davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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: Neon Newco Corporation (TX)

On Monday XX/XX/2019 around XXXX my vehicle was broken into and my wallet was stolen. In my wallet was my debit card issued by XXXX bank. Being at it was in the middle of the night, I didnt realize my car had been broken into until I woke up for work that morning. When I woke up, I checked my phone and noticed I had alerts from my bank. There were a total of 6 transactions made with my debit card. 3 atm transactions for XXXX dollars each plus atm fees. The first transactions was at XXXX for XXXX. There was another at XXXX for XXXX and another at XXXX for XXXX. Then around XXXX there was a transaction made at a whataburger for XXXX and finally 2 transactions made at a merchant called XXXX XXXX, each for XXXX. I tried calling my bank but the bank customer service center did not open until XXXX so I had to wait until then. Once XXXX came around I called and got the card cancelled and opened up a dispute claim to get my funds returned to me. I sent them screen shots of the transactions made along with a case number of the police report I filed for identity theft. They said they would do an investigation and then contact me once they were done. I received a email from the disputes department yesterday saying they did not see any suspicious activity done on my account and closed the case saying they will not refund my money. I have gone back and forth with them asking how they could not see anything suspicious. The bank would never allow me to withdrawal more than XXXX in a day from a atm so for someone to be able to withdrawal XXXX within 5 minutes is very suspicious to me. I can provide any kind of other information you think will help me in recovering my funds.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Holloway Credit Solutions (AL)

I have health care insurance I assume they had paid my medical bill but after a follow up contacting them and insurance company I spoke with them and they are paid they paid the amount of bill but she said the company they used charged me {$600.00} this whats left after insurance paid over {$1700.00} dollars. Reporting agency has not or will not update status until the receive from me {$600.00} XXXX XXXX wont pay leaves me on the hook for {$600.00} because XXXX XXXX only received the amount owed on bill I have XXXX XXXX  insurance.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

Once again Chime has randomly closed my account stating I violated something. I havent at all. They sent a notice and closed it immediately. Didnt give me a chance to get my money out or anything nor did they speak to me for any understanding. I now have no way to feed my kids or get gas. This is embarrassing and tiresome and ridiculous since this is the 2nd time.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Amscot Corporation (FL)

on XX/XX/XXXX I deposited in XXXX XXXX XXXXXXXX via the phone app 2 {$1000.00} money orders. on XX/XX/XXXX both checks were debited by XXXX  as returned items. The reason for the debit was that the checks were duplicates and not the originals. I am unable to located the original checks and so I contacted AMSCOT on XX/XX/XXXX by phone and was advised to email request for replacement. To this day I have emailed AMSCOT 3 times with most recent on XX/XX/XXXX. AMSCOT ignores my calls with saying the will review but no results. Your assitance in resolving this issue will be greatly appreciated. {$2000.00} is a lot of money during these trying times.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have had a problem with Equifax in the past where my credit report has split into two because the file is too large. I am very concerned that this has happened again because there are large chunks of information missing from my credit report. If the file is too large they can remove the duplicate accounts I have told them numerous times are duplicates. Also, I see that there is a block on my credit report so I can't receive promotional offers. I never authorized this and want it removed.
Consumer complaint received 2017-07-23
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. (GA)

I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.
Consumer complaint received 2024-03-06
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. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-03-31
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. (CA)

In accordance with the Fair Credit Reporting act 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 2023-03-31
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, have 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 my account information without my written instructions.
Consumer complaint received 2023-04-04
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. (KY)

n 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, Equifax, 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 informatyytion, 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 2019-07-19
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)

Equifax and XXXX are reporting incorrectly a balance due of {$6800.00} on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Consumer complaint received 2017-07-23
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. (GA)

A company identified as : XXXX made hard pulls of my Equifax credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization.
After some research it seemed this is XXXX?
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (DE)

On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.
Consumer complaint received 2021-07-23
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. (NC)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Consultants, Inc. (LA)

This company will call my wifes phone and then my phone immediately after. We have repeatedly asked them to stop and sent them letters. They have harassed us on numerous occasions.
Consumer complaint received 2019-07-19
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. (NC)

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.
Consumer complaint received 2023-03-31
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. (CA)

In accordance with the Fair Credit Reporting act 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 2023-03-31
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: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. 
Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 
Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. 
An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. 
Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.
Consumer complaint received 2021-07-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (TX)

I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance XX/XX/2016. A consumer credit transaction in which a finances charge was involved. 15 USC Defines a finance charge as the sum of all charges in a consumer credit transaction. Hyundai Finance made me purchase my insurance separately and has violated laws including but not limited to 15 USC 1681a ( d ) 2 ( A ) ( i ) sharing this account with creditors, This debt was never validated according to 15 USC 1692g. Hyundai Finance is also using misleading information to try and confuse me saying that the FDCPA doesn't apply to them.
Consumer complaint received 2022-01-11
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: CITIBANK, N.A. (FL)

My card info was stolen in XX/XX/2020, a ton of fraudulent charges were made. 

A police report was filed, and judging from the fact that all the charges but 1 were removed from my bill, best buy also agreed they were fraudulent. 

However, a charge for XXXX from the list of fraudulent charges is now being charged to my account.