davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NC)

I applied for Citi Bank Access Checking account online via Application ID XXXX on XX/XX/year> and my account application was approved on XX/XX/year> with Account Number ending with XXXX. Subsequently, a MasterCard debit card and PIN was delivered to my mailing address within a week. However while trying to activate the debit card and register for online access to my bank account using the Citi Bank portal, the access is continuously denied. On contacting the Fraud Department, I was informed that my account has Fraud Alert raised and insisting to undergo verification by providing a mobile number with matching name as per the public database. Please note that my name is not being reflected against my mobile number in public databases due to the connection being prepaid. I was blatantly denied any other verification options like phone, mail, video, fax, branch visits, etc. They have even denied account closure before pending verification. Citi Bank has highly discriminated me for not having postpaid mobile number and treated me unfairly by restricting access to my account by severely limiting the account verification options. Also, I am being made liable for paying account 's monthly fee despite of denying me to use the banking services.
Consumer complaint received 2021-07-08
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. (IL)

I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. I have called and explained the situation but nothing has been done.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (MA)

I was sent card in the mail from Milestone. I did not apply for this card and when I called to cancel it I was unable because I dont want to give my personal information in order to talk to someone I was OBLIGATED to give my Social Security number when I told them I will give them the card number and you can confirm what you have on file as I dont want to give out any more information to strangers I was told NO. I dont want this card or need this card. 
I need it cancelled ASAP.
Consumer complaint received 2023-06-17
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. (CT)

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 2023-06-17
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Financial Services, LLC (MO)

XXXX XXXX XXXX XXXXXXXX  performed a root canal in late XXXX. I do not have a bill from that visit. They agreed to file XXXX insurance claims, then send me a bill showing pmts. and the balance due. The first bill I received only showed a balance forward of {$1600.00} with a note that acct. was 30 days past due, please pay promptly. I sent a {$10.00} check to acknowledge while my income cycle caught up. Next bill, no pmt shown-a repeat of the XXXX bill, only 60 days overdue. ( the check was cashed on XXXX ). I took a check to their office on XX/XX/XXXX. They refused it, saying that they had sent me to collections. I said I had not received notice of this intended action and they claimed to have sent me text messages about it. I don't DO texts! I requested an itemized bill at that time and was refused. I have received a letter from Creditors Financial Services , LLC stating the debt is $ XXXX-not the {$1600.00} billed by dentist and not reflecting the check that was cashed. I have verified that no insurance was filed, either. 
No original amount, no insurance filed, a pmt not credited, and conflicting billing amounts leave me bewildered and beleaguered. 

A letter of intent that is not returned by USPS is a reasonable indication of notice as is a telephone call answered by the customer. An e-mail could be a supported conduit, but is texting now a legally accepted method of notification? It can be sent to a phone that doesn't receive text or to a recipient that doesn't DO text. This is a mess and I need help!
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (NC)

I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (FL)

XXXX stated in XX/XX/XXXX that they repossessed the vehicle, yet when contacted to retrieve personal belongings, it was stated that the car was not in their possession at any time during the XXXX timeframe, and the result is that the XXXX XXXX police had no notification of said repo, and can not locate the XXXX XXXX XXXX anywhere in its jurisdiction or surrounding areas.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (OH)

Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, Equifax, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been going and forth with capital one about charges made on my credit account I also obtained a police report for the actions not created by me or no was permission given by any other party to use my credit card for personal or private use I tried to work it out with the company but I keep being told a police report wasnt enough evidence on my behalf
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2023-07-08
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. (DE)

A mail forward with USPS was placed in my name ( online ) and multiple accounts ( credit cards, loan, business loan ) were opened in my name through XXXX XXXX XXXX. The activity started in XX/XX/XXXX and continued until XX/XX/XXXX. I received no correspondence and had no knowledge of these accounts until they were in default.
Consumer complaint received 2023-04-17
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: Paramount Capital Group, Inc. (NC)

Between XXXX and XXXX of XXXX, I attempted to report and remove a derogatory account on my credit report. I filed a dispute through XXXX and wrote a letter to both XXXX and the reporting company, to no avail. 

The reporting company stated that upon review of my account, it is reporting correctly. 

Based on the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, the term consumer report is to exclude and NOT INCLUDE transactions and experiences, such as late payments, made between all persons involved ; consumers and the institutions. 

I, as the consumer, DID NOT AND DO NOT GRANT PERMISSION for this institution to furnish and report my experiences and/or transactions, such as late payments, to the credit reporting agencies on behalf of my personal consumer credit report. 

