davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (TX)

Have tried multiple times by phone and through the banks online contact page to get {$3000.00} in fraud charges removed from my HSA savings account. The bank issued a debit card on the account which I never received. I did get the card stopped, but the bank refuses to respond to the fraud reversals.
Consumer complaint received 2024-06-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Glasser and Glasser, PLC (MD)

I had created a payment agreement with an Attorney from Glasser & Glasser ( place debt was transferred to ). This agreement was the 2nd agreement made prior to the court date. The first agreement defaulted, I was not aware that Glasser does not accept accounts that are linked to a prepaid card so the payment withdrawal kept cancelling after the payment defaulted. This happened a few times so they continued the trial for XX/XX/XXXX. I could not reach anyone till day before trail. 

All of this was last minute but I created the 2nd agreement with an attorney to avoid judgement in the trial that I could not attend. Glasser & Glasser sought a judgement and I was told the Attorney was aware of the previous agreement but they did not share that. They never sent me a notice for the 2nd agreement made XX/XX/XXXX. What they gave me was a proposal document that they claimed was made by me and an attorney after the judgement. They did not note my first payment in the notice and just put next scheduled date as XX/XX/XXXX. On the next page it states a payment was already made but it does not acknowledge that the agreement was made XX/XX/XXXX. 
Instead they put the date agreement was made. 

I have been asking for the original 2nd agreement and each time I ask for that they tell me someone will get back to me regarding that. They asked me about my payment for XXXX and continue to ignore my request to speak to someone regarding the agreement made XX/XX/XXXX. I told them I can't continue paying because they made a new agreement after the court date without consulting me on it or sharing that they canceled out the agreement made XX/XX/XXXX. I spoke to someone last week and I was told that an attorney called me XX/XX/XXXX to complete an agreement. I told them an agreement was already made XX/XX/XXXX and I need to speak to someone on why a new agreement was made without my permission It looks like they lied when the 2nd agreement was made but I have proof of payment being on XX/XX/XXXX, which is the day me and Rep I spoke with agreed would be the first date of payment. Every Time I've reached out to Glasser & Glasser regarding this they told me someone will call me back regarding the issue but never get a response. I've been requesting for them to file a motion to vacate judgement based on an agreement previously made. Instead of telling me " no '' or its " not possible '', they have given excuses as to why they have not responded to my motions to vacate judgement. My motions and request has nothing to do with them filing a request to cancel. I've confirmed with 2 reps the date of the 2nd agreement.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OH)

This account has already been disputed with CFPB however it was sold to a collection company called ZIONS DEBT HOLDINGS. The previous company was XXXX, which is the dispute held on file with CFPB. The original account holder was XXXX  XXXX. Several times in XXXX I tried to cancel it and they would not let me. Likewise in XXXX under XXXX, I called and wrote letters to cancel it several times.
Consumer complaint received 2024-06-21
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: JPMORGAN CHASE & CO. (MN)

Been filing fraud claims with Chase due to my identity theft and as of this morning, Ive noticed that theyre rebilling me for these charges. Some of these charges, Ive confirmed to be fraudulent. They never supplied me with one explanation of why all they have done is sent me altered Statements. Upon calling the fraud investigation team this morning Ive been hung up on as Well, as lied to.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

Unauthorized wire transfer. 
Scam. 
4 different wire transfer were sent to a Banks in new York. 
I was victim of a Hacker who got acces to my bank account, I never said any personal information the hacker knew everything details about my account balance, password, username, phone number linked with this account. They sent a text messages " fake messages about a suspicious activity on my account Then the hacker called me on behalf of Security department to stop any unauthorized charges from a XXXX store, XXXX he always pretend to make feel like the bank is working to stop any fraudulent activity.
Consumer complaint received 2023-10-23
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. (TX)

According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.
Consumer complaint received 2023-07-07
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: CITIBANK, N.A. (MS)

My credit was ran without my consent or by someone pretending to be me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX of XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp. (IL)

Attached to this complaint there are multiple violations of Illinois law 1 accurate credit bureau reporting 2insurance involved when financing a car that turner acceptance requested the finance company does not mention as a lienholder XXXX XXXX XXXX and ove insurance I had XXXX XXXX XXXX XXXX XXXX proper treatment of contaminated fuel with the department of trnasportation that turner acceptance would not reposess via telephone call. Attached is a lawsuit I filed that turner acceptance XXXX XXXX and XXXX XXXX XXXX where parties and served.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a thorough investigation of my dispute and a response based on that investigation. However, your response does not appear to fulfill these requirements, as it lacks any evidence of an investigation into my claim of identity theft. 

