davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

As stated in my previous ( & ongoing ) problem, I had a check for {$1100.00} fished out of a mailbox, clumsily altered and, subsequently cashed by XXXX XXXX. This check was dated, XXXX XX/XX/2022. By looking at the calendar, it can be seen that we're coming up to a year, and there has been no appreciable movement on rectifying this error. In fact, it seems to have taken some backward steps. After not annoying anyone since XXXX, of this year, I've called Citizens 4 times ( once to the Claims Services DeptXXXX, where I'm still waiting for Letitia to call me back and 3 times over the past week to XXXX XXXX, from " The Office of the Chairman ''. She's been out of the office, bit, assures me, " She'll get back to me. '' I appreciate that you've contacted them, but, it seems to have not made much of a difference. Have we reached the limits of your powers, should I contact an attorney? I'd appreciate your advice. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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 XXXX  Account number : XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX , 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 consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-02-22
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. (NY)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (NC)

I have experiencing depressions and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (IL)

Mr. XXXX used XXXX from Ally Bank to send Mr. XXXX {$400.00} on XX/XX/XXXX. Mr. XXXX waited 3 days before receiving a notification that the money was sent. 2 days later, Mr XXXX was notified that the transaction was declined manually by Ally bank. According to his bank XXXX XXXX XXXX. after a week of waiting around the money has not been recieved be Mr. XXXX or Mr. XXXX. After 2 more weeks of waiting both banks are now pointing their fingers at each other and at XX/XX/XXXX we are choosing to file a complaint.
Consumer complaint received 2023-05-15
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: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-22
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. (CO)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 XXXX XXXX made a fraudulent inquiry to my Transunion report. Transunion has instructed me to contact each company making the fraudulent inquiries, individually.
Consumer complaint received 2023-12-29
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. (GA)

I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1981. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I was messaged on XXXX  on XX/XX/22 by a user who has since deleted the account. They claimed that they would send me money if I send them my XXXX. They claimed that there is a processing or authorization fee for the money to go through. At first it was a {$50.00} fee in order for me to receive {$2000.00} immediately. I sent the {$50.00} on XXXX  to the user $ XXXX as they told me to. Then they claimed that {$100.00} was still needed to process in order for the {$2000.00}. They claimed that they would send me {$2200.00} instead since I now had to pay more. So I sent {$100.00} to the same XXXX  $ XXXX. And they just kept tacking on more money that they were going to send me, which required more processing/authorization fees of larger amounts. The next payment they requested was {$150.00} to be sent to $ XXXX with account name XXXX XXXX. I also received a legitimate looking email with a picture showing that they had already sent {$4000.00} to my Zelle but it showed it needed higher fees still. I ended up sending them money a total of XXXX separate times totaling {$3400.00}. The individual transactions are as follows : - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$69.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$400.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$550.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$500.00} sent to XXXX via XXXX Pay - {$700.00} sent to XXXX via XXXX Pay - {$50.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$100.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$150.00} sent to XXXX XXXX ( $ XXXX ) via XXXX {$200.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  I would also receive texts from XXXX ( claimed to be the lawyer ), XXXX ( claimed to be XXXX of XXXX XXXX ), and XXXX ( claims to be XXXX XXXX ) regarding the transactions.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

Regarding the XXXX XXXX ordered settlement. For four years I have demanded my court ordered check. 
Case Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case XXXX XXXX XXXX Last location XXXX New York. Never responded, but XXXX knew he was in the basement. Never returned my call. The Company who he worked for know his where abouts. In this letter it states " We will reopen your file. '' This man never did. XXXX XXXX XXXX also never assisted in the resolution of my dispute. THIS CRIMINAL BEHAVIOR IS STILL PRESENT TODAY. 

THE SETTLEMENT ADMINISTOR XXXX XXXX XXXX XXXX, MN XXXX LIED TO ME ALSO. 
MY COURT ORDERED SETTLEMENT NEVER ARRIVED. 
XXXX XXXX also stated, " THERE is a " HUGE PROBLEM. '' XXXX XXXX 'XXXX  XXXX ' XXXX OFFICE LIED! I SUPPLIED MY AZ. MARRIAGE DOCUMENT ( 2 TIMES TO THE XXXX XXXX WELLS FARGO MANAGER ON DUTY. HE FAXED THEM WITH COMPLAINTS TO THE EXECUTIVE OFFICE. 
IT ONCE AGAIN WELLS FARGO THAT DOESN'T KNOW WHERE I AND MY HUSBAND RESIDE. 

