davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Thursday XX/XX/XXXX at approximately 1509 hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXXXXXX - XX/XX/2023 Last 4 digit SSN : XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agent can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. 15 USCS 1681a ( 2 ) ( I ) creditor may not report transactions or experiences.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

Chime bank allowed fraudulent online charges to my checking account via my debit card. These charges were reported as soon as they had been discovered and I closed my debit card. Initially, I received attempted charge blocks for large amounts and then multiple smaller charges rapidly processed. I attempted to dispute the charges and report the fraud, however, their online system would not allow me to dispute pending charges, so I simply closed the card and the next day disputed the charges. Chime has denied my fraud claim and will not share with me the reason for the decline for another 10 days. My card has always been in my possession and these charges came in from out of the country, obvious fraud. I believe Chime has violated Reg E in denying my claims and acting on behalf of a fraud success. Charges processed on XXXX XXXX and XXXX. I reported the fraud on the XX/XX/XXXX, chime denied my claim on XX/XX/XXXX.
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In 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 : # 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 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 information, 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 2021-07-19
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. (CT)

I viewed a website for some hand tools ; I read the reviews on the ratings, complaints and reliability. I placed my order on XXXX and billed it to my Citibank card. The order went thru, in the order statement, it stated when the order is ready I will get an e-mail from the company when the order will be shipped. To this day I do not have ANY order, documentation, and the website is gone. 
XXXX : I did not receive any type of invoice for the order ; I emailed the company and stated to cancel the order, and NEVER received any response to date. I put in a dispute with CITIBANK. ( 1 #, 2 # copy, at the top of 2 # investigation complete, Resolved-Customer Responsible XX/XX/XXXX, XXXX do not have any information from the company ) called CITIBANK on XXXX and explained what happened. 
XXXX ( 3 # ) Document States they did not receive any proof of cancellation- BIG FAT LIE, also copy was included of XXXX delivery and proof of delivery statement. I went to XXXX and showed them the shipping info, they stated this is not standard delivery documentation and the weight of the Item that I ordered ( Tools ) would have weighted XXXX and I spoke to my neighbors to see if by chance they may have received the package, all stated no and nothing has ever been stolen and also stated to the CITIBANK rep . I called again to CITIBANK, explained again to the dispute dept, the same response was youre a great customer and we will get your money back and this did not happen. 
XXXX Same statement 4 # I called back again to the dispute dept, asked for the manager of the dispute department, on hold for 3 minutes, the rep stated that they spoke with the manager and they will refund me the {$99.00}. 
XXXX I called again to the dispute dept, demanded to speak with the manager of the dispute dept, again on hold 3-5 minutes, the rep stated they spoke with the manager, they will refund me the {$99.00}, e-mail, send a letter stating the fund, again I demanded to speak with the manager and the rep would not do that. 
XXXX To Date Nothing has been refunded, no email and no letter from CITIBANK. 
I feel that CITIBANK has failed to their job, very dishonest verbal statements, Im their customer, should be represented and instead they took the vendors words. CITIBANK stated they reached out to the vendor, CITIBANK should have provided me with all the information from the vendor and I DO NOT have any information from the vendor. I checked my credit rating and it has dropped XXXX points due to all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT
Consumer complaint received 2020-11-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IA)

I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with XXXX and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
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: BB&T CORPORATION (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXXXXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX & XXXX County, VA banking institution is XXXX XXXX XXXX XXXX , BB & T ( recent merger with XXXX ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXXXXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

My monthly payment is {$58.00}. Without notice, Navient changed my payment to be {$470.00}. I had to pay a {$30.00} stop payment fee as I was not prepared for such a large payment. I was able to cover it, but am not happy about it. I am changing lenders because of it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

1 XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00} XXXX XXXX XXXX XXXX Balance : {$87000.00}
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. XXXX, XXXX and Transunion are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.
Consumer complaint received 2020-11-29
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. (AR)

this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I was notified of a new credit card in my name with XXXX XXXX on XX/XX/year>. I have no knowledge of this account and do not, nor have I ever had an account with them. I filed disputes and the results said they determined the card was indeed mine, which is not true.
Consumer complaint received 2020-05-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IA)

On XX/XX/2020 US bank contacted my home owners insurance company and assigned a fraudulent mortgagee claim to my property costing me a fee to remove. The loan XXXX did not close due to false information provide by USBank on my loan application, incorrect appraisal and requirements.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about these inquiries. 
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 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 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 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 2020-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

As per earlier complaint # XXXX Huntington Bank ( the bank ) agreed to cash in CD without any early withdrawal fees. This is the letter sent to CFPB to verify this. At the bank XXXX XXXX filled out a withdrawal slip for {$25000.00} which I explained was incorrect. On XX/XX/2020 upon maturity the CD was {$26000.00}. Again the bank seems to use deceit and fraud on unknowable customers. Until some punishment is put this bank these practices will continue as business as usual.