davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I already have two XXXX XXXX branded cards so I had no need for a third. However, I am a frequent flyier and in XX/XX/2019, I accepted an offer to take out a Citibank Executive AAdvantage Card with the large {$450.00} annual fee because the contract guaranteed me free access for one year to their XXXX XXXX XXXX. However, all the XXXX XXXX are currently closed ( including the one here in my home base of XXXX ) and 90 % of their flights are not flying anyway. They have announced that the XXXX XXXX ( which were often packed with people at the best of times ) are unlikely to ever reopen with the kind of at-will access for which I paid {$450.00}. 

I have called Citi three times trying to get some sort of pro-rated refund based on the months I have remaining on my contract -- but Citi 's position is they are entitled to keep the entire fee. This seems like a blatantly unfair rip-off for a service they promised but are unable to deliver.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not have a contract with this company XXXX XXXX. This company continues to report inaccurate information and they are reporting charges that I do not owe! The company they are working with is XXXX XXXX XXXX ( sure deposit ) i have uploaded a copy of the letter from them stating the information reporting on credit file is inaccurate and they are going to fix this issue I do not owe XXXX XXXX  never had a contract with them this company was reporting I owe them XXXX but is reporting on credit file as XXXX the balance entire acct is not mine I have never lived in XXXX the XXXX XXXX they are referring the debt to.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently ensured that payments are made promptly on this account, avoiding any occurrences of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (VA)

After pulling my credit file and seeing this companies last response to my last CFPB complaint not only are they harassing me but they are reporting the wrong date on my credit file. This account was not open in XXXX. The last activity on it was XXXX when it defaulted. I have uploaded proof they lied on my credit file as well. They need to correct the date when the account was open and it is past the status of limitations as well so they need to remove it. I will be seeing them not o ly for harassing me but for lying and reporting the wrong info.
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Av XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (DE)

On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.
Consumer complaint received 2024-03-27
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-06-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account number XXXX with XXXX XXXX a debt collector, 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
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ..., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
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. (FL)

I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading Equifax, XXXX and XXXX are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.
Consumer complaint received 2022-11-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed 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
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

My mom died in 2004. My so called Sister in law pays me in a check for what? I do not know! The bank placed a hold on it. I need to get a copy of that check and determine what I was actually given from bank. I think XXXX XXXX write a check from her old XXXX account and burned me for the rest. She really XXXX XXXX the estate of my late parents. I am going to call bank and go down there to get copies. It still haunts me. I feel I got XXXX XXXX of Life Estate transaction after death occurred. I should have got a POD
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On the date of XX/XX/XXXX, I recieved a statement from capital one stating that I owed interest, I paid off all my cards before the due dates, and I was told multiple time by their customer service staff that I would not be charged any interest. Paid off my cards on the XXXX or XXXX, and the payments were due the XXXX, they charged me XXXX $ for nothing. I have bank statements that proves they received their payments on the XXXX. I have contacted them, gave them a chance to resolve this issue, through talking to one of their supervisors on XX/XX/XXXX, and they refused to do anything about it, their excuse was because they closed my account theirs nothing they can do, but they were the ones who closed the accounts. They are charging me for purchases for litterally nothing, I did try to contact the company in writing and they do not have anyone at the company who accepts billing issues in their company that accepts writing, phone only.
Consumer complaint received 2022-11-30
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Integrated Recovery Services (TX)

Hello I called the company My XXXX XXXX on Friday XXXX XXXX because another company saying I owe that company money. I have never heard of that company and I have never apply for a loan. So when I call the company they did not have anything on me. The other company that is called XXXX XXXX is harassing me about a payment that I have never borrow from. I am getting threatening calls from XXXX XXXX, stating they will take legal action against me. So can someone help me please.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am a XXXX XXXX with a Chase XXXX checking account. On XX/XX/23, I received multiple critical security alerts from XXXX  about suspicious activity within my XXXX  account and suspicious apps and malware on my computer that would allow someone to access my XXXX  account. Later that same day, someone transferred {$720.00} from my checking account to an account in the XXXX XXXX XXXX XXXX XXXX. I have not authorized this and someone has stolen my login credentials for Chase. I keep my passwords auto-filled and saved on my XXXX  account so when my account got breached the passwords went with it. 

I called up Chase immediately the next day and explained to them what had happened. Chase then locked my account and asked me to run antivirus scans on my computer before unlocking my account and setting up a new password. I ran several antivirus scans from several different antiviruses and they all came up negative. I then changed all my passwords and called customer service to unlock my chase account. On XX/XX/23 Chase credited {$720.00} to my account as they continued the investigation. However, on XX/XX/23 I received a notice from chase that the investigation was closed and that they believed the transaction was authorized. As a result, they are taking back the {$720.00} that was credited to my account. I had no part in this fraudulent transaction. I also filed an identity theft report with the FTC regarding this claim, as my personal information and passwords were stolen by the hacker. I have attached my FTC identity theft report and my XXXX  account alerts documenting the security breach. 

Chase still refuses to believe that this was a fraudulent transaction and return the money that was stolen.
Consumer complaint received 2017-09-18
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: CORELOGIC INC (CA)

XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (GA)

Subject : Complaint Regarding Identity Theft and Fraudulent Account Account Number # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of identity theft and a fraudulent account that has been opened in my name. I believe this incident is a clear violation of consumer rights, and I request your assistance in resolving this matter. 

In XX/XX/2017, I received notification from XXXX, a major credit reporting agency, stating that I was a victim of their criminal cyberattack that occurred in XX/XX/2017. It was revealed that unauthorized individuals had gained access to my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive details such as driver 's license and credit card numbers. 

As a result of this breach, my identity was stolen and subsequently used to open a fraudulent account with XXXX XXXX XXXX  I have never had any association with this financial institution, and I can confirm that the account in question does not belong to me. 

The impact of this identity theft has been significant and has taken a toll on my overall well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have experienced as a direct result of this incident required me to seek medical treatment. I believe that XXXX 's negligence in safeguarding my personal information and their failure to prevent unauthorized access to their systems have caused me substantial harm. 

I have taken immediate action to mitigate the situation by contacting XXXX XXXX XXXX directly to inform them of the fraudulent account. However, I am now turning to the Consumer Financial Protection Bureau for further assistance in resolving this matter and seeking appropriate remedies for the damages I have suffered. 

I kindly request that you investigate this case thoroughly and take appropriate action against XXXX for their failure to protect consumers ' personal information. Additionally, I urge you to support me in resolving the fraudulent account with XXXX XXXX XXXX promptly and ensuring that any negative impact on my credit history is rectified. 

Enclosed with this letter, please find supporting documentation, including copies of relevant correspondence and any other evidence that can aid in the investigation and resolution of this matter. 

I appreciate your attention to this complaint and your commitment to upholding consumer rights. I look forward to a prompt response and a favorable resolution to this distressing situation. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.