davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

I got a loan using personal property as calateral I paid the loan off early after being late 2 months I believe it was XXXX or XX/XX/2017 but they claim I still owe them and didnt pay it off I just found out this info a week ago
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-06
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: WELLS FARGO & COMPANY (MN)

I was speaking to a lady on the phone and we are talking about other matters long story short she opened an identity theft case in my name and every time I call Wells Fargo now they say they dont have any information about it probably because someone in the company doesnt like me I dont know but if you want to change that case number here it is XXXX The lady sent me a couple packets one of them was a statement which I will be talking about on my other complaints but for now this is about identity Saft so she sent me the other packet that was over 100 pages XXXX open up a credit card my name spent option {$10000.00} I want that back paid in full
Consumer complaint received 2022-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have received a security breach on my identity through my credit report on XXXX and Capital One. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX  Not only that, there were some loans and a credit card opened without my consent.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

Citibank solicited the creation of a new savings account with high interest rate. It looked like a good deal so I opened the account and left my funds on deposit for several months. I then wanted to use some of my funds and encountered unreasonable withdrawal limitations. It would take me 6 months just to get my initial funds back. Next I requested to close my account, but they said it will take 14 days and I need to wait until after a pending deposit is completed. I feel like this is a predatory banking process. Other banks that I use ( XXXX XXXX and XXXX XXXX ) don't have the same limitations.
Consumer complaint received 2022-04-06
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: CITIBANK, N.A. (FL)

According to my credit report there have been 2 attempts, in the past 3 days, to fraudulently obtain a credit card in my name. I have called XXXX XXXX XXXX and was informed the application has been shut down. However I have not been able to find anyone at Citi Bank to help me. I have put a freeze on credit file and I have written letters to all three credit bureaus.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

On or about XX/XX/2022, I visited the Citi Bank in XXXX, FL. The purpose for my visit to Citi Bank was to try to obtain a secure credit card subsequent to credit sabotage connected to identity theft and fraud. I am trying to fix a problem I did not create. I met with an otherwise professional and pleasant Citi Bank representative. We engaged in substantial conversation. I would like to make a disclaimer statement and say I did not receive the Citi Bank representative 's questions as malicious. I am submitting this Consumer Financial Report Bureau complaint to officially request the immediate cease of asking consumers prohibited questions under law to eliminate liability in connection to the approval or denial of requested products, goods and services. Bankers, credit Lenders, housing representatives etc., have asked me questions related to : sex/gender, marital status, race, color, religion, national ( and/or ethnic ) origin, and/or age prior to applying for products, goods or services. This is illegal and unfair, even if the bank 's reason to approve or deny products, goods, or services are legitimate. The continuation of the practice of asking consumers prohibited questions greatly jeopardizes the integrity and credibility of the entire business and employees within the establishment. The consumer can not help but wonder if they provided the " wrong '' answer resulting in the following denial of services and the doubt is caused by the employees asking the prohibited questions, and creates credible liability. According to the Equal Credit Opportunity Act financial institutions and other firms engaged in the extension of credit are REQUIRED to make credit EQUALLY available to all creditworthy customers without regard to sex/gender/orientation, marital status, parental status, race, color, religion, national/ethnic origin, and/or age. As the consumer, financial institutions are required to provide consumers with any and all applicable disclosures, rights, and notifications in good faith in honoring Consumer Credit Protection Act as well as other laws. It is best practice for all bankers, credit lenders, and housing representatives to cease asking consumers prohibited questions that are irrelevant to the direct product, goods, and services at any time to avoid liability and maintain the integrity, and credibility of the business application process. According to the regulation the treatment of consumers who have initiated the application process is considered even before the application is started. Bankers, Lenders, and Housing representatives must NOT take ANY action that would discourage anyone from applying for a loan/credit, product, goods or services. In my case, Citi Bank denied my good-faith request for a secure credit card AFTER I was asked the prohibited question ( s ).
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SinglePoint GI (TX)

GRC Called my work company at XXXX on XX/XX/2022 told them not to call my job told them I can't receive personal calls .I was told from them that they will sent papers to verifying my employment at my job.leaving only auto messages only on my voicemail
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. (VA)

I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}
Consumer complaint received 2022-04-06
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. (NC)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

My identity was stolen, it was reported and taken care of. I received a collections from Jefferson Capital Systems saying I owe XXXX money. I advised them I have never had a XXXX account. I asked for a debt verification and they denied to provide me that information. I have requested it twice, and they will not send me a verification that the debt is mine. 

