davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Not card # in this report, unknown new card #. Bank of America approved credit under my name, checked my credit report from Texas but approved travel credit card for someone in XXXX MA, I live in Texas, yet emailed to me in Texas at my existing address. I've had an account with Bank account with them for 30 years. Got notice of application, contacted Bank of Am on a lengthy call, they denied that an application was pending. 2 weeks later, got notice that a credit card was being mailed, called again, after a lengthy call, Got fraud control dept. They validated that a new account in my name was opened. They used my credit report from a Texas address to approve a credit card in my name to XXXX MA. This is unacceptable and sloppy bamking, it has caused me horrible stress, and it has been grossly time consuming trying to resolve.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Medical Bill with XXXX XXXX XXXX ( XXXX XXXX  Medical Center ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX., XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report. XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies and deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : 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 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I opened a dispute for {$520.00} and {$140.00}. 
My visa card was charged outside of USA for this two amounts.Without my permission. 
I supplied all the paperwork supporting the dispute. 
The answer from Visa was that they unfortunately can not help me. 
I called visa, they still did not help.Visa credit card does not support the customers. 
This is already a fourth time that this happened to me with Visa credit card.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Ok let me try this one more time {$1200.00} is missing from my account I got a letter back from my first complaint which was not even correct anyways. Wells Fargo only read what they wanted to read. From XX/XX/XXXX to XX/XX/XXXX I deposited a lot of money cash except XXXX which was a check. I understand why the check for {$1500.00} dollars had a hold on it thats not my complaint. My complaint is when the hold was lifted on XX/XX/XXXX the remaining {$1200.00} was no longer there .i deposited plenty of cash in my account that month I also no I spent a lot of money and I also know what charges came along with it. I dont need the obvious pointed out to me what I need to find out is where did {$1200.00} dollars go between XX/XX/XXXX and XX/XX/XXXX and thats it thank you
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax has mishandled my credit information. They 've had a security breach in which my personal information was stolen along with millions of other people. This happened in XX/XX/XXXX and yet I 'm only learning about it in XX/XX/XXXX. This is unacceptable. Equifax should have treated such sensitive information with upmost respect to privacy and security. But on top of that, consumer should have learned about the breach as soon as it happened. 

On top now having my personal information in the hands of criminals, I have to pay fees to get credit freezes on multiple different credit agencies. Equifax has even charged me {$10.00} to freeze my credit with them.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have recently been informed that there is negative information reported by ( XXXX XXXX XXXXXXXX ) in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a ( SUSPECTED FRAUD ACTIVITY ) in ( XXXX ). I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized item must be removed.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Earlier Complaint no XXXX XXXX. ) The merchant has provided transaction receipts with my forged signature. This was brought to the attention of CapitalOne Bank. 2. ) Apart from this merchant states I was doing business with them since XX/XX/XXXX. This is false because they have sent me a welcome mail on XX/XX/XXXX. I have provided this as proof to the Bank. CapitalOne has ignored this aspect. 3. ) The merchant has refunded transactions made before XX/XX/XXXX and then blocked my user access. I do not have user access to the merchants portal since XX/XX/XXXX and they have created fake login history and transactions after that. 4. ) The merchant has provided transaction receipts with my forged signature. This is a very serious matter which Capitalone is conveniently ignoring. I have requested the bank to verify my signature. 5. ) The credit card number provided on the transaction receipt copy given to me does not match with my card. 
Capitalone has accepted the forged signature document provided by the merchant. They did not even bother to verify my signature in-spite of bringing this to their notice. 
The credit card number provided on the transaction receipt copy given to me does not match with my card. This is apart from the forged signature on the document.
Consumer complaint received 2021-02-01
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: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-05-28
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. (IL)

I received an email from XXXX XXXX that my score had changed. When I went to the Equifax site I could not log in because I forgot my password. There is a reset button that I clicked to get an reset by email. The email never came. When I called I got an automated line that started off in English but continued in XXXX for the remainder of the call.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

There was a security breach at Experian. The FTC website says that I can put a fraud alert on my account, but Experian is not allowing that. They only allow a freeze, without any customer service assistance, and they charge for the freeze. I want the free fraud alert since this is not my fault. Experian has set up their phone lines so that we as consumers can not speak with a live customer service representative, and the phone tree options only allow the freeze. This is extremely unfair.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (GA)

I was setting up my checking account with a program called XXXX   XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion had an issue with their reporting system. They had deleted inquires from my credit report then they reinserted them. I was never notified that any of this took place. Not until I pulled my report again. I want the following inquires removed from my report I am a victim of their credit inquiry issue. I spoke to a representative who refused to remove the inquiries. The following need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kornerstone Credit,  LLC. (IL)

To Whom It May Concern, I am writing to file a formal complaint against First Capital Group also known as XXXX XXXX XXXX XXXX XXXX, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the Illinois Department of Financial and Professional Regulation ( IDFPR ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the IDFPR, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (DC)

On Wednesday XX/XX/XXXX, I had downloaded an investment app and had gotten a free stock. When I tried to deposit the money into my bank account, it said that it your bank made a change that prevents me from adding the money into my account.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.