davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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)

X/X/17- Equifax was hacked, I went to equifaxsecurity2017.com and recieved the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have put a 90 day fraud alert on my credit file with all three bureaus.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AP)

I was a long-time member of SUNTRUST BANK which just completed it's merger transition to TRUIST BANK. Since the final migration of my bank with TRUIST in XX/XX/2022 my TRUIST issued debit card is continually denied, which is my primary method accessing my funds for daily living, bill payment & rent. I have spent hours of my time with the customer support & fraud/security telephone reps with no resolution. I get vague responses like " we don't understand why it is not working..we re-set your debit card it is OK now ''. Afterwards the debit card is always declined at ATM 's and point-of-sales locations. 
To mitigate this problem I have tried to transfer my some of my checking funds to another bank in an account I rarely use. Of the 3 bank transfers I have submitted two have been stuck in the 'processing status ' for a week and the third was cancelled by TRUIST. 
Now I am having to take out a loan with my other bank just to to pay my rent & utilities because I can not access my funds in TRUIST. 
When I can reach TRUIST via phone, after hours of waiting, I get no resolution and I am passed from one rep to another until I eventually get cut off. 
I have almost $ 100K in my TRUIST accounts and I can not access a cent of it now.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (DC)

This is a general complaint about Equifax 's offer of " complimentary identity theft protection and credit file monitoring '' to consumers impacted by its data breach. 

Several pages on Equifax 's website describe the service as " complimentary. '' Yet the Equifax browsewrap Terms of Use include a class action waiver. 

It is not clear from the website whether enrolling in the identity theft protection program constitutes agreement to the Terms of Use. The relevant language in the terms of use states : " BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING OR PAYING FOR OUR PRODUCTS OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. '' http : //www.equifax.com/terms/ If Equifax considers consumers affected by its identity breach to have agreed to its Terms of Use by registering for identity theft protection, then that protection is not " complimentary. '' Consumers registering for it have paid a possibly high price by forgoing the opportunity to be members of a class action. The descriptions " complimentary '' would then be both deceptive and abusive.
Consumer complaint received 2019-06-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings (CA)

BASICALLY THERE MAKING IT HARD FOR ME 2 GET ANY TYPE OF CREDIT. THEY CALLEME HARASSIMG ME THREATNING ME OVER AND OVER AGAIN I ONLY BOROW XXXX FROM THEM AND THEYRE SAYING I BOROWED XXXX.WICH I DID NOT ALSO THEY ALSO GAVE MY # TO OTHER LOAN COMPANYS CALLING ME OFFERING ME. LOANS I JUST WANTEM TO. STOP PLSE
Consumer complaint received 2022-05-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both XXXX & TransUnion for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both XXXX & TransUnion have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (AZ)

I have had an account with crypto.com for a while now. They were recently hacked. When this happened i lost my account access. I had to recently change my email address and have contacted support multiple times and they refuse to help restore my access. Please help ive contacted them over and over for at least a month. I need to do my taxes and this is causing a financial hardship for my family and I.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XXXX of XXXX, I checked my Business Account ( XXXX ) because I've noticed an obscene amount of money missing and noticed there has been many unauthorized charges/transactions that range from XX/XX/XXXX to XX/XX/XXXX totaling approximately {$11000.00} that have been made through my account that I did NOT authorize nor make. I immediately went to my local branch of Bank of America located at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX and spoke with a personal banker to get some help on resolving this issue, and felt they would be more of help if I went in face to face. So, after we went through my account together, I was presented with a printout of all the charges and they even helped me with the dispute process on site. So, after about 11 days from my dispute, I received 2 denial letters in the mail stating they were unable to approve my recent claim ( XXXX ) due to : " The charge was made by you or by someone who has permission to use the card or account. '' And as I explained to the fraud department when I called, I have never heard of the person that some of the XXXX transactions were made to, nor do I have any said transactions in my XXXX account that could confirm that I sent the person ANYTHING, not to mention all the charges from a subscription service, multiple large transactions that happened at XXXX XXXX as well as many others, and I was told there was nothing they can/will do. So, my next step was to my local police department to file a report ( XX/XX/XXXX ) where I had to list all the charges that I tried to dispute with the bank, I even did a little investigating on my own and found that the person/young lady who my money went to and whom I believe hacked my account somehow and stole my heard earned business money and presented all that to the police department as well. And right after that I went back to the same local bank branch to re-open the claim for further investigation and still to the date of XX/XX/XXXX I have not received any further correspondence from them. I've had my business account for almost 40 years with Bank of America and don't understand how they can just allow their consumers to be taken advantage of and not try to do a thorough investigation to recover what was stolen. I am an XXXX, XXXX citizen on a fixed income, and for my money to have been taken from me and I get absolutely no help from the financial institution that I have trusted with my savings that I lived off of, is Ludacris. My next from here is to consult with legal counsel, and including but not limited to my local consumer reporter.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter on XXXX XXXX XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OH)