This was with another collections company and I disputed it with them as the debt not mine, it was removed. This debt appeared with a new company a year and a half after it was removed. I have called XXXX and they have advised me they don't have any account information for me. I have been on a battle to dispute this debt endlessly with XXXXefferson Capital and they are refusing to comply with a verification request.
Consumer complaint received 2022-06-08
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2022 I was notified that the phone # on my account had been changed to a phone # that I have never been associated with ( XXXX ). I immediately contacted the bank to notify them of this. They told me that they were unable to change the # back without specific documentation and froze the account. I attempted to provide the documentation ; however, it was still not sufficient, so at this point I had lost all access to my account since it logged me out. I had 3 accounts with Chime, a XXXX, a XXXX XXXX, and a XXXX. Through my XXXX account I was able to see the transactions that the hackers transferred all funds from the savings and checking into the credit builder and then made two transactions totaling {$2600.00} ( one for {$230.00} and one for {$2300.00} ) to an XXXX XXXX XXXX in XXXX on the card ending in XXXX. I immediately called and disputed the transactions. I was told that they were pending and if they went through then the dispute process would be started and could take up to 90 days. After I hung up from that call I received an email that they proceeded to close all of my accounts. This made it to where I could only communicate to them through email. I sent several emails that went unresponded to. Finally, on XX/XX/XXXX I sent another email that they provided some basic information regarding their disputes process to. Today, XX/XX/2022 I received notification that they have denied my dispute and deemed these two transactions as legitimate. I spoke with the bank yet again and they stated that I am required to provide additional documentation in order to prove that I did not do this. I am not sure what other documentation I can provide at this time since I did not make these transactions. The account was frozen on XX/XX/XXXX when I attempted to buy groceries at XXXX on XXXX XXXX in XXXX, XXXX  ; however, the hackers were able to use the card the very next day. I am unsure how that occurred if the account was frozen.
Consumer complaint received 2022-06-08
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. (NC)

XXXX accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : 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 XXXX
Consumer complaint received 2022-04-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Consumer complaint received 2022-06-08
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX  # # # # # # # # # # # # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account ( s ) : XXXX XXXX XXXX # # # # # # # # XXXX XXXX  XXXX XXXX XXXX # # # # # # XXXX XXXX XXXX XXXX # # # # # # XXXX XXXX  XXXX  # # # # # # # # XXXX XXXX XXXX XXXX  XXXX XXXX  # # # # # # # # # # # # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A, Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My check was cashed with fraudulent endorsement from Citibank. 
Citibank clearly knows who did corroborated with its bank teller. But would not tell me. 
I suspect the landlord did it, because of only one mailbox. 
I have visited XXXX XXXX XXXXXXXX, Citibank, several times, and Police Report obtained. 
It is XXXX XXXX XXXX, they are all thieves, not telling me who got the money. 
I got the final letter recently from Citi, telling me XXXX XXXX XXXXXXXX is check signer, therefore tell them your problem. XXXX XXXX XXXX XXXX XXXX finally tell me to report you. I believe XXXX XXXX, XXXX XXXX. This is simple request, let me know who is thieves, then I resolve this by my own hands. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Social Finance, Inc. (OH)

On XX/XX/2022, I received an email stating that I had opened a Checkings and savings account with SoFi bank. Then i started receiving emails that i was making transfers from this account to someone named XXXX XXXX XXXX. I also received an email stating that I had just recently updated my profile information with a new contact number. I immediately called the bank, let them know that this was not me, and they restricted the account. They gave me a number to a fraud investigation team but every time I call, they are always with other customers. I pulled up all three of the major credit reporting agencies and found inquiries from this bank.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

The American Express XXXX XXXX XXXX card used to allow cardholders to " cash out '' Amex Membership Reward points into a linked XXXX brokerage account for XXXX cents per point. 

At some point, the cash out value was reduced to XXXX cents per point. This change was made at the same time that other changes to the XXXX card benefits, along with an annual fee increase. 

I received no notice or disclosure that the value per point was changing, as Amex only gave me notice of the changes that applied to ALL Platinum cards, rather than changes to my specific Amex card, which had other benefits.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this complaint is for an unauthorized ACH withdrawal from the HOA 's checking account with Bank of America. 

XX/XX/2021 XXXX XXXX  unauthorized withdrawal of {$500.00}. 

I opened a claim with Bank of America and on XX/XX/2021 received an email from them denying the claim on the grounds that the checking account has a contract with XXXX XXXX XXXX. As evidence, BoA provided a form titled " ACH debit authorization '' with the HOA 's information on it, with a space for the signature. The form is unsigned. No one in our organization has authorized this debit or even knows what XXXX XXXX XXXX is.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TN)

XXXX XXXX settle agreement with Westlake Financial services on XX/XX/2022 at XXXX we agree on XXXX XXXX dollars to close out my account and I don't own anything else and they told me they will remove this account OFF All 3 of my credit report And email me a pay to delete LETTER, and I haven't received any response are nothing
Consumer complaint received 2022-04-05
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX