davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (WA)

I filed a dispute with the credit card company on XX/XX/2024. On XX/XX/2024 the merchant refunded my funds back into my account. I contacted the credit card company and advised them of my resolution. I requested the funds be sent to my bank account. On XX/XX/2024 credit card company lost my funds.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

I have submitted numerous complaints against equifax and equifax is not being responsive. Equifax claims that I provided incorrect information and equifax claims that equifax does not have any of my valid data. However, I have talked to an agent and the agent states " uncertain why the customer can not access data when the customer provides correct information. Also, equifax wants to have my social security number and valid address and claims that equifax does not have my specific data. However, the social security number and specific address was mailed and uploaded to equifax. So, equifax has my data and has responded to my mailing address. The behavior and communication of equifax is similar to the police-bus in Georgia where the officers blatantly lie about not searching through personal belongings while the video says otherwise. Furthermore, equifax claims that a security freeze is placed on my account while unable to verify such data. Besides, equifax does not allow US citizens to view their account regardless of any fraud data that is occurring. In summary, equifax is the worst credit reporting agency that ignores consumers and customers.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

Lexis Nexis and other entities they are connected with is in correct my information has been compromised over the years with company like the credit bureaus the 2017 XXXX breach. I am/was out on the dark web and now when I am ask qualifying question they say this information is wrong when I know for a fact when I am getting verified the info they have does not match and then I am declined of I have to jump through some other hoops i need some one to call me to correct my file you guys are so untouchable this needs to get fixed immediately
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I tried to create an account at www.experian.com to manage freezes to my credit report. The process for creating an account failed. I can not fix it. The company computer refuses to let me speak to a representative. I am being prevented from managing freezes to my credit report without spending hours with these problems.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Credit Card with HSBC was used fraudulently and HSBC alerts were not sent to me when fraudulent activity was occurring. I was made aware of the fraudulent activity only when I was sent a bill showing a past amount due. I immediately called HSBC to report fraud and to have the fraudulent charges removed ; however, there were finance charges and late fees derived from the fraudulent charges that needed to be removed as well. I was told that it would take a minimum of 60 days to investigate the fraud charges, but that my account would STILL BE REPORTED LATE to the credit bureaus. I was told that only AFTER the investigation I could get the finance charges and late fees removed from the account and THEN they would update the credit bureaus to update the balance. However, the bank should not report this account late or show delinquency on my credit report due to fraud. Furthermore the delinquency reporting needs to be removed from the credit report and not just the balance updated to show as paid. I have a flawless payment record that will be tarnished by the practices of HSBC.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date XXXX XXXX ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX  for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX   lawsuits have been filed and ... FREE XXXX XXXX  TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ),  including attempting to collect debts not owed and failing to verify debts.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (IL)

XXXX XXXX XXXX  is a collection company is purchased a fraudulent debt from Upgrade. In XXXX of XXXX I noticed that I had XXXX accounts placed on my credit from upgrade. XXXX being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all XXXX credit bureaus. The credit bureaus removed the accounts and a few months later upgrade sold XXXX account to XXXXXXXX XXXX XXXX and the other to XXXX XXXX XXXX. Both put the accounts on my credit report. I went on to dispute them and they were removed. XXXX XXXX XXXX continues to put this account on my credit report after being notified that it was identity theft. XXXX XXXXXXXX XXXX is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having XXXX XXXX XXXX removed from my credit for good.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — 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 credit bureaus 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 third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

On approximately XX/XX/2024, I became aware of an outstanding balance being reported within the credit bureaus on my credit report. I mailed a signed copy of a Debt Validation, requesting any and all information regarding the balance and proof of money owed, to the company listed, IQ Data. As of XX/XX/2024, I have not received any information or correspondence from this company.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

Macys said I open an account for a credit card in XXXX XXXX. I never received a card and never had access to the account even to this day. 
It wasnt till XX/XX/XXXX that I realized that the account was delinquent I had no means of being aware of any of it until it hit my credit score. I tried to talk to Macys about it. I ended up {$200.00} to rectify the account stuff but my credit score has not recovered.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I would like to draw your attention to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX- I sent my complaint letter to Binance, in which I clearly stated how the scam has affected me personally, psychologically, and financially. I received no response after sending dispute letter, rebuttal letter and follow-up letter. 
Commencing on or around XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), It should be noted that one of the companies, happens to be a client of Binance, and owner of wallet : XXXX XXXX Money was transferred from my XXXX  wallet in the amount equivalent to XXXX ETH at the instructions of the scammers utilizing Binance services and authorization. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
Binance could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client was an active participant in the movement of my money, which eventually ended up with the Company, Binance has not exercised its duties to identify this suspicious scheme in a timely manner.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

old phone was sold and i accidently didnt clear it. alot of charges were made on here to some off XXXX XXXX site. ive been fighting with them about it for a year and they keep putting the charges back on sometimes as long as XXXX  months later.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-18
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. (NY)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-09-29
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 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 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 2022-12-18
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. (NC)

My name 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 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 2022-09-29
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-18
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. (NC)

My name 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 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 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

I don't recall having a contractual relationship with this collection company caine & weiner company inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-15
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. (GA)

I paid off XXXX XXXX on XX/XX/2022 which should reflect a {$0.00} balance and closed however Equifax is still showing a balance and the account is incorrectly reporting to my credit profile.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (IL)

Chime is reporting to my credit with the wrong address for years. My credit profile now adds random accounts. Ive ask Chime for over a year to stop reporting but for some reason they are violating my rights. At this time im looking for voluntary monetary relief. If not voluntary then i will move to more drastic measures.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2022-05-15
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the item that still reporting on my account : XXXX XXXXXXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank reported my balance on XX/XX/XXXX to XXXX and XXXX as {$1400.00} when that is incorrect. The company acknowledged that they sold my debt. The debt company sent me a letter offering me a settlement of {$980.00} as paid in full. I paid the settlement amount of {$980.00} upon receipt of the letter. They wont update my balance to XXXX although I have shown documentation of the settlement letter. There is also a recorded call with XXXX XXXX of their representative showing the account was settled and paid in full. Synchrony Bank keeps adding comments to drop my score when Ive paid this debt in full.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

To this date, TD bank has been able to accrue over {$600.00} in over draft fee 's. However, the explanations are confusing and don't make any sense. I have direct deposit and I make deposits but I still get fees.. 
The bank does not explain how this system really works. I get answer 's such as " Maybe sometimes ..It 's supposed to. '' or " Depends on what they do in the back '' or " You pay us to use our money ''. 
My initial understanding was that if you overdraw your account and put money in the account by the end of the business day, you will not be charged. I am always charged. 
The app is misleading because it does NOT give you your balances in real time as they say it does. The ATM machine directly outside the bank does not give you cut off times for deposits. 
My direct deposit comes in and I get fee 's for that day as well.