davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX  XXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok
Consumer complaint received 2021-12-04
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. (TX)

XXXX, Experian XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With XXXX they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and Experian different dates also. XXXX show XX/XX/XXXX & Experian Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the XXXX consumer reporting agencies.
Consumer complaint received 2018-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On : Monday XX/XX/2018, I called Equifax to see if they can remove a Phone Number that I don't recognize on my Credit File with them dated on : XX/XX/2018, and update it with my Current Phone Number where my Current Address is with them on my Credit File dated on : XX/XX/2018 by : Equifax. Equifax couldn't don't do it! Because I needed to contact XXXX  on it!, but : Navient has my Current Phone Number on their Records already!
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My wife and I have applied for a Reverse mortgage on our home. One of the conditions of the lender ( HUD and FHA ) is that one must open all accounts if they are frozen. This is required for a loan. We have tried for three days ( XX/XX/XXXX-XX/XX/XXXX ) to have my wife 's credit file open with Equifax. There was no problem with the other agencies. It is impossible to get a human to talk with. You go through 10 minutes of prompts, answering questions, and the response is that an agent is unable to assist you at this time. I understand that due to this covid virus, they may be short of help. I contacted Representative XXXX XXXX office and asked for their help. They could not get a human to talk with. Many people, like us are looking for assistance, having to live on Social Security and a small pension. All we ask is for someone that is supposed to help us, do so.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I have been trying to withdraw money from an online savings account. I set up a transfer on the Banks website. I subsequently received an email stating that I need to to contact the bank for security reasons. A phone number was provided.

I have called the number numerous times prior. Each time I am on a phone hold for an hour or more. This occurred both during the business day and in the evening. I called the general customer service number of the bank and a merely transferred me to the same phone queue for security.

So, I have been completely unable to have access to my funds.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

My complaint is about this debt collector that is unknown to me and have a debt from a medical place that i live 1000 miles from and never went to! Just randomly showed up on my experian report under collections. I have written a Hippa violation letter to these people. ( XXXX XXXX-ACCT : XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Trying to collect {$780.00} for a debt that isn't mine.
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This complaint is in response to complaint # XXXX. This response is to make Transunion aware that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure this matter by giving me my original remedy requested in my initial complaint which is to delete each account listed from their consumer report and pay the invoice for compensation of each violation they violated. I have attached my initial complaint for reference. Accounts to be referenced are in my initial complaint and have been circled for reference. Transunion has already received this complaint however they are wasting my time with stall tactics instead of following the LAW pursuant to 15 USC 1681.
Consumer complaint received 2018-08-14
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
Consumer complaint received 2018-08-14
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX  XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XXXXXX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
Consumer complaint received 2023-03-22
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX COLORADO XXXX UNIVERSITY - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fulkerson Wing, P.C. (TX)

On XX/XX/XXXX I received a letter from Fulkerson & Wing P.C. stating that I owed {$4700.00} to a 3rd party and I needed to submit payment. The letter was dated XX/XX/XXXX, with a postmark of XX/XX/XXXX. Included in the letter was a model petition to the court - an official looking document that, when combined with the text of the letter, comes across to me as a threat of legal action. I immediately called the firm and was told to send in my dispute via email and call back on Monday because the speaker was not in the office.

I feel that the letter text and inclusion of the model petition violates the The Fair Debt Collection Practices Act by deliberately attempting to intimidate and mislead the least sophisticated consumer. While the letter text is careful to not to directly say that firm is taking you to court, it does go to lengths to let you know what could happen if you are taken to court.

In my opinion, this tactic is a threat of a law suit that the firm has issued at a stage in the process where they have not collected enough information to determine if they intend to file a petition.

I am not certain if this constitutes a violation of the The Fair Debt Collection Practices Act, but I know it feels like a violation against my rights to not be threatened by an entity attempting to collect a debt.

Please find a copy of the letter and model petition attached to this complaint.
Consumer complaint received 2023-03-20
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: JPMORGAN CHASE & CO. (NY)

In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MIDCOUNTRY FINANCIAL CORP (TN)

The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.
Consumer complaint received 2018-08-14
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. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.
Consumer complaint received 2018-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Radius Global Solutions LLC (GA)

I have been a XXXX XXXX member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. XXXX XXXX was one of those. XXXX XXXX removed itself from the program and I took over making the payments myself. I continue to receive statements from XXXX XXXX and make payments using the XXXX XXXX website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted XXXX XXXX to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IA)

Multiple Fraudulent transactions going to cashapp & ive filed a fraud claim with CITIBANK, they told me the claim was denied because i authorized the transactions but thats not possible. my debit card information was compromised & used without my consent. Over $ XXXX stolen from me & they refuse to give me my money back. this is the worst experience ive had with a bank, i should be covered by Regulation E, i dont know what else to do besides file a CFPB Report. 

The cashapp name isnt even in my name so im confused why my claim was denied.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NY)

An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. 

I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. 

If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. 

Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. 

Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I had 2 unauthorized charges happen on my account over night. Wells Fargo are saying they will fix it but I dont have the money back in my account. This is ubsurd. I dont even have my card in my possession.