davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (HI)

I am a victim of Identity theft, someone obtained my SSN, DOB, and opened two bank accounts in my name at my bank, but used a New York address which " red flagged '' the XXXX XXXX XXXX  Fraud Dept [ XXXX ], they called and I advised them it was not me so they closed the accounts. I contacted Hawaii Police Department and filed a report and openned an account with the Federal Trade Commission and followed their Identity Theft Guidelines. Which was to do Fraud Alerts and Account Freezes with the 3 Credit Bureaus. I contacted XXXX  and they were helpful : they put a instant fraud alert which they said they send to Equifax and XXXX, and  XXXX  froze my account with them, but said I have to also freeze my accounts at the other two credit agencies separately. I froze my account at XXXX  as well they confirmed the Fraud Alert. Then I opened an account with Equifax, on line and submitted all my information, had a password etc ; requested a Fraud Alert : ( 1 ) they said no immediate fraud alerts only the 7 year " write-in mail '' fraud alert ; ( 2 ) I am doing that ; ( 3 ) I tried to do an account freeze and instead Eqxuifax cancelled my account, refused me  access to freeze my account ; and refuse to allow me to freeze my account over the phone. Equifax is completely uncooperative with me. There is absolutely no reason I know of for Equifax to refuse me access to my account or properly deal with me over the phone I am complaining because I am an Identity theft victim, who is being victimized again by Equifax 's unreasonable cancellation of my account and refusal to deal with my phone calls after I identify myself, give them my ID, then ask me numerous questions about my alleged financial activities, which I would have to have all my records in front of me to even be able to answer. It is completely ridiculous. Why is Equifax refusing me access to my own account? There is something wrong, but they refuse to deal with me over my own accounts. I need the government regulators to investigate why they are refusing me online access to my own credit accounts when I give them all my personal information, email, password etc. It is very suspicious to me.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00}
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

In XXXX of XXXX  I purchased a portable dishwasher from Wayfair using the Wayfair Citibank Credit card and when the item arrived it was damaged. I contacted Wayfair and they promptly replaced item with XXXX hassle. I purchased an additional warranty from Wayfair for {$32.00}. Upon replacement of the item the warranty for {$32.00} was canceled and should have gone back to my Citibank Wayfair credit card but never did. I contacted Wayfair on multiple occasions and was told to talk to Citibank because they already sent the funds back to Citi. Citi refused to help and told me the only way to resolve this was to open a dispute and use archaic methods of proving to them that I was " owed '' the refund. Mind you the credit card is part of Wayfair. I don't want to pay to fax or mail them proof I was owed the refund because it doesn't make sense. Wayfair emailed me and advised it was due back to me. The two companies should be able to communicate internally and determine an outcome for me instead of putting me through expensive means of getting money back to me that is mine. I want the credit for the warranty refunded and my balance settled. I have never been late, skipped a payment. They owe me the money back and they need to follow up and take care of it. I've contacted Citi many times through Chat and I only get back AI or Computer Generated messages that tell me how to dispute a transaction. They are stealing from me at this point and need to be held liable.
Consumer complaint received 2023-06-21
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: National Credit Systems,Inc. (NC)

I have disputed and submitted information requesting removal of fraudulent account for collections for XXXXXXXX XXXX in the amounts of XXXX dollars XXXXdollars, XXXX. XXXX dollars and national credit system for XXXX dollars and XXXX XXXX This with XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

I have written letters to National Credit System to dispute a claim that is falsely listed on my credit reports. I am disputing this claim due to : 1. This is not my debt. 2. I do not owe any amount to this collection agency, I do not have an agreement with XXXX, nor do I recognize the alleged original account. 3. The name and address of the original account does not match mine. 4. This false account has already been deleted from my XXXX credit report, but still remains on XXXX and XXXX reports
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have an XXXX XXXX account added to my credit report from capital one for a XXXX XXXX XXXXhat the VIN indicates was written off from a collision, I did not apply for any auto loan from capital one. The said vehicle was an old vehicle that was repossessed and XXXX by a different financial institution about 20 years ago. Someone is XXXX  reporting this account with capital one and to other businesses. This scammer is making false reports about me to federal and state agencies. I have contacted capital one and requested the contract signed my me. They do not have details to provide me over the phone instead they are trying to collect on an illegal account that was entered into their system by a scammer.
Consumer complaint received 2021-03-11
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. (IL)

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (FL)

For the Month of XXXX, 2022, I was late making a payment on a new Regions Bank credit card that didn't show on my Region 's account online. The credit card was in my name and ended in " XXXX ''. After contacting Regions, they stated that even though my name was on the card, because this account was " Joint '', only my mother could access the account for making payments. They went on to say that there was nothing more they could do regarding the credit mark. The amount owed was around {$1000.00}, and was paid off the following month.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It is EXPERIANSs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MA)

I deposited a check with my friends name and it was bounced, my account was closed, then I came to branch they told me they need signatures of my friends to be able to legally deposit. Then I let them signed it, went to branch located at below address. 
XXXX XXXX XXXX XXXX, MA XXXX United States The lady who works there doesnt know that a check cant be deposited twice even if its legal but she still deposited it and told me it was fine. After 2 weeks I was told the check was bounced and I have to get a new check or they need both of my friends came to branch in person, however, they have left the country for a while and wont be back for years. 

