davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

after pulling my experian credit report I seen there are XXXX names and XXXX addresses so I file a dispute online and over phone it has been working on this sine XX/XX/XXXX and the information is still appearing on my credit report online XX/XX/XXXX and XX/XX/XXXX called on the XX/XX/XXXX and XX/XX/XXXX and error are still appearing on my credit report
Consumer complaint received 2023-02-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-08
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I received an email today regarding an open bank account with Citizen Bank. The date is XX/XX/2021 at XXXX. I was sleeping at that time. And I have my own bank, on top of it, Im not working to open a new bank account. I reported and filed a complaint with Citizen Bank. Now Im afraid that someone knows my social security and my Date of birth and will use my information to open accounts under my name. And the bank representative also advise me yo report this matter to this website.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an unauthorized XXXX transaction on my Capital One account for {$1000.00} on XX/XX/XXXX. I provided proof that my phone was hacked and compromised on XX/XX/XXXX. Capital One denied my dispute stating that the payment was sent through a trusted device ( yes, I stated that when I said my phone was compromised and sent them proof ). They also claimed touch ID or face ID was used to make the payment which is a complete lie. I do not have Face ID installed on my phone nor touch ID. I did not make this transaction and they will not protect me.
Consumer complaint received 2022-10-27
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: AMERICAN EXPRESS COMPANY (FL)

AMEX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency AMEX
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I have two checking accounts with US Bank. One checking account had a hold on the account. The other checking account was without a hold. I also had a power of attorney agreement with my son to have access to both checking accounts because I am home-bound and unable to personally go to the bank branch. My son on XX/XX/2023 at approximately XXXX pacific standard time went to the USBank branch located on XXXX XXXX XXXX XXXX XXXX California and requested to the bank teller to transfer {$9000.00} from the checking account with the hold to the checking account without the hold restriction. The bank teller explained that only US Bank 's 24 banker can remove the hold on the checking account. Prior to XX/XX/2023, the 24 hour banker explained that only the bank branch could remove the hold. In addition, the branch bank teller also explained that the account holder who placed the hold on the checking account needed to be present at the bank branch to remove the hold, no hold would be removed to a person with a power of attorney on file with the bank. My son requested to speak to the branch manager. The branch manager, XXXX XXXX, agreed with the branch teller. My son called the 24 hour banker. The 24 hour banker disagreed with the branch bank teller and branch manager. The 24 hour banker called the branch three times, but, the branch manager refused to answer the telephone calls. The 24 hour banker transferred my call to US Bank 's fraud department. The fraud department also tried to call the branch manager to explain that the branch manager was mistaken and the hold should be removed. However, the branch manager refused to accept the calls from the fraud department. The branch manager told my son to go to the " home '' branch where the checking account was originated. The home branch should be able to remove the hold. The branch manager violated my civil rights as a XXXX person to do banking with US Bank.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2023 Re : Bank of America I received a new credit card for my account as the card was expiring. My complaint centers on the security code. My new card security code is XXXX. 

I am not a genius but why does a reputable company allow a card to be printed with XXXX zeros as a security code? 

Per the representative it is a random assignment. Ok but how is this helping to make a more secure card? 

Why is this allowed? I can ask for another card. It will have a new number. No big deal but why is a program allowed to do this? 

It is plain ignorant.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NM)

Dovenmuehle continues to try to collect my mortgage from XXXX despite expending my Forebearance so that the first payment should have been due XX/XX/2023 not XX/XX/2023. My previous complaint here shows that, however their finance department continues to try to say XXXX it was due. 
Everyone that works at this company is derelict in their duties and it takes filing a complaint here to actually get someone competent and/or inspired to actually do their job. 
Please update my records!
Consumer complaint received 2023-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, at about XXXX PT, I was notified through XXXX that a hard pull had been made on my credit through Bank of America XXXX 

