davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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: W&A Intermediate Co., LLC (NC)

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions.

Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

Company and employer XXXX issued a paycheck for {$4900.00} to me and a mobile banking transaction was completed on XX/XX/2023 w/ Fifth Third Bank. Availability of funds were never made available as Fifth Third returned check marked as fraudulent. XXXX was to reissue check but never did. I have not heard from XXXX since the incident, no contact w/ employee, no wages paid for work, and no check reissue. I was a proven loyal, and honest customer to Fifth Third Bank.
Consumer complaint received 2024-04-12
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-10
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. (NY)

I found a lot of discrepancies on my credit report from Experian and i have right to privacy under 15 USC 1681. Experian did provide an original contract with my name, address, phone number and signature for this account. Experian did not provide a breakdown of billing and payment history for this account. Experian did not show that the creditor have right to collect this debt. 

I demand the account listed below be remove from my credit because Acounding to 15 USC 1681 i did not give Experian permission to furnish this information ACCOUNT # XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

I received a call from Wells Fargo XX/XX/XXXX saying there was suspicious charges on my debit card. I went through the charges with the rep, and we shut down my debit card and issued a replacement new card to be delivered by XXXX on XX/XX/XXXX. I never received this card, but it was used on XX/XX/XXXX at a Wells Fargo ATM to move {$3000.00} from my savings to checking. They also increased my withdrawal amount from {$500.00} to {$2000.00} and were successful in taking {$3000.00} from me illegally. Wells Fargo called again to notify me of suspicious activity and I confirmed it was not me making these transactions, my card was shut down for the second time, and I changed my username and password for my online banking account, and changed my account numbers. I also filed a fraud claim with Wells Fargo and a police report with my local department. On XX/XX/XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day I reopened my claim, confirming once again I did not make these transactions on my account. 

On XXXX I was notified by Wells Fargo that my fraud claim was resolved without evidence of suspicious activity. On the same day, I called to reopen the claim but was told that I could no longer reopen my claim. I was also told that it would take 30 days to receive written details as to why my claim was denied. A Wells Fargo representative also told me my only option would be to visit where I was originally defrauded ( which was at Wells Fargo branch ) to have them submit a claim on my behalf to restart the entire claims process. I then called the branch to confirm this information and was told all they can do is call the same fraud department, but would not be able to assist further in gaining information regarding my claim investigation OR retrieve the funds lost from my checking account.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

I was notified by Discover Bank that 2 wire transfers in the amounts of {$24000.00} and {$24000.00} were processed from my account within minutes of each other. I immediately notified Discover Bank that these requests were fraudulent, and I was informed this would be handled by there fraud investigation team. I have been in contact with the bank numerous times since this incident and it has not been resolved. I recently learned that the request to recover these funds from the recipient bank was made by Discover Bank 6 days after they were notified by me that these requests were fraudulent. Discover Bank refuses to restore these funds to my account despite their negligence ( I was never contacted until after the funds had been dispersed ) and untimely response 6 days after my notification of fraud.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I made a purchase about XX/XX/XXXX for XXXX. I paid in full the purchases on XX/XX/XXXX. I returned part of the purchase and Macys credited my card account on XX/XX/XXXX in the amount of XXXX. I called the card company I believe XXXX and was told by some very XXXX  customer service rep that they must hold this payment for XXXX business days. I don't know if that is just their policy, but clearly not within legal rights but I could not understand the lady. She sent me to her manager, not much better could I understand, who said almost the same thing but not understanding there was no purchase. After I thought he understood, ( who knows ) he promised me the credit would be mailed but here we are on XX/XX/XXXX and its still sitting on my credit card account. I believe this is fraud on this card companies part, just hold on to a credit and make interest on it. I believe that this is now going back few years ago and the Credit card act of XXXX put an end to this but here we go again.
Consumer complaint received 2024-04-12
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. (SC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (SC)

