davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Check Security Associates, LLC (MO)

A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

On XX/XX/XXXX, I paid {$99.00} to join a monthly XXXX membership with XXXX XXXX. We were supposed to have at least 2 monthly calls with her to help start a XXXX XXXX XXXX. She at the time was touring and did not fulfill her end so people started to dispute their charges and get refunds. This caused her XXXX  account to be closed so on XXXX she posted in the group, that the group would be closed and she initiated refunds for everyone for XXXX payments, and per XXXX, the refunds would hit our accounts on XX/XX/XXXX. Once XX/XX/XXXX came and went I disputed the charge via cash app and provided the screenshot of what she posted in the group regarding the refunds we were to get. On XX/XX/XXXX it was denied by Cash App, stating they found no error. On XX/XX/XXXX I submitted a complaint with CFPB in regards to this transaction and on XX/XX/XXXX cashapp responded again saying it was denied. Cashapp is not doing a thorough investigation as the merchant clearly stated we should be getting a refund for the {$99.00}.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I originally had a XXXX checkings account in the United States. However, XXXX closed their operations and my account was transferred to be managed by Citizens bank ( it was transferred apparently in 2022 ). My old account with XXXX did not have any maintenance fees but the new one with Citizens has THREE fees- {$9.00} monthly maintenance fee, {$5.00} service charge account fee, and a {$3.00} service statement delivery charge. These fees total {$18.00} each month. Citizens has been charging my account these fees since XX/XX/2022 ( in total {$90.00} ). They DID NOT tell me at all of these fees nor properly notify me. These fees are clearly predatory in nature. The service statement delivery charge - charges me for statements in the mail ( without asking me for my updated mailing address ), they didn't even try to do paperless which is free. The monthly maintenance fee requires that I do a deposit and withdrawal from my account at least once per month. I don't know many people who visit the bank that often - especially when we are STILL in a pandemic with COVID going on ( they did not even offer me mobile banking either ). 

For one, they told me that they notified me by mail - however, I have not been receiving the mail correspondence for two reasons. Citizens did not ask me to update my contact information - thus they did not know my updated mail address. I have been in the hospital multiple times this year due to severe health issues and in the time I do not stay in the hospital I have been staying with my sister who has been taking care of me. 

Thus, I did not receive proper correspondence - no one bothered to call me or try to notify me XXXX XX/XX/2022. I received a call asking me to update my contact information and that I was being charged fees. I was so shocked - how can you wait 8 months to ask someone to update their contact information, and charge their account for so many months without asking for their permission for the specific account type or let them know about the fee structure. 

I went into the physical branch as soon as I received that phone call and they printed out the fees for me to see ( I've attached the paper they printed out for me ). 

The fees are leeching in nature, fraudulent and Citizens bank did NOT take any proper steps to ensure customers knew of the transfer and of the account type + fee structure. I did not know about this at ALL nor would I ever agree to this type of fee. I want these fees refunded to me and I NEVER want to work with Citizens bank after this experience. 

Given I was an account that was transferred to them Citizens did not take the proper transfer steps and instead implemented predatory fees to take advantage of these customers who were not informed.
Consumer complaint received 2022-11-29
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. (VA)

In XX/XX/2022, I submitted letters to each credit bureaus, XXXX, XXXX, Equifax stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, XXXX, XXXX, Equifax stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police XXXX. I submitted all the documents request from the credit bureaus and still nothing.
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: RENASANT CORPORATION (MS)

On XX/XX/2022, we, XXXX XXXX XXXX XXXX found out that a repair check was cashed without our signature. We reached out to the insurance company that issued the check, XXXX XXXXXXXX XXXX. It was check # XXXX in the amount of {$380.00} made out to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The insurance company adjuster, XXXX from XXXX XXXX XXXX, a XXXX XXXX, advised she would have to get the affidavit of forgery from the bank, Renasant Bank. They are supposed to provide the documents needed to start the forgery claim. They have been uncooperative and have not provided the documents for us to get started.
Consumer complaint received 2023-02-02
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: DISCOVER BANK (PA)

Respected Sir and Madam. 

I am requesting information i need to report this bank very suspicious activity on my financial records since last 5 to 6 years. 

I have made a legal settlement with this financial institution, by following debt consolidation. 

Kindly help me remove this account from my credit report as reporting this situation to credit bureaus have them gone no where just following simple threats and also they have put XXXX XXXX XXXX XXXX XXXX XXXX. 

So the situation is very dangerous and i am scared for my life from this bank activity. 

