davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BlueChip Financial (KS)

I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named spot loan whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called spot loan. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX  XXXX and XXXX and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

Back in XXXX of XXXX there were over XXXX fraudulent transactions done on XXXX of the debits cards for my account. When I called the representative I gave here the name Ive the company so she could process my dispute, I was then issued a credit for {$3100.00}. In XXXX of XXXX XXXXXXXX XXXX reversed my credit leaving my account negative {$3100.00}. When I called XXXX advised me that there was one authorization transaction included which is why my claim was denied. I advised that they should listen to the call, I never asked for that transaction to be included, that was an error on behalf of the employee. XXXX then informed me I had to put in an appeal. I put the appeal in right away. I gave it 7 business days and called for an update and every time I call they say the dont have a turn around time and theres nothing they can do. This has been an extreme inconvenience for my family in I. That was my husbands whole pay check, we trusted XXXX federal with our financial needs because they claim to be for service member and there families. My husband was recently XXXX and deemed 100 % XXXX from the United States XXXX, we need the fund to serve. We look forward to your help with this matter, please contact me at your earliest convenience. XXXX XXXX
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (MI)

I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called XXXX XXXX actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
XXXX. All of the XXXX inquiries are not authorized by me. 
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 XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On XXXX XXXX the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXXXXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-05-20
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. (WI)

This is my other 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, WI XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} Medical XXXX Balance Owed : {$58.00} Medical XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$56.00} Medical XXXX Balance Owed : {$240.00} XXXX Balance Owed : {$210.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WY)

Due to pandemic, I entered into settlement ( accommodation ) agreement with XXXX Comenity. ( Comenity Capital Bank ) on XX/XX/2021 with XXXX XXXX at XXXX XXXX. Account was paid current at the time request for accommodation was made. The debt/balance has been completely paid, however Comenity reported three late payments during the settlement process. According to the Cares Act, the law says creditor must report current paid status and no late payments during the Covid 19 natural disaster or face legal remedies.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I had hundreds of dollars of unauthorized charges from XXXX. I first tried to deal with XXXX and they only ended up refunding two charges. So I called Wells Fargo and to dispute the charges because they were unauthorized. They were suppose to get back to me in two weeks.. they did not. Just closed the dispute without telling when I was expecting to get at the least a provisional credit. I gave them any evidence and dates they asked for but I was told when I finally called to check on the status that they were not going to do anything about it. My entire bank account was drained.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid the entire balance to my Victoria 's secret card that was due XX/XX/XXXX and paid on XX/XX/XXXX making the account paid in full. on XX/XX/XXXX I was charged a {$2.00} interest fee for a XXXX balance. I called on XX/XX/XXXX as I had not received any statements, emails or phone calls but happened to see a balance on XXXX XXXX, I was told that my account carried a residual balance as I had not paid it in full when I made the original purchase. I complied with all monthly payments until making the final payment that was due. I signed into my account to find I owed {$14.00}, I was charged a {$2.00} interest on XX/XX/XXXX for a XXXX XXXX XXXX I was assessed a late fee of {$2.00}, XX/XX/XXXX another {$2.00} interest fee, XXXX another late fee of {$6.00} and on XXXX another {$2.00} interest fee for an account that has no activity, purchases or balances, they created the balance of {$14.00} when the account was paid in full before the due date. I sent them an email and was told to check the back of the statement and that was there response while they look at the matter. I wonder how many people they are doing this to for paying their accounts in full before the due date.
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX  account number # 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 : its 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 then seven years.
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-02-19
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. (IL)

It has come to my attention that both XXXX XXXX XXXX and XXXX XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TX)

My personal credit card with BB & T was either sold or transferred to Truist bank. Despite numerous emails and letters in the mail notifying me that I would be receiving a new " Truist '' replacement card in the mail, that never happened, I never received one. 

Starting months ago, I began calling, requesting that card, on more than one occasion I was notified that the card would ship within " 7-10 business days. '' However again, that never happened. 

Today, again for the fourth time, I contacted Truist. This time I was told that my account would be closed and no card would be issued to me because of a " past delinquency. '' There has been no past delinquency. I have never been delinquent on this or any other account. When I pressed the representative further, and asked, " when was this delinquency? '' She told me, " well we look at non-use as delinquent. '' This of course was very surprising to me in several ways. 

I haven't been able to use my account because they have never sent me a card.
Consumer complaint received 2022-09-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit repor
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

opened a checking account with chime XXXX and made 3 deposits totaling XXXX. 
also on XXXX i made a reservation with uhaul to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. 

I want the deposits returned and the account closed. 
thank you to whom ever will be investigating this matter. 

XXXX XXXX