They knew it cant be deposited twice and now my fund is still at somewhere I dont know and nobody is being responsible for this. Please help me.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, #... XXXX 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 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 2020-09-25
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: Phoenix Financial Services LLC (TX)

Hi, I have tried to resolve this matter with this company Phoenix Financial Services LLC, asking them to verify this incorrect information that they are reporting to All 3 credit bureaus in my name under my SSN to XXXX, XXXX XXXX, and XXXX. The company has not responded, after I have followed all the guidelines to get this matter resolved. They are reporting and they claim that I owe a balance of {$44.00} opened on XXXX. This information is not correct. Please note that I have asked them to verify this debt by sending me information that bears my signature to prove that this is a debt that I owe, they have failed to do so. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
I would like this information removed from my credit reports immediately.
Consumer complaint received 2021-01-05
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. (LA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I downloaded my credit report and analyzed it thoroughly. I disputed accounts and addresses. I updated my report and found accounts that did not belong to me. Some accounts still remained on my credit report. To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. I have not Supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume no proof The alleged Debt, nor therefore any such debt, in fact therefore exists.Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

During the Summer of 2022 due to hardship, I reached out to TitleMax for a loan on my car. I did not know this would turn into a nightmare. I was informed that the value of my car was {$6700.00} ( I later found out that my car value is between $ XXXX {$4000.00} ( more on the {$2000.00} side ) with a {$1100.00} payment per month to TitleMax. 

I reached out to TitleMax to inform them that I could no longer afford the payment and as always each time I have a question or a concern, I was informed that " you signed it or you agreed to it. '' On XX/XX/2022, I informed TitleMax that I was going to surrender the car and went in that day. The document that I had planned to sign was already pre-signed and dated by TitleMax. I informed TitleMax that I needed to read the document before I sign it. I decided not to sign the document because TitleMax wanted me to agree to a payment amount without knowing what that amount was going to be. 

On XX/XX/2022, I received a call from TitleMax regarding payment. I asked if I could get a copy of the document I signed. I was informed that it was against their policy to give me a copy of the document. I then asked if I could get a copy of their policy stating that and I was told that it was against their policy to give me a copy of their policy.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VA)

I received an email from Credit Karma Spend stating my account was locked. I received another email 6 minutes later stating my credit karma account was deactivated. I contacted customer service to see why. I explained that my money was in the account ( my tax return ) and I needed to access my funds. The representative who refused to give a name stated someone will reach out by the end of the day via email. No one reached out I called back and asked how could I access funds as I needed to ensure I had the money to pay my bills and feed my children I explained Im facing eviction and possibly bigger problems if I can not feed my children. The rep who refused his name stated he would notate it in the system and someone would email me, he also explained he put a ticket in. When I asked for the ticket reference number he stated he was unable to provide me with such thing. Ive been calling for days trying to obtain my funds thats rightfully mine. Im just at a lose right now especially due to the fact I can not feed my children. They are keeping my money with no explanation.
Consumer complaint received 2024-03-22
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint on the following dates : XX/XX/23 and XX/XX/23. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. I appreciate your understanding and prompt action.
Consumer complaint received 2024-02-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received the XXXX XXXX from my employer in the amount of {$900.00}. I tried to use the XXXX XXXX to make a purchase online and the card was declined. Thinking I miss typed, I tried several more times with the same result. I sent an email to the online store asking for assistance in making the purchase, they suggested it was being declined by American Express, not the online store. I reached out to American Express and they said its a security feature and it was protecting me. They said they would allow purchase at the online store but I needed to wait 2 hours, and then try. I waited over 4 hours and it was declined again. I contacted the online store and tried to make the purchase over the phone by giving them the e-gift card information and it was declined again. After talking to other colleagues, they are being declined as well but at a handful of other retailers and big online retailers like XXXX and XXXX. My employer sent an email confirming the issues and suggested we call the customer service and request assistance or refunds. Having gone through this already, I called and requested a refund. They told me they could not refund the e-gift card and that I should just try at other stores. I mentioned it wasnt working at other stores and I asked for a list of store it does work and they could not provide that information and suggested try it at different stores until you find one where it works. I asked for a manager and got transferred. The manager said she could give a refund but I need to provide a bunch of information and signatures and mail it to a random name and address that didnt have American Express in the name. I asked for this refund procedure information in email or letter form so I could follow it properly and they said they could not provide that and they could only give me this information verbally. At this time, American Express has taken payment from my employer and will not allow me to use the money. This is stealing.