davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (SC)

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I have a complaint for transferwise now the company change the name to wise.com i just try to send money to XXXX from my card i m not XXXX much rich person wise company will deduct payment from my card n from.the bank but they will not transferring the payment to XXXX and the shocked thing he will destroy my account automatically i just receive a mail your email address is change either i m not changing my email now i try to login but app show me email password wrong pls kindly call me.whenever you have the solution and transfer wise does not have the customer service or any helpine
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/23 received letter stating account is closed XX/XX/23 called customer service line. Spoke to rep, who asked her supervisor if it could be reinstated due to the fact that my account is active and positive. She was told no. I asked to speak to supervisor and was placed on hold for XXXX hour. 

XX/XX/23 After hold I spoke to XXXX ( ID XXXX ) who said that they " don't have a procedure for disputing account closure. '' He was unwilling to listen to my specific circumstances because he did not have the authority to override the system. Later in the conversation, he mentioned that I had an option of " sending in a formal complaint to the general system, '' but warned me that " the answer would still most likely be the same. '' He said that his XXXX 's name is XXXX, but when I asked to speak to her, he said " that would be no. '' He offered to transfer to another XXXX at his same level, and I accepted. I was placed on hold for XXXX minutes. 

XX/XX/23 Spoke to other supervisor who listened to my concerns and said she would have her supervisor call me back within XXXX business days. 

XX/XX/23 Posted on social media sites. Received response on XXXX requesting that I private message them my phone number even though the message feature is XXXX on their account. When I plainly stated that it is XXXX, they stopped responding.
Consumer complaint received 2023-06-13
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-09
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. (CA)

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
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 2023-03-04
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: Experian Information Solutions Inc. (VA)

My name is XXXX 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 2020-11-11
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. (NC)

THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-03-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid with two of my company credit cards the sum of {$19000.00} and I already complained to the bank and the bank rejected my claim. I need the money back because paying that campaign where I made the transaction was a scam. The date is XX/XX/2023.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-04
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. (MD)

Greetings There are several accounts on my credit report that fell into the charge off category. However, They was letter settled but the third party companies have yet held up their end of updated the account of being settled. 1. XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX settled {$590.00}, XXXX  ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX settled {$440.00}, and XXXX XXXX XXXX XXXXXX/XX/XXXX settled XXXX ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX )
Consumer complaint received 2022-12-12
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. (MN)

I want XXXX to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : U.S. Bankruptcy Court of Minnesota, reference number : XXXX, XXXX XXXX Bankruptcy Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.
Consumer complaint received 2016-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

To Whom It Concerns ; Apparently, my original XXXX mortgage loan was sold to Freedom Mortgage.com, some years back. Freedom Mortgage referred me to XXXX, XXXX, who worked with XXXX XXXX for some reason. XXXX XXXX collected my mortgage payments, twice monthly, from my direct deposit, assumingly to pay my mortgage off sooner. It seemed these XXXX organizations had worked together and they knew each other. To confusing for me to understand how the mortgage world works together. XXXX XXXX applied my money to principles supposedly by means of 13 yearly payments. 
I am now informed XXXX, XXXX sold my loan back to Freedom Mortgage Corporation ; I thought they owned the original loan anyway. 
I 've spent the entire day trying to figure out what is going on with my money and loan and where to make my payments. 
For some reason the phone numbers I 've had to contact these entities " XXXX, Freedom Mortgage, & XXXX '' just go back to Freedom Mortgage. The XXXX representatives I spoke to have given me the run around and are insisting I enroll and set up payments. 
That said, further research has taken me to several disturbing websites ; including the XXXX, Consent Order issued by CFPB regarding XXXX XXXX. 
I have discovered a mortgage scam. I 'm quite nervous due to calling Freedom Mortgage for my year-to-date information for XX/XX/XXXX. The automated system declares nothing had been paid, " no interest, principle, insurance, probably taxes. '' An attorney corporation involved " XXXX XXXX XXXX '' and created XXXX bi-weekly program. 
XXXX XXXX has been sued for fraud and unjust enrichment in Federal Court, XXXX, Ohio. Freedom Mortgage gave him mine as well as other victims mortgage information. 
I 'm afraid to pay my mortgage to Freedom Mortgage Corporation ( FMC ) by XXXX XXXX, XXXX, for reasons ; 1 ) The XXXX representatives I spoke to seemed to withhold information to questions I had ; 2 ) today, I received the letter of loan transition from FMC with new loan account number dated XXXX XXXX, XXXX. Though, bottom of page shows Rev : XXXX/XXXX/XXXX. 
I am a single grandmother raising my XXXX year old, with XXXX school left in my XXXX, and am employed. I have never been late or had trouble making any payments regarding anything. Have lived in my small home since XX/XX/XXXX, when I purchased it. 
My feeling is I need a lawyer especially if my money has been deceitfully been misused or stolen for months. 
I hope my crisis is considered important to your organization and will be reviewed promptly. 
Thank you!
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

Disabled my login : https : //usa.experian.comXXXX Give immediate error no chance to enter login information. 
Access denied Error 16 usa.experian.com XXXX XXXX XXXX What happened? 
This request was blocked by the security rules Your IP XXXX XXXX XXXX XXXX : XXXX ( ID XXXX ) Incident ID : XXXX Creating a new account does this : We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT it appears that you have discriminated against my XXXX number.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am interested in processing disputes for all inaccurate information on my credit report with experian. please review an remove the invalid data asap. my file is incorrect all this data has been hindering my file.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX Chase bank closed my account. I contacted them to fine out why. They told me that something happened on my account and that is the reason they closed it. They told me that they don't have to give me the reason. At that point in time I had {$580.00} in my account. I've made several attempts to get my money back. As of XXXX XXXX they are not going to refund me my money. I still don't know the reason behind this. 

They locked me out of my account so I don't have any documents for this
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, and 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
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

I have relationship checking with BMO. BMO Harris is not ready for prime time or ready for external customers.

1. I couldn't open the online account. Have to do it over the phone - full 1.5 hours and it took around 10 days for them to open the account. This is the same situation for the last 2.5 years for BMO Harris. Even at that time i filed CFPB complaint but no improvement in BMO. 
2. ACH transactions to outside bank accounts of mine is not working. CFPB complaint filed- no action from BMO till now.

3. On XXXX XX/XX/XXXX XXXX  - I sent a XXXX  transfer to my own personal checking account at XXXX  XXXX ending in XXXX. That transaction was too slow but finally went. Money was available in XXXX XXXX on XXXX XX/XX/. I couldn't understand XXXX transfer is done in few minutes -why it took so long for BMO to do it. 

Today I tried to do another XXXX transfer from my BMO account to the same XXXX XXXX account ending in XXXX. XXXX transfer is blocked. I need to call BMO. BMO Customer service told me - unusual transaction that's why blocked. I said what unusual- it was done to the same bank - one week back. She had no answer. Stated that she submitted the request to take the hold off and it will take almost 5 days for the money to reach my account in XXXX XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor Capital One. I have no business dealings that include a contract with my signature to this creditor. The creditor have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}