davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (CA)

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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wallet and a cell phone were stolen from my car 2 months ago. I immediately reported to credit card companies. The thief used my cards to purchase expensive items. I filed a police report soon after. There were 6 credit cards/debit cards in my wallet. All companies gave me credit back for the fraudulent usages but Bank of America Mastercard has refused to give me credit for the charges totaling {$17000.00}. They said they did not approve my claim because the charges were made " by the guarantor and/or authorized user ''. I am the only such person and I did not make the purchases nor I did not authorize such usage to anyone. I provided all necessary information including the police report. I went through this struggle with the credit card company 3 times already and they do not seem to budge and they are trying to force me to pay for the obvious fraudulent charges. I need help from your bureau.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX we took out a mortgage on the house we bought at XXXX XXXX XXXX XXXX GA XXXX. We paid on that mortgage until XXXX when we paid the mortgage off. We had the original mortgage with Suntrust Bank in GA ( acct # XXXX ) and it was still Suntrust Bank. 

This year, in XXXX we sold the house in XXXX. When we went to the closing on XXXX XXXX, we were told that we had a lien on the house because there was an open line of credit on the house but they could not tell is we owed money or not. We called Suntrust which is now Truist Bank and no one could find any trace of the original mortgage much less the " open line of credit ''!! We spent the next MONTH and hours and hours of our time trying to get this resolved. It cost us {$88000.00} at the closing!!! This money was held because Truist could not figure out what happened and apparently was not worried about fixing it. We filed a LIEN RESEARCH REQUEST FORM as we were told on XX/XX/XXXX ( the day we closed ) and were told it could take up to a month. On XX/XX/XXXX we spent another 2 hours on the phone with the closing attorney attempting to find out why it had not been resolved. No one we spoke with could find any evidence that it is being investigated. We do NOT WANT this hanging over us. It needs to be cleared up. I can find that we paid the mortgage but the closing attorney said they must not have notified the appropriate local agencies. We are at a loss!
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. 

but i have never contact this company.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection to XXXX and Transunion. I have not done business with this company. I am concerned about my identity. My personal information has been sent to a 3rd party collection agency without my expressed written consent.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I was a beneficiary for an account which was wells Fargo bank I've removed my direct deposit information that was from my social security XXXX and XXXX I've filed and personally addressed the fact that I was unable the accept the money that wells Fargo thoroughly investaged and granted me the beneficiary my claims but since I wasn't the primary on the accounts.
Consumer complaint received 2023-03-09
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. (MO)

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. 

XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, REF : XXXX XXXX XXXX  BANKRUPTCY, 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 an 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 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX credit agency and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the Black Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (NV)

this company radius filed a collection on my credit with no notice or contact. i have no idea what they are claiming, who sold them the junk debt, because I have no debt. They call a relative and asked questions about me without announcing themselves and its recorded. these are bad people.
Consumer complaint received 2022-09-30
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. (IL)

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

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

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (PA)

i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.
Consumer complaint received 2023-03-10
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. (TX)

XXXX XXXX XXXX is reporting an inaccurate repossession on my credit reports. 

I have been disputing this account with each credit for some time, they are reporting inaccurate and inconsistent information on my reports. Each bureau is reporting this account as closed and derogatory but are reporting a monthly payment of {$940.00}. 

If this account was closed due to being repossessed, how is it that they are able to report a monthly payment? Per the FCRA, it is illegal to report inaccurate information on a consumers reports. I am demanding that this account is deleted as my rights have been violated as a consumer to have the right of accurate accounts on my credit reports!
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESTERN UNION COMPANY, THE (NJ)

Please help stop this women from stealing. My father is currently sick and he can not correct things at the bank. At least {>= $1,000,000} is mine in his account. He has money at the XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have signed documentation, but, I have no idea where the money is and the account numbers of my father. Could somene please help me with these phone thieves? I signed papers, with my father, XXXX XXXX, at the credit union in XXXX, NJ and at XXXX XXXX and XXXX XXXX. 
What is there? 


XXXX XXXX An overweight, uneducated, nail shop technician has stolen money from my beneficiary account at XXXX XXXX, XXXX XXXX   thorugh Western Union. XXXX XXXX  mentioned her name as the theft. She is continuously going into my fathers account and he is very sick. I live with my father for for 37 years, have won settlements and she is stealing too much out of the account. I should have a trust fund of abut {$5.00}, XXXX now. I am also claimed on taxes. My father does not really help me like he should since I am the reason that he has accumulated most of his money. What is the proper manner to deal with this? My phone keeps getting overheated when this woman and her friends play with it and she is causing my XXXX XXXX XXXX XXXX. At this time, she does not deserve any money and she is attemtping to kill me through XXXX  me while hacking my phone. My father nor I do not know her. It is very conplicated. I am scared I will not have any money left to use when my father passes. I might have to go to estate court or probate court and there is nothing left. Western Union even sent me a threatening message, yesterday, implying that the ceo allowed this woman to steal from my fathers account. He ( XXXX XXXX ) has about {>= $1,000,000} that I helped him make since I was injured in two accidents as a little girl. I was supposed to receive a trust as a toddler and a litte girl in XXXX - XXXX. 
I woud like to seek a bit of legal action. 

Thief ' s Address : XXXX XXXX XXXX  Her nail shop address XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Where did she get all of these material possessions from? She is steaing my settlement money from Superior " Court and XXXX XXXX XXXX. These court actions happened from XXXX XXXX. I am appalled that they allowed her to steal from XXXX XXXX through Western Union. 
These men need to be fired. It is a conspiracy. I went to court and won this money with my father, XXXX XXXX. 

XXXX XXXX Sent from XXXX Mail on Android XXXX
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (LA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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, has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (PA)

My name is 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 personal information. I have no knowledge of this and All is being investigated by the FTC 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 2019-11-25
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: SYNCHRONY FINANCIAL (KS)

I received an email on XX/XX/19 from Synchrony Bank at XXXX, XXXX and XXXX. The email says : A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder and Action Required On Your Application. I did not apply for anything. I tried calling Synchrony Bank several times and the calls kept getting dropped. I spoke with the Federal Trade Commission who said they have been receiving calls about the same emails other people are receiving! I need this account closed immediately.
Consumer complaint received 2023-03-10
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. (VA)

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.