I applied and used this card to make an initial purchase on XX/XX/2018.I loved the fact that they were supportive of veterans as I normally shop online. I have been waiting for a verification code or call from this company since then. I went online to register my card and was given a number to call. When I called that number I was told that I needed to wait for a verification code to come in the mail. To my understanding this code has been sent out in the XX/XX/XXXX. I have changed addresses and asked if another one can be sent out. I spoke to 4 different representatives who said there was nothing that can be done and I just have to wait for the code or phone call. However if I do not pay the balance by XX/XX/2018 a late fee will be added to my account!! The last representative that I spoke to was a liar and extremely condescending. She stated that all of the representatives we from her department and no one that I speak with is going to tell me anything differently. Someone is not telling the truth because the previous representative said that I need to get in touch with consumer fraud protection which supposedly is XXXX department  at XXXX. I have been a cutof XXXX  for years! And if this is they way that I am going to be treated then this company as well as its affiliates do not deserve my business. XXXX even went on to say that I can make a payment in the store but I still will not be able to use the card until XXXX can verify who I am. If they can not provide me with another code to verify who I am I am requesting that this account be closed and removed from my credit report. What is the point of keeping a blocked card?!! Abosolutely horrible customer service from corporate. This is absolutely unsure and unacceptable for a company who claims to support veterans. I am a XXXX XXXX XXXX XXXX veteran. Situations like these as well as customer service representatives like XXXX are contributing factors to why there are 22 veterans XXXX XXXX   everyday.
Consumer complaint received 2023-05-10
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: BERKSHIRE HILLS BANCORP, INC (NY)

Back when XXXX first hit in 2020 I had missed a payment of {$350.00} in XXXX. The company I worked for had cut everyones hours in half and I struggled to pay my bills on time. I have since payed off entire loan and otherwise have great payment history. I reached out to BERKSHIRE Bank to request missed payment forgiveness and even provided proof of my hours being cut. They said they do not have to forgive missed payment. Now its a few years later but its still on my credit and I have learned they the federal government had left it up to lenders to do the right thing. Unfortunately birkshire bank did not.
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I use XXXX XXXX to frequently help with paying off old debts and when I looked to get an update it showed that my auto loan through Santander consumer balance increased by XXXX to my loan between the month of XXXX and XXXX, I purchased my vehicle at the end of XXXX and my first payment was due XX/XX/XXXX and I called trying to see why XXXX dollars was added to my loan and they just kept telling me my current balance and kept saying I wasn't charged an additional XXXX dollars even though I made my payment on the XX/XX/XXXX and was not late and the balance reflects the dis charge an extra XXXX dollars is this legal.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX/2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) OXXXX XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called Transunion and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days  with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later,  I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and Transunion continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-12
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. (CA)

I looked at my report back on February 10th and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX ], [ XXXX - XXXX ], XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX - XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

Check The Attachments Below
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CO)

I am looking at buying a home and my mortgage broker needed me to unfreeze my credit with Experian to pull my credit report. Experian requires you to create a membership account in order to do that. I signed up, read the privacy policy and shared a ton of personnel information with Experian to include my cell phone, SSN, address, etc. Since the report was pulled, I have been contacted by several different companies, unsolicited, on my cell phone. I never gave Experian permission to use my information and now I am extremely concerned about my SSN and otherwise being shared without my knowledge or permission. I contact Experian immediately and requested my membership and all information be deleted. I am still getting calls. When I called Experian, the call center agent explicitly told me they do not share information, which seems to be a lie.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-02-03
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: JPMORGAN CHASE & CO. (GA)

Inaccurate Inquiries on 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
Consumer complaint received 2024-05-07
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 (OK)

on XX/XX/XXXX I had a transaction go through on my chime card that was fraudulent for XXXX, by the time I caught the fraudulent transaction it was days later, so call chime customer service they tell me that they can refund my money back in a month but I am approved for a credit when I ask when I was going to get the credit the credit was promised to me XXXX wks out!! which is absurd because we all know as adults we have responsibilities and things we need to take care of and these people are claiming to be a bank they should be able to refund my money immediately then do their investigation, but no instead anytime I call them I would either get hung up on or repeatedly told the same thing, I called the corporate office in California only for the lady to tell me she couldn't tell me any information and hung up, these people are frauds this has caused an enormous amount of stress on me and my family XXXX put us behind financially
Consumer complaint received 2023-08-04
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. (GA)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
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. (TX)

Fraudulent inquiries on 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