davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

This account was opened in XXXX, 2019. It was used only once to purchase {$45.00} worth of mulch at XXXX XXXX 's XXXX, MA location. The account number is XXXX XXXX XXXX XXXX. 

After having not received a bill or the card itself, I called and notified XXXX XXXX that the card was lost or stolen and that no bill had ever been received. 

I subsequently learned that the statements and card had been sent to a wrong address. Despite several calls, at least four, over the next few months, the address was never corrected properly and statements, or the card, were still not received. 

In each of these calls I was told there would be no finance charges or fees. While credits have been put on the account they do not keep up with the finance charges and fees charged which are being levied on finance charges and fees. That should be illegal. 

I paid the bill in full for the amount of the goods purchased on XX/XX/2019. Their representatives take notes. This is all in their records and was so acknowledged in conversation with me. 

The last call was one month ago to point out that the address was still wrong and the interest and fees still on the statement. Again, I was told they would be removed. 

I also asked that they correct the information being sent, wrongly, to the credit rating agencies. The response was that I should call each of them and dispute the account. When I pointed out that it is their responsibility to fix their errors I was put on hold for a supervisor. I am still waiting. That is the second time that happened, the first was when I called and offered to allow a direct debit to a bank account to pay for the initial charge. Their representative could not tell me what that amount was and put me on hold to wait for a supervisor. I am still waiting. 

I have endured inept service, a lack of common respect, harassing calls and damage to my credit score. I would like written confirmation that all of this has been corrected, including rectifying the credit bureau reporting. 

I also sent a letter last month. The answer was non-responsive.
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (AR)

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FISERV INC. (NJ)

On XX/XX/22 my debit card was used to pay for a utility bill in the amount {$9600.00}. This was a fraudulent charge. I did not have any outstanding utility bills. The reason why I did not see this and I reported it to the bank so late- a year later- was because I had {$150000.00} in my bank account so it was an oversight on my end. When my accountant did my bookkeeping this year for my taxes, he noticed the unusual charge-That is when I noticed this was an unauthorized transaction. Unfortunately, the bank is unable to credit me because its been over 35 days. I also attempted to call the merchants where the bill was paid, and the merchant was unable to give me any information without an account number. I do not have an account number because this is a fraud. Any help would be appreciated so that I can recoup this money.
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GVA Holdings, LLC (CA)

There is a company that I requested a loan from before, after they did deposit money into my account I realized hw high their apr was and paid them in full right the way and stopped business with them. However, just 3 months after on XXXX/2022, that company did deposit funds in my account I think ( I do not look at my account on a daily basis, I am busy and don't have to look when I Know that I am not applying for anything ), after that they started taking money from my account on a 1 week sometimes two weeks basis making it a total of almost {$4000.00} now, putting me in trouble and issues while I am busy taking care of my sick dependent. This means that they used my personal information, including my social to do request something I never authorized. I filed a dispute with my bank but they weren't able to help. so I filed a police report and identity theft. I was promised by the company that they will refund my money, but last time I spoke to them they said that they can only refund money from after the police report. I am planning on suing, but prefer resolving this in a smart manner instead cause I have no time for this. I need my money back including the damaged it caused to my credit report, bank account, delays in purchasing what was important for the house including food on our table. 
I emailed them 5 times with no response, I called them maybe 6 times, every time they say someone ( a supervisor ) will call me back, no one ever did, and every time I call back the representative says that the previous representative requested that someone calls you but the call was never made. ESPECIALLY TIME! MY TIME IS PRECIOUS AND WAS WASTED The company is XXXX XXXX. Address : XXXX XXXX XXXX XXXX, MT XXXX customer service : XXXX Resolution : credit report repair ( loan opened without my authorization ) my money refunded {$500.00} waste of time, energy, health, money, nd credit damage. 
If to go through court, resolution will probably be XXXX XXXX as this is fraud and personal damage and financial impact during crisis
Consumer complaint received 2023-01-21
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: BARCLAYS BANK DELAWARE (RI)

In XXXX of XXXX, during a routine security clearance investigation, I was made aware of a credit card account in my name opened on XX/XX/XXXX. This account charged over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX. These charged were made across California, Florida and Texas. At the time, I was completing pre-deployment work-ups in XXXX, VA and XXXX XXXX to the XXXX XXXX XXXX I provided this information to Barclays Bank XXXX Delaware, to include a letter from my ship on Command Letterhead showing that I was XXXX, however, the Bank 's response was that the application had my correct information, therefore I was liable for the charges. This communication occurred in XX/XX/XXXX. The bank provided me with the application and charges at this time. Upon review of the application, I saw that while my name, address and DOB were correct, all of the other information, to include phone numbers, email, and mother 's maiden name were incorrect. I reached back out to the bank via XXXX, but the bank again stated that this was not enough information to exonerate me of the charges. Finally, after repeated attempts to ascertain what information would be sufficient to indicate these charges could not and were not me, the bank stopped returning my phone calls. I am attaching my correspondence with the bank, my letter from my ship, the balance statements, and the application to support this claim.
Consumer complaint received 2022-09-05
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. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-11-17
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-09-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I received an alert that someone tried using my personal information to obtain extended credit ( credit card ) from a personal USAA checking/saving account unable to pass the security questions. USAA pulled my XXXX consumer file without consent and proper authorization. My XXXX report was already had a freeze and all reports had a fraud alert at time this cyber-crime was committed on XX/XX/2022. USAA was contacted to further investigate. When I disputed the inquiry on my credit file, USAA claim the account was valid and refused. 

I received a letter dated XX/XX/2022, the person that drafted and sent the letter is unknown to USAA customer service and fraud dept. The fraud dept rep became hostile and unprofessional claiming she is not permitted to provide me with documentation used to open the account. 

USAA did confirm today XXXX that I am not eligible to open an account unless one of my parents was a member. USAA claim they are unable to provide me with any further information for investigation they will take care of the problem. I received no confirmation of the person and/or persons involved with opening an account in my name at a bank that serves the military. There must be an associated member attached to the fraudulent account USAA opened without my consent or proper identification.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FOX COLLECTION CENTER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOX COLLECTION CENTER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

Funds were being withdrawn from my account in a city 4 hours away, and caused my account to get overdrawn on multiple occasions. Wells Fargo never did anything to help me when I reported this on my account. I closed my account in 2016.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I am a victim of the Equifax data breach. I want all hard inquiries to be removed effective immediately. I sent via certified mail to Equifax a dispute letter and received no solution to my problem. Equifax data breach website confirms that I have been affected of the Equifax data breach ; I am attaching proof that I am a victim of the data breach as well as my dispute letter sent out XX/XX/XXXX. The following inquiries are still fradulently reporting on my Equifax credit report : XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (WI)

XX/XX/23 I called to close account and have the funds ( over XXXX ) wired to another bank. 

XX/XX/23 they closed the savings account. But as of this date XX/XX/23 have not received any of the funds.
Consumer complaint received 2023-01-21
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)

In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. XXXX hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus. Despite a recent dispute they are continuing to leave the information on my report, even with the proof of debt I have provided.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc. (OR)

I signed up with the company to send some money internationally. I provided my personal information including my driver 's license and credit card information. Once they had my information they refused to open an account/ Refused to give me any information as to why. They still have my personal information and I want it deleted from their records.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSO AN ACCOUNT THAT IS NOT LATE, A LETTER OF EXPLANATION IS ENCLOSED
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

Citibank has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Citibank is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Citibank shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, specifically the late payments for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.