davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, opened a new citi bank account on XX/XX/22. I then proceeded to deposit XXXX by a check from my joint account with my husband at XXXX bank account on XX/XX/22. After depositing the money into the citi account, I was informed that Citi closed my account due to suspicious fraudulent activities even though there was no other activity on the account. The Citi account was closed, but Citi still has not returned my {$76000.00}. I called Citibank several times but no one is willing to verify the facts and return my money. Please tell Citi to give me the money back and reimburse me for the loss of interest.
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

In XX/XX/2018, I decided to take my car to a TitleMax close to my house for some extra cash that I needed at the moment. They offer a {$1000.00} cash for the title and offered a monthly payment to settle the amount. After 14 payments of {$120.00} my account balance is {$1000.00}. I called the company to find out how was this even possible and they proceed to say that I need to pay more than the minimum or the full balance because so far I only payed interest, that appears to be 130 % of the total amount ; however, this wasn't mention to me at the time of the loan. I tried to contact the resolution center and the management of the company with no success so far, I go to the store and they dismiss me telling they will call me and I'm still waiting for a call, and if I call nobody is available to take my call. I feel this is a very unfair practice that take advantage of those in need, and I know a loan will have some interest but over a 100 %? Really? Paying {$1700.00} and my account reflecting more than what I borrowed, is plain abusive.
Consumer complaint received 2022-11-11
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)

There are multiple accounts that I have provided to them that was identity theft and the fail to remove them they are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX bank XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts are not mine and are identity theft I have sent multiple letter to Experian to remove them but they continue to list on my report. My identity theft report number is XXXX.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (MD)

I was pregnant in XXXX. after I discharge from hospital ; My health insurance paid all my expenses. I received separate bills from doctors. I paid for all of them. I did not receive any bills standing. 3 years later when I pulled my credit report ; I saw that same depth collector " FIRST FED CREDIT CONTROL : '' put 17 collections averaging less than {$100.00}. They did not send me any letters or did not contact me. This is an unlawful and illegal way to attempt collection. Also, They report the 3 credit agencies 17 times the same amount. Credit agency especially XXXX, reporting wrong information. They like to report negative items in the credit reports that banks can ask higher interest. This is not the fare of doing business. FIRST FED CREDIT CONTROL collection did not attempt or show proof of depth to me. They should remove all negative items from 3 credit companies asap.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (FL)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

My husband and I agreed to have our credit run to see the cost of a time share In XX/XX/year> with XXXX at XXXX XXXX XXXX in XXXX XXXX. We specifically told the representative we were not interested in opening an account just to look at the numbers. In XXXX our credit was ran for a mortgage loan application. We received a copy of the credit report in XXXX. On the report it showed a {$15000.00} line of credit through Barclay Bank of Delaware. Neither me or my husband received an information in person, through the mail or through email that an account was opened in our name. I contested the account through XXXX, XXXX and XXXX. Barclay reported to the credit unions the account info was correct. I called Barclay Bank of Delaware, they asked for our account number I explained we didn't have it because we did not agree to open the account. I asked for the account to be closed. They transferred me to another representative in the fraud department. I told that representative that I want the account closed we never authorized for the account to be opened in our name. The rep told us it would be closed. We had our credit pulled again in XXXX. This time it showed that we had an account with Barclay for {$20000.00}. On the XXXX credit report it under Barclay it states it needs Social Security and phone number for borrower. 

We still have not received any documentation of the existence or closure of the alleged account.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-01-07
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. (FL)

I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-12-31
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: Experian Information Solutions Inc. (TX)

XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXXXXXXUnder Dispute XXXX XXXX XXXX, XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX   XXXX XXXXUnder Dispute XXXX BANK XXXX Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 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 any purpose.
Consumer complaint received 2020-09-25
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. (TX)

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND EXPERIAN THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Consumer complaint received 2020-01-07
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. (FL)

I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
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: CITIBANK, N.A. (NJ)

In accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX and 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-07
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. (FL)

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was re-locating from Indiana to Florida. I had to break my lease a couple of months early. I spoke with the leasing agent of the apartment complex and made an arrangement to pay the remaining balance due on the apartment. I was not aware that the apartment complex went ahead and sent this account to collections until I obtained a copy of my credit report. The amount they are reporting is false and this account should never have gone to collections in the first place. XXXX has deleted this line item from my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have been unsuccessful.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2022-10-05
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. (MI)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-05-14
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: TRUIST FINANCIAL CORPORATION (WA)

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 an 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 any purpose.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My car was broken into and my wallet was stolen a week ago. Inside was my license, debit card and all of my credit cards. I locked all of my cards immediately. The next day, there were 2 fraudulent withdrawals on my Chase bank account at 2 different locations in the amount of XXXX. I immediately called the bank to let them know. I've spoken to the bank on the phone and in person several times since then but they haven't resolved the issue. My account is frozen, I have no access to any of my money and they haven't given me back what was stolen. I've made 3 police reports. 1 for the car break in, and 2 for the fraudulent withdrawals at both banks where the money was stolen. I have automatic payments and rent due in a matter of days and need access to my money!
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc (WA)

This company offers to fix peoples credit. They ask you to connect your bank account and once you do they state that they charge for membership. I clicked cancel at this point however, I was still charged {$99.00} on XX/XX/2023. This company never provided any services to repair my credit and will not return my money. I have tried to contact them via phone however, all of their phone numbers are fake. One phone number they have listed ( XXXX ) says it is disconnected and to call XXXX which calls your cell provider not them. The other phone number ( XXXX ) says they can not answer your call and to email them at XXXX. This company will not return my emails and I have verified that I do not have an active membership with them. Other people have reported similar experiences with this company and they are scamming people.
Consumer complaint received 2023-05-14
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: OneMain Finance Corporation (WA)

In accordance with the fair credit Reporting act XXXX  account ( finance ) # 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 an 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 any purpose.
Consumer complaint received 2022-12-26
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)

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 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 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I made a withdrawal of {$81.00} from an ATM in XXXX. After revising my account a few days later, I saw that there were 4 more withdrawals of {$200.00}. This making a total sum of {$820.00}. I filed a dispute with the bank and they are claiming that they will be taking back the credits because the withdrawals were made with the same card. I did not make those withdrawals. To my knowledge, no one else had access to my card. This withdrawal was made from a XXXX XXXX ATM in XXXX from a Capital One Account.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion charged me {$1.00} so I could view my credit report. Then they billed me XXXX XXXX monthly for a service I did not want or need. It is completely deceptive. No one should ever have any dealings with TransUnion. They are dishonest company that is only trying to scam you out of your money.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (TX)

My Name is XXXX XXXX, XXXX. I spoke with XXXX XXXX at Southern Management XXXX XXXX about a debt owed from XXXX XXXX Apartments. After reviewing the lease contract he found that lease did not have my information on it. He told me he was going to correct the mistake and take it off my credit. 

I contacted him today because the debt is still showing on my credit. And XXXX told me he had no plans to remove it now. I know the phone calls are recorded. My phone number is XXXX. I spoke with XXXX before the week before XXXX XXXX and today XX/XX/XXXX. 

I need your help. i hear great things about this agency. Please feel free to contact me on my cell : XXXX or by email XXXX XXXX