Per the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, per 15 U.S.C. 6801 and 15 U.S.C. 6802, the institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of my nonpublic and personal information and furthermore, have a responsibility to insure the security and confidentiality of customer records and information ; protect against any anticipated threats or hazards to the security or integrity of such records ; and ; to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I acknowledge that I have not been provided, by this institution, the necessary consumer disclosures that give the consumer the right and option to OPT OUT in regards to the furnishing and reporting of my personal financial data to anyone on my behalf, therfore by law, the institution is reporting my personal financial data and information to the credit reporting agencies, and any other 3rd parties, illegally. 

I am exercising my consumer right, based on the consumer laws, to ensure that this institution be held responsible for the unfair practices under all applicable consumer laws put in place by The United States Congress and The Fair Credit Reporting Act. 

As they DO NOT HAVE MY LEGAL PERMISSION to do so ; I require that this company immediately cease and rectify all non permitted disclosures of my personal financial data and information, transactions and experiences, to all credit reporting agencies, and any other 3rd parties.
Consumer complaint received 2024-07-02
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: WELLS FARGO & COMPANY (CA)

on XX/XX/year> i had a flat tire and contacted a company to send someone out to send help to me and they charged me XXXX dollars. the service was never given and no one ever arrived. further research into this company showed that it is a scam company and when i contacted wells fargo to help with this to refund me my money the investigation was found in favor of the company even though they never provided the service. the company is roadway rescues. when i asked to cancel the service after an hour of not receiving help they let me know they would charge me another XXXX dollars if i cancelled so i had no choice but to contact wells fargo for this transaction. today XX/XX/year> they sent me a letter saying they found in favor of the company and will take the money out of my account on XX/XX/year>
Consumer complaint received 2023-06-17
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. (GA)

This complaint is filed against TransUnion, XXXX, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both TransUnion and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. TransUnion reports XXXX. XXXX reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. 3.Date of last payment is also missing from all 3 bureau reports. 4. TransUnion reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. TransUnion reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over TransUnion was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both TransUnion and XXXX show XXXX 90 days late. Contrary, XXXX shows XXXX 90 days late. Which is it.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (GA)

The account was settled on XXXX XXXX XXXX. I have contacted Credit Management LP multiple times to request the closure of the account to XXXX  balance and deletion from my credit report. However, to date this issue remains and continues to negatively impact my credit rating. Therefore, I am demanding the IMMEDIATE deletion of this item from my credit report, close this account, and cease all collection actions.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This account is not mine. On top of that the account is over XXXX years old. I had this taken off before because the account was not mine and some how that was proven before. How could this even reappear after all of these years?
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX of this year, Chase support confirmed to me that they would grant me XXXX Ultimate Rewards points upon my completion of the minimum spend requirement. Excerpt from the Secure Message Center : " your account is eligible to receive XXXX bonus points after you spend {$4000.00} on purchases in the first three months from account opening. 

Also, our records show that you have not met the spending requirement yet. Once you meet the required spend, please allow up to eight weeks for the bonus points to be awarded. '' I noticed however that the progress tracker in the app said that I would only receive XXXX points, so I reached back out to support regarding this and received this reply, still stating that I would receive the XXXX points : " Hello XXXX, Thank you for contacting us. 

We're here to help with your inquiry about your recent request to match the New Account Bonus of your Chase Sapphire XXXX credit card to a new offer. 

XXXX, we'd like to inform you that the option to directly change your bonus offer isn't available yet. This is why it is still the offer visible for your account. 

We've set your account to automatically receive your additional bonus points within 6 to 8 weeks from the date you met the spend requirement. You don't have to do anything else. 

XXXX, we hope that we were able to provide clarification on this matter, and and appreciate you for choosing Chase for your credit needs. 
" When my account was only credited XXXX points, I reached back out to Chase to inquire why. They stated that I no longer qualified for the enhanced bonus- contrary to what I was told over a month prior. When I asked why I was mislead by their support, I was ignored. My requests to escalate this issue have also been seemingly ignored.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I have contacted Transunion several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Transunion has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (PA)

Binance US disabled my account on XX/XX/2022. I can't log in neither can I trade. I have {$6900.00} locked in my account that is rightfully mine. I also lost my money on XXXX XXXX to a scammer. I'm doing my best to protect my {$6900.00} in my Binance US account. They are not working with me to resolve this case and it's been a month.