated unethical conduct. 

I also contacted XXXX after discovering the empty box and filing a claim with them. However, XXXX informed me that they did not have any information regarding the contents of the shipment and advised me to contact XXXX directly for resolution. Despite following XXXX 's instructions, XXXX has remained uncooperative and refused to take responsibility for the issue. This further exemplifies XXXX 's lack of accountability and unwillingness to address legitimate customer complaints. 

Thank you for your attention to this matter. I hope for a swift and just resolution.
Consumer complaint received 2023-09-10
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 (AL)

In accordance with the Fair Credit Reporting Act WF/DILLARDS Acct XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a 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 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 any purpose.