I respectfully request that Equifax conduct a comprehensive reinvestigation into my dispute, taking into account all relevant information and documentation provided. This includes but is not limited to any police reports, identity theft affidavits, or other supporting evidence that I have submitted. 

Furthermore, I urge Equifax to provide a detailed explanation of the steps taken during the investigation process and any evidence or documentation obtained to support the conclusion that the account is indeed mine. This information is essential for me to understand the basis of your decision and to take appropriate action to address the fraudulent account on my credit report. 

Please be advised that I take this matter seriously and will not hesitate to pursue further action if Equifax fails to comply with its obligations under the FCRA. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZIONS BANCORPORATION (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with AMEGY BANK VISA was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge.
Consumer complaint received 2023-07-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$8400.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100000.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (GA)

Emailed as well as called XXXX portfolio company. I was told by representatives my last payment would be in XX/XX/. My bill still have a XXXX balance after 72 months of payments. Totally unfair and deceptive practices towards me, including failing to properly disclose interest rates and fees, misrepresenting the total cost of loans, and engaging in illegal debt collection practices.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd ()

I had a wise card and wise app on my phone as I travel to XXXX and XXXX quite often and its handy as I can spend on my card in local currency.I can also withdraw cash from any ATM in local currency, I was in XXXX and I needed a small amount of XXXX  to last me the night, I withdrew cash on XX/XX/23 at approx XXXX XXXX XXXX I went on with my night out as intended, I did notice the next time I checked my account I saw my only transaction but following that a list of consecutive XXXX, XXXX, - XXXX, - XXXX - XXXX - XXXX - XXXX - XXXX These were followed by several attempted withdrawals but no Monet was delivered after that, the Total in XXXX taken fraudulently was XXXX this equates to XXXX I froze my card immediately and disputed said transactios on wise app as fraudulent I received e-mail saying in receipt of my report etc, a series of requests including obtaining a police report via action fraud website ( they gave me details as I could not report it on XXXX  police website as language was not translating into XXXX and reported XXXX XXXX number XXXX XX/XX/23 Several, requests and lots of waiting etc resulted in Wise informing me that they could not prove fraud and were not reimbursing me and closing my account, virtually calling me a thief, I was furious but no way were they reimbursing me, Id stated I must have been pick pocket after perhaps someone saw the pin I had entered ( Im presuming ) I went on to inform them that I was not happy and also the fact that wise had a cap on ATM withdrawals per day of XXXX and my card was used multiple times as detailed above totalling XXXX over 4 times what wise own limits stated on app and on net. 
I disputed all but the one transaction I made and informed them that even they could not prove fraud had taken place ( they could not prove it was not ) and my next argument was that if the card limit had been adhered to my liability would have been XXXX and not over XXXX but again it fell on deaf ears and even though I ponded it out to them on several e-mails they never once responded with anything relating to this and not once acknowledged their mistake under their own terms, I feel aggrieved because they had me jumping through hoops, dragging their feet. between answering my e-mails and putting pressure on me trying to claim, not only have I lost over XXXX it was the implication that Id acted fraudulently and closing my account and when I obtain any other bank account it may ask me have I ever had an account refused or indeed closed my reply obviously has to be yes for suspected fraud ( wise not put that in writing ) Regards XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

I contacted Equifax XX/XX/2022 about these unauthorized inquiries on my credit report. I stated to them that these inquiries were authorized by me and that they needed to be removed. A representative stated to me that they verified these inquiries with the companies and that they will stay on my credit file. I asked them for the individuals information on who verified this information with and they did not send me any information to show me what was verified.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

THE DEPARTMENT OF EDUCATION KEEPS ASKING XXXX, EQUIFAX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.
Consumer complaint received 2023-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc. (NY)

I went to medical office and they said they accept my insurance before taking care of me. Now they are claiming they do not accept my insurance. I repeatedly asked them if they take my insurance before I accepted care. I dont know why they did this. I feel scammed.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

The individual alleges that XXXX XXXX XXXX XXXX violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and XXXX XXXX XXXX XXXX failed to disclose their right to rescission. 

Failure to Obtain Consent : XXXX XXXX XXXX XXXX allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that XXXX XXXX XXXX XXXX misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if XXXX XXXX XXXX XXXX fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.