davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX and XX/XX/XXXX My Citibank XXXX Account was frauded by four XXXX XXXX for a total of {$990.00}. 
I never signed up for XXXX and did not even know I had it but Citibank included it in my XXXX XXXX. 
When I discovered it was fraud I immediately called Citibank to cancel the transactions which were still listed as pending. Citibank, who is one of the seven banks who owns XXXX refused despite the pending status because they market XXXX as " XXXX XXXX '' I immediately asked for an investigation and a week later I received a denial form letter from Citibank directing me to " contact the recipient '' even though they knew the reciepient was fraudulent. There was no attempt by Citibank to investigate, thus, Citbank is in violation of Regulation E Citibanks many violations : I contacted them immediately upon discovery of the fraud and while the transactions were still " pending '' and they refused to do anything to try and stop them. 
Citibank lied and told me they have nothing to do with XXXX, when in fact they are one of the seven banks that own XXXX. 
Citibank lied and said they would investigate but instead sent me a denial form letter. 

I received NO BENEFIT from these fraudulent XXXX debits to my checking account, but Citibank did benefit = a quick google search finds that XXXX fraud is EXPLODING. Citibank knows this as a part owner of XXXX but refuses to institute safeguards since they force their customers to bear the losses and wish to continue advertising XXXX as " XXXX XXXX '' I hereby request the CFPB to order Citibank to refund to my checking the fraudulently debited {$990.00} Thank you
Consumer complaint received 2023-03-06
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: CarMax, Inc. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (FL)

Received call from AR Resources INC. without identifying who they are first. Representative stated is this XXXX XXXX and I asked who is asking and the person did not want to identify his/herself. On XX/XX/19, I noticed this account was submitted to credit bureau without given me the opportunity to pay. I called the company and paid my debt. Payment confirmation # XXXX and AR Resources stated the account would be deleted from the credit bureau. Please have company expedite this request because I need them to take this account out of my report. 

Account # XXXX Paid in Full {$500.00} on XX/XX/19
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I seems like I'm never going to pay this car off. I had this car for 5 years in XXXX and it has XXXX miles on it and I still have over {$12000.00} to pay back. Yes I know I missed some payments but It just seems like with the high interest rate, I'm never going to be able to pay off this car.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with XXXX, XXXX, Equifax, & through the CFPB. XXXX XXXX has XX/XX/22 Account XXXX {$16000.00} reported to XXXX & on Equifax report is {$16000.00}. This is a direct violation under the FCRA and XXXX invoking my rights.
Consumer complaint received 2017-11-24
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX2017 I walked into an HSBC branch to change my last name to my married name. The banker assisting me, XXXX XXXX, attempted to upsell me on various HSBC products including a Savings Account, a Credit Card and Overdraft Protection. I agreed to change my account from Advance to Premier and open the Savings Account but declined the Credit Card and Overdraft Protection. He then sent me to a link to a website to open on my phone to digitally sign. On my phone 's screen it was nearly impossible to make out what I was agreeing to. Verbally, he assured me we were just opening the Savings Account. To my surprise, I opened my account the next day to see that a credit card was opened in my name. I called XXXX XXXX who assured me it was a soft pull on my credit report. When I did some more investigation, I discovered it was in fact a hard pull and when I called him back he denied ever saying opening a credit card would be a soft pull, let alone that he deceived me into signing up for a credit card I never agreed to. I attempted to resolve the issue through the bank but XXXX XXXX 's manager attempted to sell us on the benefits of the card and then a few days later, the bank performed a perfunctory investigation where they printed out the pages I digitally signed without acknowledging that XXXX XXXX had convinced me I was signing up for a Savings Account and not a credit card.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

My phone pickpocketed at a bar/disco on XXXX. They were able to unlock my phone & send money via texts, totaling {$5400.00}! I didn't realize anything until my XXXX  Watch notified me that I had left my phone behind. I asked my friends for help & began searching. It was eventually found on the bar with my wallet ( attached to the case ) so I assumed all was ok. The next morning, I notice on my laptop texts to numbers I don't recognize. I look & see that they are payments and get concerned. I look at my phone but all these questionable texts are deleted. Then I notice my NFCU & other banking apps are also deleted. I immediately call my bank, start changing my passwords, cancel my debit card ( was in my wallet ), etc. I had just gotten paid & my auto drafts ( mortgage/bills ) hadn't completed yet. Because of that they were able to take a large sum from my checking account and once that was drained, the {$1500.00} overdraft protection I have in place was maxed. Then my savings kicked in to cover the funds being sent out. My bank makes it sound like everything would be ok & place a provisional credit to my accounts for the total amount taken. A month goes by & my bank immediately pulled out the {$5400.00} ( again ). I call to ask what happened & they say the incident occurred on a 'recognized devise ' so they are not covering the fraud. I appeal explaining the situation again, providing screenshots of the texts, watch notification, police report, ect. Then yesterday I call for an update ( because they've NEVER provided any ) & was told that they again will not cover it because the transactions were approved. They clarified that by saying that the system had send texts confirming Yes/No and " I '' replied yes. BUT since my phone was not in my possession then, that wasn't me. Why would I make multiple, rapid, large late night ( XXXX ) purchases? To numbers not saved in my phone? Totaling {$5400.00}? That totally drained my Checking/Savings accounts & maxed my overdraft? Clearly that wasn't me.
Consumer complaint received 2023-03-06
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: AMERICAN EXPRESS COMPANY (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-02-16
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: Self Financial Inc. (NC)

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NJ)

I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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: SYNCHRONY FINANCIAL (FL)

The lender must file Form 1099-C and send you a copy if the amount of debt canceled if debit is XXXX or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

SEND ME MY FORM 1099-C that you should have sent when you filled the account as canceled debt! SYNCB you are furnishing inaccurate and incorrect information to the consumer reporting agencies. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! You have no permissible purpose to furnish this information on my consumer report!

By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate!
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 

XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX, dated on XXXX XXXX, 2023 XXXX. XXXX Bank, dated on XXXX XXXX, 2023
Consumer complaint received 2023-02-09
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-09
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-23
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. (KY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-09
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. (AZ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX and XXXX money was taken out of my account which I never received back and a lot of fraudulent overdraft fees etc etc which I never received or got back but it took a lot of money from me which always kept me in the negative
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX  XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.