I am currently in contact with Bank of America, XXXX XXXX Police Department, and XXXX but have been advised to also submit a claim here.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, a person claiming to be my bank, Chase Bank, contacted me regarding my debit card being used in a fraudulent transaction in New Mexico. This person knew my home address, my debit card number, and, throughout the call, knew Chase Bank procedures well enough to know when text verifications would be sent to my phone, when authorization requests would come through, etc. to the point I had little reason to doubt they weren't Chase. It wasn't until they asked about my PIN number right before hanging up that I suspected things weren't right. 
Immediately after hanging up, I checked my bank account and saw {$1400.00} of withdrawals had been conducted through an ATM located on XXXX XXXX in XXXX, TX, near where I live. I locked my card through my app, went to my local bank branch, informed them, and contacted Chase through the number on my debit card to inform them of the transactions. They cancelled the card and went through the process of issuing a new one which I received on XX/XX/XXXX. 
My problem is that according to a letter I received on XX/XX/XXXX, they will not be reversing the charges and all efforts I have made to contact Chase and get the case re-opened have not produced results. I went directly to the bank branch where the fraudulent charges took place and, other than photocopying the claim letter, did not receive support. I've contacted Chase on the phone several times, but they claim that since the transactions were made using my PIN, they consider the transactions to be valid in their system. 
I've made a police report to the city of XXXX, TX as part of this process as well. 
While I admit that I gave information I shouldn't have in the form of my PIN, as soon as I realized the mistake, I reported it and tried to take actions to prevent further loss. It seems that a reasonable assessment of the situation along with a simple check of security camera footage from the ATM coupled with the fact that I've reported the incident to multiple authorities should be enough to show that I don't approve of these charges on my account, despite the fact that my PIN was used.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (FL)

I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand these fraudulent items off to be removed from my credit report!
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CT)

The vehicle was involved in a total loss. The insurance company sent a check to Bridgecrest and it has been over a month and not yet applied to the account. Whenever I called they keep telling me they are checking on it, but the insurance company XXXX XXXX XXXX said it was cashed weeks ago.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received a phone call from Capitol One ( XXXX ) stating that someone tried to open a credit card in my name. I told them I never authorized this. They transferred me to the CFPB & I spoke to someone giving me a spiel about how I was being overcharged interest. I never gave them any info. I told them I had to set the phone down & when I came back they had hung up. I spoke to XXXX people in total & they were all very hard to understand, either XXXX XXXX. I then called the real CFPB & the very nice agent told me it was a scam. She gave me the XXXX XXXX XXXX numbers & I put an initial fraud alert on my accounts.
Consumer complaint received 2023-01-25
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)

Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX  during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I submitted a compliant XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX against unauthorized transactions made on XX/XX/XXXX and XXXX XXXX XXXX from XXXX ( the total amount of {$6600.00} ) due to properties were stolen. 

Upon receiving phone call from Chase Executive Office, the specialist requested me to submit an invoice to prove my phone and wallet were lost and I got a new phone. I then emailed XXXX the invoice ( see attachment ). The next day the specialist called me back to inform me that I am not responsible to the unauthorized transactions and XXXXhree days later I received another official letter stating the same that unauthorized transactions will be removed from my account ( see attachment ). 

On XX/XX/XXXX, the fraud department called me to discuss another unauthorized transaction I reported against XXXX and XXXX. In the conversations, we NEVER discuss anything regarding the previous resolved case on the {$6600.00} from XXXX. However, I received another letter on XX/XX/XXXX declared that I have to pay the unauthorized charges of {$6600.00} for the reason of " You notified us that this transaction is valid. '' I NEVER NOTIFY ANYONE THAT THESE TWO TRANSACTIONS ARE VALID BECAUSE THEY ARE UNAUTHORIZED AND ASSOCIATED TO A STOLEN CREDIT CARD. This is annoying that I have to be bothered by these unauthorized transactions that should have resolved again and again. I request a higher level of supervisor to review the mistake and false statement on the letter Chase made since I do have official letter saying the transactions are removed from my accounts since the previous case closed.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2024-04-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

I purchased the card on XX/XX/12 at a XXXX XXXX XXXX. Today I tried to use the card. It shows a transaction pending that it will not let me dispute. I did not authorize this transaction and I hold the card. Vanilla will not let me dispute and says no pending transaction when there is one listed at XXXX XXXX XXXX for {$110.00}. The card had {$120.00} on it.
Consumer complaint received 2023-02-02
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-02-16
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX   XXXX   XXXX    XXXX     XXXX    XXXX  VA  XXXX  #  XXXX  dob  XXXX / XXXX /  XXXX   Transunion,  XXXX  and   XXXX    will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Consumer complaint received 2023-02-16
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. (TX)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX