davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-14
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 — Their investigation did not fix an error on your report
Company: BSI Financial Holdings, Inc. (CA)

I'm a XXXX Veteran was in XXXX treatment and told the loan company BSI Financial services i would send payment later. 

THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS
Consumer complaint received 2023-04-05
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (MA)

I received notice from Citibank that I had successfully opened a checking account with their bank on XX/XX/2020. I never opened the account. I called Citibanks fraud department on XX/XX/2020, and informed them of this and that I presumably was a victim of identity theft. I instructed them to freeze the account at that time. I then filed a case with XXXX on XX/XX/2020, and followed all of the steps on the website, including freezing my credit with all 3 bureaus, filing a case with the FTC and mailing Citibank a letter, of which I can provide a copy. I then received a notice from Citibanks collection arm informing me I owed them {$68.00} on XX/XX/2020. I responded with a certified letter dated XX/XX/2020, informing them I disputed 100 % of the charges and demanded they send me all documentation related to the account, paper and/or electronic. I followed up with XXXX this morning and the site directed me to file a complaint with the CFPB.
Consumer complaint received 2020-06-14
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: Paypal Holdings, Inc (MA)

I have been using Paypal for years and it is linked to my Bank account only. I once had a visa debit card but when it expired years ago did not link one to paypal. 

On XX/XX/2020, I received a email from Paypal about a case that was submitted by some other Paypal account holder, Indicating that her account had been hacked into and there were 5 purchases made from me in the amount of XXXX dollars and some change. I was told that I needed to respond to complaint by XXXX XXXX. 

I went into my account and found activity that I had not initiated. I had not and did not sell anything to this person ever. When I checked more activity I found 27 Master Card Debit card instant transfer transactions that I never made. The total of those transactions was very close to the money from the account that was hacked into. 

I do not have a Mastercard debit card. My card is a Visa. I tried to file a dispute but because it was a master card debit card was unable to without going to payal chat as there was no way to contact by phone. 
Finally a dispute was submitted by customer service on my behalf. I indicated in my dispute that those 27 withdrawal from my account using a Master card debit card was not authorized by me and that I do not own nor have I applied for a Master card debit card. I questioned how this card was used to access my paypal account. I also questioned why red flags did not go up because my paypal balance is always XXXX. When I purchase most transactions are paid for using my linked bank account. 
I even indicated that there was something suspicious about money going into my account through a purportedly hacked account in almost the same amount as was instantly transferred from this fraudulent on the same date XX/XX/XXXX. All activity on that date. 

Paypal denied my case and I appealed. They denied my appeal saying they found the transactions consistent with my history. I asked them to look at my history and they will see that somehow the Mastercard Debit card showed up on activity statement for XXXX XXXX as a backup card. do not know how that happened. all activity prior to that only shows that I paid for my transactions and there is no back up master card.
Consumer complaint received 2023-01-06
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)

ALL THE ACCOUNTS I LIST HAS VIOLATED MY RIGHTS XXXXXXXX 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  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.

ALL THE ACCOUNTS IN THIS MESSAGE BELOW HAS VIOLATED MY RIGHTS 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 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 2020-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Dear team I had a car from Toyota in XXXX and it got burnt and the police report testifies and says that there is no quasi-criminal and it had insurance from Toyota and from the XXXX XXXX and where compensation has not been paid yet
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 early XXXX, my wallet was stolen from my home by a close family member unbeknownst to me and after the police officer allowed this person to come inside my home alone, while I was outside, to get their belongings. I awoke to alerts coming in on my phone of numerous transactions on my credit cards. I immediately called all credit card companies to report card stolen and was credited all charges. I called JP Morgan Chase to report my wallet stolen to include my identification, SS card and debit card. Upon reviewing my account, there was an {$800.00} ATM withdrawal from a Chase ATM. Chase initially provided a provisional credit and I thought the matter was closed. I additionally made a police report and took out an order of protection against the person. On XX/XX/2020, I reviewed my account to see the provisional credit was reversed and pending on my account : I was never contacted by Chase representative and had not prior official notification of this reversal. I called Chase Fraud on XX/XX/2020, waited over 2 hours and finally got through to an agent. The agent told me that it was reversed because the person used my pin on 1 attempt. I explained to the agent all circumstances to include I have a police report and protection order -So what did I do wrong? I also asked how someone could withdraw {$800.00} when my daily limit is {$500.00}. She could not answer and proceeded to connect with an agent in the ATM department. I asked this agent this same question and I was told " If someone uses their debit card at specific CHASE ATM 's they could withdraw 50 % up to {$3000.00} ''. I was in shock and so was the fraud agent as she had no idea this was possible either. I stated I was NEVER made aware of this at anytime and how could Chase allow this to happen. The ATM agent could not answer BUT stated if there was fraud and before he could finish, I stated there was fraud and Chase just reversed my credit. The fraud agent disconnected with the ATM agent and asked me to fax in my police report and protection order as she believes this is special circumstances and the fraud claim should be re-opened, HOWEVER there are no guarantees.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a long time customer of Capital One with both a Credit Card and Car Loan. Despite the very high interest they charge I have an an almost perfect payment record with both accounts. I was only late one time on the Credit Card account by a couple of days and have never been late on the Car Loan. Despite this outstanding record, Capital One has turned down my request for a modest increase in my credit line.
Consumer complaint received 2023-03-15
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-18
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Transunion credit report states that I had a XXXX loan and the car was repossessed. Thats inaccurate and needs to be removed. I sold the car to XXXX.
Consumer complaint received 2020-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

The name of the bank is MT Bank. They don't provide assistance and most of them are rude. I spoke to them since XX/XX/XXXX. One of the initial letters mentioned that there was assistance for those who were affected by Covid 19. Three options. One adding the missed payments to the end of the loan. Loan Modification and the last one I  don't remember. there customer service told me that even though my loan is backed up with an FHA loan I needed to ask them for help not them. They have an online request for Covid 19 assistance and she flat out told me that I didn't qualify. Do you know what forbearance is she said you clearly don't know. I had to call each month to make a payment bc they don't allow any transactions. After my third call they changed it and had to explain my account is in forbearance. Yes they are bill collectors and act like one. I was asking them for assistance only bc my husband is furlough and we need help. We made payments up to XXXX. I had to ask for loans bc Mt Bank didn't want to help us out. We don't qualify for anything it seems. they don't work with me only telling me to wait for a loan modification if I qualify. Others around me my neighbors have FHA loans and they moved 3 to 6 missed payments to their mortgage balance. MT Bank doesn't do that. I just had a call yesterday and there was no message left. 
My husband is out of a job so its frustrating using all our savings bc were too afraid of MT Bank. They don't want to help us at all. You don't qualify for nothing. While other banks with FHA loans are sensitive and don't play with you or make you feel like an XXXX. My loan is an FHA loan and I don't feel protected and feel that MT Bank could help more. Can someone assist me?
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one Neiman Marcus account I had some late payments so I got into a program to get organized and keep me on right track. After I started program and continued to make my payments on agreement capital one marked it as delinquent charge off. It is not correct I continued to pay on time and now the prof is not even listed it removed all together. They had not right to do that. I am current and paying my amount.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

I ordered a balance transfer to be sent from my account at CitiBank XXXX Credit Card to XXXX XXXX on XXXX. The mistake was due to the money being sent to XXXX the money app and NOT to XXXX XXXX  so I contacted CitiBank to let them know on XXXX A customer rep said she would file a dispute ( I was later told it should have been an investigation ) as to where the money was sent. Citi sent me a proof of payment which was useless to XXXX XXXX  as these were CitiBank internal numbers??!! 
In XX/XX/2024 after hearing nothing I again spoke to customer service and a manager at Citi. Then many phone calls afterwards and many managers promising to fix it. I finally sent Citi a Certified letter dated XXXX ( attached ) explaining that nothing had been solved in XXXX months. 
After sending this letter in XXXX and another letter dated XX/XX/XXXX to XXXX XXXX, and after calling yet again I received a letter from Citi dated XX/XX/XXXX saying they couldn't do anything because the transaction was too old!!! I have been writing and calling for three months. It's too old because CITIBANK credit card has NOT solved the issue. 

So I need help PLEASE. 

CITI needs to find exactly where they sent the money and request it back. I NO LONGER want them to do any balance transfers for me. Let them find the {$1400.00} they sent, REMOVE IT FROM MY BALANCE and keep the money they sent to the WRONG recipient. 
Thank you so much for contacting them on my behalf. I await their response/your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-25
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: TD BANK US HOLDING COMPANY (MA)

I noticed there was a charge for cheap flights from XXXX to XXXX of {$100.00}, there was also a {$3.00} foreign transaction fee. I called TD card services when I noticed it and reported this as fraud. They said they would send a letter to me within XXXX business days. 

I know for sure I did not authorize that amount of {$100.00} or the amount of {$3.00}, but it was approved anyway. It's fraud, and TD bank sent the investigation letter, and I opened the letter today. The letter stated they investigated the matter and concluded that the fraud did not occur because it matches similar sorts of past expenses I made ( my spending pattern ), which doesn't rule out that it is fraud. I know I did not make that purchase regardless of any past purchases I might have made, which is why I called them. I would have not called if that was within my spending pattern. Also, the letter only addressed the {$100.00} amount, but I also mentioned the {$3.00} foreign transaction fee as fraud as well when I was on the phone with TD bank, so in total it is {$110.00}. 

The letter was sent to me on XX/XX/2023. I just opened it now. I filed the complaint on XX/XX/XXXX. The fraudulent charges were on XX/XX/XXXX and XX/XX/XXXX. I still have not gotten refunded and I actually had to pay for these fraudulent charges, so my credit doesn't go down, but again they are fraudulent charges that were approved by TD card services, and I don't know how the fraudster got my credit card info, but I don't feel like there was a proper investigation to determine that. I make a lot of online purchases with valid companies, so I would think maybe someone got info online.
Consumer complaint received 2020-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.