Thank you.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

I used a company called XXXX, They stated they text me and call me-But it did not happen until I filed a complaint against them. They terminated our contract. I disputed it with Discover and they put the charge back on the account. I sent a letter stating I had 15 days to respond. I called them but they stated that it did not matter about the 15 day the charge stands. THEY merchant terminated the contract and not doing business with me. 
But Discover refuses to remove the charge
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2023-03-14
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. (MD)

XX/XX/2023 - XXXX wrote TRANSUNION over a year ago requesting that old or inaccurate personal information be removed from my credit report ; however, TRANSUNION has refused to remove the old or inaccurate information. In addition, I have one negative account which is over 8 years old ; however, TRANSUNION has refused to removed the information from my report. I want them to only display my current name and information and DELETE all other information. Also TRANSUNION consistently reports my credit score about XXXX points lower than XXXX and XXXX. Please ask them to update the information on my credit report. Thank you very much. I appreciate your assistance with this matter.
Consumer complaint received 2023-03-14
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

Received an offer for a Verizon Visa Signature Credit Card via Synchrony Bank, the mail piece I received has three rates listed on the back, 23.99 % for 'account type 1 or 26.99 % for account type 2 or 30.99 % for account type 3, and then all it has is one additional line that references account type 1 and it says, " a limited number of applicants are expected to receive account type 1. '' It has no other information about this. It's very confusing, how do you know what account type you're getting? it lists no criteria nor does it provide any detailed information.
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WI)

I used my cashapp card at a XXXX XXXX. Cashapp tends to hold fees after I checked out and it's for 31 days. I contacted cashapp and they requested To expedite this process, provide a letter from XXXX XXXX XXXX XXXX confirming the date they released the hold, or a receipt that shows a final balance of {$0.00}. This documentation must include the following : - Amount of the transaction or XXXX XXXX balance on the final bill - Date - Merchant contact info or logo I supplied the requested Information and they won't release.my funds much less tell.me.why they won't
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (FL)

On XXXX XXXXXXXX XXXX, I receive a letter from United Collection Bureau XXXX, trying to collect a debt I do not owe. On XXXXXXXX XXXXXXXX XXXX  I, responded back to this company Requesting full Validation of this XXXX. On XXXX XXXX, XXXX I received a response, from this company in the response was a letter stating that they have forward me the documents I requested. After reviewing the documents they forwarded me, they failed to Validate this debt pursuant to FEDERAL LAW 12 CFR 1006.34 and the Fair credit reporting act and the Fair debt collection act. Furthermore, the only documents they forwarded me was a bill statement with an address that I, have no knowledge of, along with a print out with inaccurate information such as an inaccurate address, phone number, social security no, and phone number. I forward this company a copy of a XXXX XXXX police report, and a federal trade commission Identity thief report, and a identity thief victims complaint and affidavit signed and notizaried. I explained to this company that I was a victim of FRAUD ... ... AND THAT THEY MUST CEASE ALL COLLECTION.
Consumer complaint received 2023-03-14
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. (SD)

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states that consumer reporting agent 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.
Consumer complaint received 2023-03-14
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-03-14
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc. (FL)

This company is abysmal. First they closed my account without properly getting XXXX which is their fiduciary responsibility as a bank. Then they charged multiple penalty XXXX  fees for them closing the card. As a result of their continuous lack of business acumen. They throw my account back into the XXXX by only allowing me to pay via mail. I get a notice saying pay {$190.00} and your account is back in standing I due so. I have sent countless checks to their address and the first time they misplaced the check and didnt apply. I have sent random amounts because I have no clue what is due because they have sent a paper statement since XXXX!!!!! I emailed asking why I havent received any statements and I get nothing. I call in and the operators can barely speak XXXX or know what a penalty apr or anything! How am I supposed to operate in XXXX  when a backwards disgusting company fails to apply payments sent to their XXXX XXXX XXXX! And how am I supposed to track payments without a statement!!!!!!??? Disabling online banking because you are a XXXX should be against the law!!!!!
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

A Credit Card and line of credit has been opened in my name thorough Chase Bank, a XXXX XXXX card. Upon spending countless hours trying to close it and determine why it was opened, how, and when. I am not being able to cancel or even get a person that can speak to me.
Consumer complaint received 2018-04-11
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: Experian Information Solutions Inc. (VA)

I called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/XX/XXXX
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (MS)

XX/XX/2023 I see a account on from XXXX XXXX XXXX that's not mine it's a fraudulent account an shouldn't be on my credit report for XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ). The following INQUIRIES ARE UNAUTHORIZED XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.