davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I noticed unauthorized withdrawals from my checking account totaling {$2100.00} ( {$300.00} times 7 withdrawals ). I contacted Citibank immediately and they cancelled my debit card and sent me a new one. I explained to them that I never let anyone use my card and I always have it in my wallet. This account is only used to pay all my mothers bills. She is XXXX and has XXXX. Citibank refused to refund the {$2100.00}. They said they don't use the ATM cameras to help them make their decision, even though this will prove its not me and they will have the thieves picture and description. They rejected me saying that " the activity appears to be consistent with my normal banking activity ''
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (ID)

I am in bankruptcy as of XX/XX/XXXX. XXXX. All of my creditors were sent notice of bankruptcy on XX/XX/XXXX including OPORTUN. I talk to a customer service rep and she looked on my account and saw that OPORTUN did receive proof of my bankruptcy back in XXXX. But as of XX/XX/XXXX OPORTUN still has my account open on their website and on my credit reports. Its illegal to do so and its in violation of the bankruptcy lawyers. They HAVE my bankruptcy documents that my lawyer sent back in XXXX yet they still have not updated my credit reports and my account on the website to show everything as closed. This is a violation of the bankruptcy code laws. My account number is XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!
Consumer complaint received 2022-04-02
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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 2022-04-02
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. (OH)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2022-10-09
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. (CA)

in regards to the XXXX # XXXX inaccurate reporting is a violation of my rights according to FCRA... .YOU MUST DELETE IF THERES INCONSISTENCIES ON YOUR REPORT ING!!! PLEASE REMOVE THIS NEGATIVE ITEM OFF MY REPORT BECAUSE ITS HURTING ME AND MY FAMILY... XXXXDATE OF LAST ACTIVITY ARE TWO DIFFERENT DATES!!!!
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (MA)

I sent a lot of letters disputing every error that has my credit report, but the credit bureaus don't investigate about my case. I have negative accounts that should not be negative, inquiries I didn't authorized. I want all that away because is affecting my score.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
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. (LA)

i am a victim of identity theft someone has used my identity i had my purse stolen from a gas station in XXXX here we are XXXX please help
Consumer complaint received 2019-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (IN)

As a college freshman, I took out a {$4000.00} loan to attend XXXX. It has been over a decade and I have PAID to Wells Fargo over {$10000.00} and I still owe nearly {$8000.00}. In the end, I would pay over 4 times the original loan amount. How is this legal?
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (TX)

Chase Card for XXXX This company sent me a card two years ago. I called and told them I have never applied for their card. They closed it right then. However, for the past two years every couple of months, I get a hit on my credit reports that Chase applied for credit in my name over and over. 

I call them and they tell me they will always deny credit due to the problem with the first issue of getting the card, and not to worry. 

However, nothing is being done to stop the credit runs every couple of months from this company. 

I have fraud alert on myself, but it is n't helping. XXXX  suggested I file a complaint. 

I am at my wits end.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: ALLIED NATIONAL INC (NY)

We hired XXXX XXXX and XXXX XXXX XXXX Debt Collection to handle collection efforts for an outstanding account. In XX/XX/XXXX, XXXX informed me that he was receiving money and that he would be sending checks to our company within the coming weeks. Weeks went by and we received nothing. I followed up by e-mail and phone calls on numerous occasions. Many went unanswered. When XXXX did answer, he told me that the company was closed, they moved offices, there was a problem at the bank, etc. I spoke with the attorney for the case on XX/XX/XXXX and learned that Allied National received {$3400.00} to date. Allied National did not send any funds to us. When I spoke to XXXX again, he told me there was an issue at the bank and that he would get back to me within a couple hours. 10 days have passed and I have not heard anything else. I called and e-mailed XXXX XXXX on a daily basis. The attorney has been unable to reach them as well.
Consumer complaint received 2022-04-02
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX )
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX - OPENED XX/XX/2019 - BALANCE {$1400.00}
Consumer complaint received 2020-12-08
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: LEXISNEXIS (IL)

I contacted LexisNexis back in XXXX and XXXX and XXXX to advise them of the reporting they submitted to all 3 Credit Bureaus concerning public records not given to them by any entity from the U.S Bankruptcy court in Illinois. I was advised by Lexis Nexis that they show no public records for me and that they would advise all 3 credit bureaus of this information it is now XXXX and XXXX  and XXXX are still showing public records listed on my credit report. XXXX has removed but the refusal of XXXX  and XXXX  to remove this information as in their words based on the information they received from Lexis Nexis. On my XXXX  it says open investigation which has been open over 60 days with no resolution and XXXX  refusal to remove the information as well. I ask that Lexis Nexis contact these entities and correct the information they sent over to them.
Consumer complaint received 2019-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had put an email in XXXX about " sharing my apartment rent '' [ XXXX  add # XXXX ]. I got an email from " XXXX XXXX ( XXXX ) saying he would like to rent the room for his daughter named " XXXX XXXX '' she was supposed to travel from XXXX to XXXX. So I believed him and we both agreed for this lease and he sent me check # XXXX with XXXX $ and another check # XXXX with XXXX $ amount both of which I deposited to my Bofa via Mobile deposit on XX/XX/2019. XXXX said, first check with XXXX has an issue and he sent me another with XXXX XXXX Both the check amount was kept on hold ( though initially it showed as deposited ) later I saw it on hold. As per our ( Mine & XXXX XXXX ) agrrement, I was supposed to deduct the rent amount and send him total of XXXX hence he asked me to send payment to two different parties so XXXX $ I sent it via XXXX on XX/XX/2019 to " $ XXXX '' and XXXX $ via Cash app to " $ XXXX  '' ( This is done from my XXXX XXXX  account ). When I am trying to email him to his email id XXXX or call his cell XXXX XXXX, both are going on vain. I have been scammed and I request someone to please investigate and return my money XXXX back. Note : I have raised complaint on both XXXX XXXX  and Bank of america bank ( ref Complaint # XXXX XXXX to investigate on my case but they are not giving me any assurance in getting the money back. Please help me. I have all the email & message conversations I had with that person along with the check he sent too. Please help me in this regard and I would like such scammers to be punished for their work.
Consumer complaint received 2019-08-13
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. (TX)

THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.
Consumer complaint received 2022-04-02
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX )
Consumer complaint received 2021-09-05
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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
Consumer complaint received 2019-08-13
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. (CA)

Equifax ; XXXX  and XXXX  are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Consumer complaint received 2017-12-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MN)

On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to let you know that I got into terrible situation as I have strange accounts in my credit report. I do not know them absolutely and I think its a big mistake or someone just filed these accounts illegally. I can not understand why I have them in my credit report still. The situation is out of control and I ask you to find out the reason of these accounts in my credit report. Thank you Also please remove them if you have a chance after investigation.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

Okay, this is related to my previous complaint # XXXX. That issue was resolved favorably. However before I could even see a bill, they reported my account to the credit bureaus. I never signed up for paperless billing and never saw a bill. When they finally called me about the bill, I paid immediately including all fees and interest. They reported me to the bureaus on XXXX XXXX. They called XX/XX/XXXX and I paid over the phone. They put a report in on XX/XX/XXXX that my account was in good standing. Does not matter because my score went from the XXXX to XXXX and still is at XXXX. How dare they abuse the credit reporting system especially after illegally signing me up for paperless billing. Credit reports have huge implications for jobs, rentals, and all loans. I did not even get a paper bill till after they reported me, they gave me no chance to pay. How could they not think that paperless billing can get lost in spam or even not delivered. I want all negative reports from comenity deleted. Please help me fix this otherwise I will have to take them to court even if it is just small claims.