davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, there were three ATM withdrawals in the amount of {$63.00} that I did not make on my American Express bluebird prepaid card. The total amount was reported to their fraud unit via telephone and email. ( Declaration of fraud for is attached ). 

In their XX/XX/2022 reply, they declined indicating that I have the right to review any documents we relied upon in making our determination. I requested these documents via certified mail, return receipt required. 

On XX/XX/2022, they sent me the attached e-mail stating that they did not review any documents to make their decision. 

I did not make the XXXX ATM withdrawals in the {$63.00}.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX 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
Consumer complaint received 2017-08-17
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I am disputing a charge of {$320.00} from Citizens Bank for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from Citizens Bank dating back to XXXX which appears on my XXXX Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX  Certification process and can not complete the process because of an inability to have Citizens Bank clear this from XXXX. I called Citizens Bank and was transferred to Citizens Bank collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with Citizens Bank for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, Citizens Bank claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from XXXX XXXX Without deletion, this report on XXXX prevents me from certifying my business with New York State. An inability to complete my NYS certification keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.
Consumer complaint received 2022-05-15
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. (IL)

I reviewed my Equifax consumer credit report and file and the following inquiries are unauthorized : XXXX XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX/EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: HUNTINGTON NATIONAL BANK, THE (IL)

To start with Both of my bank accounts were compromised. 
The leads that I marked on this thread do not explain my original problem. 
My bank account was closed in XXXX because someone had my information and tried to log in my account in Huntington Bank. ( Huntington said it may have been a man called XXXX XXXX ) So the bank said I have to close my account and they recommended a credit card to be made. 
Bank said that they do not issue any type of investigation. 
The other bank XXXX had a third party entry and it was called XXXX  XXXX. 
I never authorized it, and XXXX bank told me how to remove this online. 

I made a police report and they told me to also contact you and give you the report number of XXXX. 

To add on all of this The XXXX XXXX XXXX which I am a member of and they have all my personal information and bank account information, have been cyber attacked and sent us an email about it. 
They said they are undergoing investigation and never answered my emails about my questions related to my personal information. 

Please advise
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am attempting to pay additional principal on my car loan each month with Bank of America. My loan payment is approximately {$420.00} per month. I pay on average {$750.00}. Rather than applying my extra payment to principal, they are charging me future interest and extending my next due date. I have called multiple times and I have not received a valid explanation. Finally, they indicated I would have to go into a branch each month to request the extra be applied to principal. This is simply not feasible. They continue to overcharge on interest because their online system can not " process '' the extra payments correctly. This is simply BofA stealing money. Today is XX/XX/XXXX and I made another payment. My next due date is XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXXXXXX XXXX associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries. 
SERVICE LOAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2019 two cards one a capital one bank and other a XXXX card was tried to issue and was denied. I never applied for either of there credit cards. Some one has tried to use my identy theft and apply. Plus my credit score has dropped more than 40 points and not sure why. 
XXXX XXXX
Consumer complaint received 2019-07-23
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. (IL)

XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} CHARGE-OFF {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$470.00} CHARGE-OFF {$1000.00} XXXX XXXX XX/XX/XXXX {$77000.00} XX/XX/XXXX {$77000.00} CHARGE-OFF These should be removed, I've disputed this the 1st time they appeared on my report Equifax, keeps sending to there overseas office. ive sent police reports as well as FTC.GOV this is affecting my job. Ive have been hung up on and treated very bad with. this matter. Ive even better ask questions about my name being XXXX XXXX XXXX.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CO)

Im getting daily emails and text messages stating that my PayPal account is at risk. I dont have a PayPal account and I never have I can send you photos of text message and the number attached I dont open your follow the link I just took a snapshot of it on my phone.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (TX)

IN accordance with the Fair Credit Reporting Act XXXX Account Name : XXXX XXXX Account # XXXX, and Account Name : Online Information Services Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2024-02-15
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. (FL)

I have been recently looking into my credit reports and saw a ton of things not valid on it. I want Experian to look at my request and remove all of these inquiries that are not mine and accounts they are reporting that are nowhere near accurate and remove them.
Consumer complaint received 2022-05-15
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: National Credit Systems,Inc. (GA)

My name is XXXX XXXX XXXX XXXX. I am filing this complaint against your company for the fraud you have committed against me. I did not give NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. NATIONAL CREDIT SYSTENS has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (NY)

On or about XX/XX/2019 I contacted Contract Callers Inc in an attempt to settle a debt. My settlement offer was not accepted and I asked for clarification of the debt in written form via regular mail. I verified my current mailing address. Several weeks later I had received nothing and called again in an attempt to settle and also to receive verification of the debt. I was told that my original request had never been processed but that I would receive something in the mail shortly. Again, I received nothing in the mail and contacted the agency and told them I would like to dispute the debt as I never received any additional information about it. Approximately 1-2 weeks after this call my credit score dropped from XXXX to XXXX and now shows a derogatory remark that I attempted to dispute this debt. I requested written verification multiple times prior to disputing the debt and never received anything. This does not seem legitimate or fair whatsoever
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (VA)

On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.
Consumer complaint received 2022-05-17
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: JPMORGAN CHASE & CO. (AL)

XXXX, XXXX XXXX XXXX AND JPMCB HOME are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great  XXXX and XXXX  to were I may need to be seek XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : XXXX XXXX XXXX account # XXXX XXXX collection {$81.00} Inquiries : XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( Department of Education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX co XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

XXXX paypal acount is limited but its my first payment in other platform, i think they are mistake because its new accout, theld my fund its stock my money i want to withdraw it, my hold balance is XXXX, my account is XXXX, please help me