davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK (LA)

I bank at XXXX XXXX XXXX/Hancock Bank in XXXX, Louisiana. I recently had 10 unauthorized charges on my checking account # XXXX. I disputed this with the bank and after they reviewed the charges they sent me a letter saying that nothing was wrong. I DID NOT make these charges and I DID NOT authorize these charges. There were 10 separate charges for a total of {$610.00}. If you need documentation of these charges I have the documentation. I would like for these charges to be refunded back to my checking account ASAP.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I recently called Capital One to find out if any of my three accounts were part of the security breach. I have had accounts with them for 19 years. One with a {$6500.00} credit line, another with a $ XXXX credit line, and another with a $ XXXX credit line. 

The rep I spoke to said he couldn't tell me if my accounts were breached although they claim they monitor accounts 24/7. He stated they would notify me by mail which isn't acceptable. This is something a customer needs to know immediately if they actually have access to this information as stated, monitoring

 24/7. To date, I have still not received a notification stating whether any of my accounts were breached.

Because of their lack of cooperation, I told the representative that I wanted to close my three accounts. He repeatedly tried to talk me out of closing them, stating they do everything to protect customer accounts and customer privacy. The whole conversation sounded scripted and it is doubtful that he even gave me his real name ; he provided initials. I would argue that a XXXX XXXX account data breach is a complete failure on Capital One 's account, and I no longer feel safe having open and active Capital One lines of credit. Not only was my account information possibly compromised, but also my linked checking account information. Because of Capital One 's ineptitude, I have needed to place additional security measures on my banking account and log on repeatedly during the day to make sure money has not been stolen out of our account. We have a significant balance in our checking and our linked savings accounts, so we take this matter quite seriously.
Consumer complaint received 2019-02-20
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: SECURITY FINANCE CORP (IL)

I applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.
Consumer complaint received 2017-09-11
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: SUNTRUST BANKS, INC. (ND)

When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report. 
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity. 
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

I am using a wallet called XXXX XXXX ( a Binance owned company ) I had XXXX of USDT in the wallet. One morning I woke up to check the balance, it showed XXXX USDT. Somehow the USDT got hacked, and the XXXX XXXX provided no security mechanism to stop or prevent the transfer. Nor was I alerted to the transfer or asked to approve it The USDT was simply moved without my knowledge or approval. I opened multiple tickets with XXXX XXXX support, and they simply replied with - " your ticket has been closed '' on each occasion proving no resolution or advice whatsoever.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

Hi, This is a complaint about fraud alert on my credit, this I see Unautorized hard inquiry made with and I didn't apply for any kind of credit Alert Date XX/XX/2019 Alert Id XXXX Alert Type New Inquiry Inquirer Name JPMCB CARD SERVICES Phone Number ( XXXX ) XXXX Industry Type Bank Subscriber Address XXXX XXXX XXXX, XXXX, DE, XXXX so right away i called XXXX  and placed a fraud alert on my credit
Consumer complaint received 2019-02-20
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. (FL)

Transunion is reporting 4 student loans reporting from XX/XX/17 on my report as in Bankruptcy. This information incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Transunion is reporting false information. This information is being reported and adverse information on my credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2017-09-14
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)

Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is CAINE WEINER for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : CAINE WEINER for {$100.00} opened XXXX XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY  RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2024-03-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Payfare International Inc. (OH)

I started XXXX  about a week ago. I went to setup my XXXX account. Put all the info it asked me, including my social security # and my license. Then it didnt get approved. I called support and they told me to reply to said email. I did, and they asked me again to fill out the form. But this time they wanted my XXXX and said that a tax return was non sufficient. Which made no sense to me because you get your XXXX with your taxes. I resubmitted the application with the info, and they replied saying I didnt get approved again and that I could not resubmit. Ever since Ive called support over and over asking the same questions and get no where. They bring me all the way to the higher support, just to tell me to reply to the email again. I did so and they keep sending the email that says I can not resubmit again.
Consumer complaint received 2017-11-10
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. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SB Holdings, Inc. (AK)

I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (OH)

Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Two banks from which I have credit cards -- Capital One and XXXX -- have both reduced my credit limit despite my perfect on-time payment record, dating back many years. Both banks have said they are reducing the limit because I do not use enough of my available credit. Both sent nearly identical letters ( Capital One letter dated XX/XX/2020 is attached ). But I DELIBERATELY use only a small portion of my available credit, to keep my XXXX XXXX high and to have credit available for upcoming major purchases. By cutting my available credit BECAUSE I use a small portion of it, Capital One and XXXX are discriminating against me because of my PROPER AND CAREFUL use of credit ... my DELIBERATELY LOW credit utilization ... and my very high FICO score. The banks are forcing me to use a higher percentage of available credit by reducing the total amount available ... so if I use the SAME amount of credit, it represents a HIGHER percentage of the total.
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (MA)

A company called Allied Account Services , INC, located at XXXX XXXX XXXX, XXXX, NY XXXX. Report to XXXX and XXXX some collection charge from XXXX XXXX XXXX. I filed a dispute with the credit bureau because I have no idea who this collection agency is. They sent me a report showing me owing XXXX XXXX for dates I never lived at the property they listed. I bought a house and closed on my house XX/XX/2022, and moved in XX/XX/2022. I called the utility company and asked them to transfer the electricity to my new home which they did. I don't know why they didn't disconnect the other service. 
I called Allied Account Services Inc. several times at the following number no one ever answers the phone, in fact there are no greetings letting the consumer know that they are calling the correct company, just a recorder saying, " leave a message. '' Very unprofessional.
Consumer complaint received 2017-09-14
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. (UT)

Like 143 million other Americans, my credit report information was hacked on Equifax in XXXX 2017, and  the public was not made aware of the issue until XX/XX/XXXX. This hack displayed gross negligence on the part of Equifax, opening myself and millions of other people open to risk of identity theft due to the leak of social security numbers and personally identifiable information that could be used to open up fraudulent credit accounts. I do not believe that Equifax has responded appropriately to this leak, considering they failed to disclose that they were hacked for six weeks before offering a solution of free credit monitoring for one year. Credit monitoring will not prevent someone from opening my account, and even if it did, my social security number and other data will not change after one year. After the " Free '' year of credit monitoring expires, I would still be open to the same level of risk as I am today solely  because my personal information was not sufficiently protected.