This company has called me 14 times since XX/XX/2022. I have received no written communication about any debt. I don't recognize this debt or the phone number that keeps calling. I signed onto my XXXX XXXX today and saw the account on my credit as well. I have disputed the account with XXXX. This company has called me XX/XX/XXXX at XXXX EST, XX/XX/XXXX at XXXX EST, XX/XX/XXXX at both XXXX and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX EST, XX/XX/XXXX they called 4 times! : XXXX, XXXX, XXXX, and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX Per CFPB Regulation F - a debt collector may not call a consumer more than 7 times in 7 days. This debt collector is in violation of this rule and are harassing me. 
Additionally, I never received a validation letter for this debt and do not recognize it.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

The company IQ DATA INTERNATIONAL is trying to make me responsible for an account that does not belong to me however theyre saying now that someone else has paid for the account and paid it off but they still have it on my credit and it does not belong to me I have no knowledge of this account is not my account it dont belong to me and it may be on my credit report due to identity death but the company would not remove it off my account when it doesnt belong to me and someone else obviously almost is account and they are paying for the account but they still are reporting it negatively on my account when theyre saying someone has already paid or settled the account with them but it is still on my credit report and it Never should have been on my credit report believes it does not belong to me and this company IQ DATA INTERNATIONAL is not even willing to remove it off of my credit report.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citibank notified me towards the end of XXXX XXXX that my phone number and email address was deactivate for XXXX. Then on XX/XX/2022 they blocked my account without notice. I called them on XX/XX/2022 and inquired about my blocked account. 

They informed me that the bank had performed a review of my transactions and that they had made a decision to begin closing procedure on my account, due to my XXXX activity. They never informed me what was wrong with the transaction, nor were there any refund requests or reversals within my account that exhibited any risk to the bank, only stating that I would be receiving a letter explaining why my account was being closed. 

About a week later I received a letter in the mail from Citibank stating, " We periodically review customer accounts to access the suitability of their banking relationship with Citibank XXXX to a recent review, it has been determined that we can no longer service your account ending - XXXX and your other related accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank Client Manual - Consumer Accounts. '' The letter went on to explain that my accounts would be restricted from any debits and certain credits and will be closed within sixty days from the date of the letter, which was XX/XX/2022. 

The letter continued to express several important points regarding what I need to do in order to not have additional funds tied up in the closure process. To include a paragraph regarding funds that are in the account that belong to me, that would be maile dto me in the form of a check upon account closure, and that I may visit my local branch or contact them at XXXX Option XXXX, XXXX to determine if I'm entitled to the funds sooner than the expected closure date. 

On several occasions I called the Fraud Prevention Department trying to find out why my account was being closed and if I could receive my funds sooner than 60 days, each time I was given no information nor an option to receive my balance of funds sooner. On two occasions when I called the representatives rudely stated they were terminating the call because they could not give me any information. I stated several times over a month and during at least 8 calls that I was experiencing a hardship since my Social Security and my Veteran 's Administration Pension was direct deposit to that account, unable to change to another bank account until XXXX. This left me without funds for food, rent and bills now for 2 months with their 60 days hold making it 3 months without any funds in XXXX. This has caused me undue hardship, stress, anxiety, inability to maintain my diet, sleep, buy medication and supplements for my XXXX XXXX, as well a putting me behind on my rent and bills.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO GET THESE ACCOUNT REMOVED AND THEY HAS FAILED TO INVESTIGATE AND GET THESE FRAUDULENT ACCOUNT REMOVED. I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED MY FTC REPORT, MY IDENTIFICATION, I'VE CONTACTED THEM SEVERAL TIMES, IT HAS BEEN REMOVED OFF XXXX. ADMISSION EQUALS DELETION SO WHY HAVEN'T THESE FRAUDULENT ACCOUNTS BEEN REMOVED..
Consumer complaint received 2019-07-10
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. (MO)

These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXXXXXX XXXX  XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-09-08
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. (MN)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim of their security breach according to their equifaxsecurity2017.com website, and I would like a resolution.They did not notify me in a timely manner and put all of my personal information at risk.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (DE)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-16
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. (AR)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-03-16
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. (NJ)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-16
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. (IN)

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.