davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XXXX I made a {$700.00} transfer from my Citibank to my XXXX XXXX XXXXXXXX account. Minutes later I receive a text message from citi ( which I thought was actually Citibank ) stating that there was suspicious activity on my account and I needed to vertify my account if I didnt want it to be blocked. I clicked on the link they provided and started filling out my information. I soon realized they were asking for too much personal information so I exited out the page and didnt think nothing of it. On XXXX my phone was out of service most of the day. I thought there was an issue with my phone carrier so I didnt put much attention to it. At around XXXX I check my emails and I noticed 4 Citibank fraud alerts. I quickly check my account and notice {$9000.00} was taken out of my savings account. My phone was still out of service so I had to use my partners phone to report the fraud. At around midnight I notice right before I received the Citibank emails there was an email from XXXX. It stated that my imsi was changed. I soon learned that my phone was hacked and thats how the scammer had access to my account. The next day I went to XXXX to get my phone fixed and soon after I went to the bank to open a new account. I did EVERYTHING the bank asked me to do. They have denied my claim 3 TIMES because they determined it wasnt a fraud but they dont want to give me any reason as to why they made that decision.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I noticed a XXXX transaction of {$1500.00} and a XXXX XXXX transaction of {$97.00} XX/XX/2022 at about XXXX. I then called Chase Bank on the morning of XX/XX/2022. I advised them that neither transactions were mine and was refunded back XXXX XX/XX/2022. I was then refunded {$1500.00} XX/XX/2022, was no correspondence or anything. However, because I was told that I would only be receiving provisional credit if the claim department took longer than 10 days, I assumed they were done investigating. Only for them to reverse the provisional credit XX/XX/2022. I immediately called Chase Bank to find out what happened, and was advised that my claim was denied because of the device used for the transaction. I advised the representative that I did call back as advised by my attorney to let them know that my device had been stolen. She apologized sincerely and said they will investigate further. I advised her that I can provide documentation as well and for them to call me if they need anything. I call 15 days later to find out my claim was denied again for the same reason and learn that the previous representative was supposed to give me a fax number for me to send my documents in regards to my phone being stolen. Please keep in mind that the XXXX XXXX claim of {$97.00} which was most likely made using the same device was approved.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have 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 an account without my written instructions.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (MO)

I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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  Account # XXXX XXXX XXXX XXXX XXXX XXXXr Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 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 years.

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.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I was contacted by XXXX in XX/XX/2017 attempting to collect an amount of {$110.00}. I advised the lady call I did know who that are an as far as I knew I did not owe them any money. The lady was told by me to provide me proof of the debt in the form of an contact or signed document that I entered into the debt an would happily pay the amount if I owed XXXX the {$110.00}. She stated that she did not have any document of this type. I informed her that would not pay the {$110.00} until someone could prove to me that I owe this debt. Then in XX/XX/2017 I received a letter from XXXX XXXX XXXX. A letter was sent to them stating that I do not owe this debt. This debt appeared on XXXX and XXXX  credit reports. The refuse to remove this item from the credit reports, but them still have not provided proof of the debt.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Debt collector Portfolio Recovery Associates , LLC Account XXXX Reference Number XXXX The first time I notice the fraudulent account, along with the fraudulent address attached to it was in XX/XX/2021. I reported the fraud then, to the credit bureaus. It was supposed to be removed then. Well, I received this letter attempting to collect a debt. This is not my address, nor my debt. I've never lived in OK. I've never taken out an account with XXXX XXXX. This is a fraudulent account. 
Thank you for your time. XXXX XXXX
Consumer complaint received 2022-05-17
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. (TX)

On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX XXXX Texas  Bankruptcy court. The XXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , Inc. to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable harm
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (DC)

- Received mailings about open account in my name from Comerica Bank - Called Comerica Bank and they said they would close the account - Comerica Bank rep also asked I contact FTC about this fraud - Comerica Bank rep also asked I contact credit bureau about this fraud - Comerica Bank rep also asked I contact XXXX to report this fraud
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (MO)

Company continually attempts to collect a debt that was discharged in a XXXX  Bankruptcy. This is illegal. I have notified this company multiple times through their website, as there is no way to contact a real person, that this was discharged and they need to purge my information from their system. They continue to harass me at least XXXX times a week. When I finally spoke to someone ( a real live person?!! after weeks of attempting to ), after explaining the situation, he hung up on me.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2024-02-20
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. (PA)

I recieve email from the 3 bureuas saying I'm using credit repair company to send out dispute letters for the negative accounts I have which is wrong. i'm the one who send out letters here 's the lists of accounts and inquiries I want or need to be deleted CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$53000.00} CHARGED OFF XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX {$54000.00} XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX {$27000.00} LATE PAYMENT OPEN XXXX  XXXX XXXX XXXX, XXXX {$3200.00} INQUIRY XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$53000.00} CHARGED OFF XXXX XXXX XXXX XXXX XXXX, XXXX {$54000.00} INQUIRY XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2022 I booked a one-night stay at a hotel at American Express Travel website . I paid with my American Express points. The total cost was {$150.00}, and it cost me XXXX points. Then in my XXXX statement of the American Express card XXXX it showed a debit of {$150.00} and then {$150.00} for credit. 

On XX/XX/2022, I canceled this reservation. I used online chat to contact American Express, asking to get back my XXXX points. The representative told me that I will get those XXXX points but my card will also be later debited the corresponding dollar amount of {$150.00}. 

It was not completely solved after more than 30 minutes online message chat. The representative told me that I should pay attention to my card transaction and contact them again if I see a debit of {$150.00}. I also contacted American Express 's twitter account @ XXXX. They confirmed that American Express will debit the credit account with the dollar amount. 

I am complaining because : I was charged {$150.00} and credited {$150.00} when making the reservation and will be charged again for {$150.00} after canceling the trip. I didn't get any service but my card is to be charged for {$150.00}. Af for my points, I used XXXX when making the reservation and will get those XXXX, ( keep even ), after canceling the reservation. 

What has surprised me the most is that it seems that American Express has been operating this regarding canceling reservations previously paid via points for some time. I don't know how many customers, when they request to get their points back after canceling the reservations, have been debited for nothing.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

They opened a bank account in my name in FROST BANK with a cashier check from my XXXX XXXX XXXXXXXX XXXX XXXX. 

I went to FROST BANK to do the report ( XX/XX/2022 ), I call XXXX XXXX, XXXXXXXX XXXX  to report the cashier check from them ( XX/XX/2022 ) and I did the Police Report ( XX/XX/2022 )
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2022-05-17
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: OneMain Finance Corporation (MO)

I have written One main several letters asking for verification of this account and updated accurately. they still failed to update it correctly. All three reports continue to show different closing dates and different last payment dates. I have also informed the credit bureaus and they continue to fail to do a proper investigation.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-06-11
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. (MS)

There are some inquiries on my report that after contacting the company and trying to get more information and get the inquiries removed they were unable/refused too said i had to file a ftc report XXXX I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXXL inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Five Clans Lending LLC (OH)

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Elk Lending, LLC DBA Elk Lending. On XX/XX/2022, Elk Lending used an eCheck to debit {$210.00} from my bank account. This transaction was not authorized.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NJ)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # 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 an account without my written instructions.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (IL)

It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).