I AM VERY TIRED OF THE ABUSE! THESE PEOPLE SHOULD BE PROSECUTED! 
TO HAVE TO BE INVOLVED IS THIS ACTIVITY YEARS ON END IS ILLEGAL. 

I WANT MY COURT ORDERED XXXX SETTLEMENT CHECK. I WANT THE CFPB TO PROSECUTE THESE UNKNOWN INDIVIDUALS. THEIR STATE LICENCES NEED TO BE REVOKE BECAUSE OF CONTINUAL LIES AND EVADING FORMER CUSTOMERS WHO HAD TO LEAVE CRIMINAL ACTIVITY. 

PLEASE NOTE THAT ONCE AGAIN ANOTHER PERSON HAS TO RESOLVE ALL MY CONTINUAL COMPLAINTS OF FRAUDULENT ACTIVITY. XXXX XXXX AND THE BOXES OF INDIVIDUALS THAT ARE ALSO INCAPIABLE. THIS IS ABUSE!!!!
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

When I applied for, and was approved for XXXX XXXX on XXXX, the Capital One website ( screenshots attached ) said New Cardmembers would earn {$200.00} off after spending {$500.00} in the first 3 months. The website also said Previous and Current Cardholders may not be eligible. I never had a XXXX XXXX card previously. 
I spent over {$500.00} in the first few days after receiving the card, and noticed I only received the regular 1 % points. 
I called Customer Service to ask why I did not receive the {$200.00} and all they could say was that the offer was not on my account. 
I canceled both of my Capital One cards ( I also had a XXXX Capital One Card ) later that day, and in the " other '' section noted the reason of " did not receive XXXX intro bonus XXXX  XXXX '', as well as checking boxes for " rewards '' and " customer service '' as reasons for canceling. 
Something told me to XXXX Capital One XXXX XXXX later that day, and I noted a new page for XXXX  XXXX, which had Columns for Good Credit, and Excellent Credit. My credit score at the time of applying was XXXX which is only Very Good. The Good column said 29.99 % interest and no intro bonus. The Excellent Column had the {$200.00} intro offer.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  account 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 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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-22
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

XX/XX/2022 XXXX XXXX XXXX XXXX reference number XXXX I don't owe this company any money my 2 year contract was done with them and then I switched to prepaid service I never signed or agreed to anything with them after the 2 years was done I've called them many times and even went into the store when I did my prepaid plan I will not pay I dime on this nor next time I get anything from the company I will be suing for harassment goodbye
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

I received an alert from my bank on XX/XX/XXXX about a collection hitting my credit report. I immediately went to annualcreditreport.com to see what account was in collections. In turns out that there was an account in collection under my named that was unpaid. I contacted the creditor listed on my credit report to get more informaiton. 


CONVERGENT OUTSOURCING {$1200.00} Date opened : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX The account was opened in Texas. I have never lived in Texas. I have been a resident of XXXX XXXX  for 31 years and I just moved to XXXX. During the time the account was opened fradualently in my name, I was living in XXXX  and buying a home in XXXX I explained all this to the creditor and they are mailing me a fraud package to dispute the account. I still have not recieved the package. 

I have filed a dispute with the 3 credit agencies and so far have had 1 of 3 removed from my file. I am looking to file a police report this week as well. So far I have put a freeze on my credit. 

Attached are documents supporting my residency during the time frames in question.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXt # 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 Sectio
n 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (UT)

I was in an accident and was rewarded money from it. I called truist to let them know that I wanted a wire transfer to a car dealership. They said that I could. But instead of them wire transfer into the the car dealership, Truist sent them a check DURING THE MIDDLE OF A HOLIDAY! 
I was in need of a car since I did not have one, so I called them to get things straightened out. I was then told that I could not wire transfer unless I was in a physical location. I couldnt because I was in a different state. Well, I decided to wait for the dealership to receive the check. They havent yet received the check! Now Truist wants me to PAY THEM ( TRUIST ) for canceling the check. Im not paying out of pocket for something I did not do. I was once again told that I could wire transfer and after a few days I called back to do a wire transfer and said ONCE AGAIN that I could not do one. The check was sent out on the XXXX of XXXX and was to arrive XXXX. Its now the XXXX and I have no car and no way to work.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.