davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (TX)

On 2022XXXX, I submitted a credit report dispute to have my legal name corrected on my credit file. When submitting the dispute using their online portal, I attached clear and legible copies of the below : - Current XXXX Driver 's License with new name and current address - Current Social Security card with new name and signature - Court Ordered Name Change Judgment with new and old names, signed by a judge On 2022-XXXX, Equifax responded to the dispute with the below message : " PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ''
Consumer complaint received 2022-09-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  BANK Account # xxxxxxxxxxxx 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 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XX/XX/18 {$19.00} XXXX XXXX XXXX XXXX XXXX XX/XX/18 {$13.00} XXXX XXXX XXXX XX/XX/18 {$20.00} More for less XXXX CA XX/XX/18 {$13.00} Unauthorized charges were made on my account not be me or with out my permission I have my debit card pin written on the card anymore could have took it out of my bag in my car and used it. They told me I have to pay because I made changes from the town I live in XXXX  and XXXX are the two towns I shop in my bank is located in XXXX ca. I don't shop nor live in XXXX XXXX CA or XXXX  CA. They should request to view they taps
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (MI)

I took out a title loan with Check into Cash on XX/XX/XXXX. Since then, they have been contacting me excessively, even throughout the pandemic. They call me everyday and send me texts messages often. The last text message was sent yesterday, XXXX. They have also sent me emails starting on XX/XX/XXXX. The last email was sent Friday XX/XX/XXXX and they stated that I owe {$4500.00} which is a violation of 15 USC 1692. They also told me a different amount of around {$3500.00} when I spoke to them over the phone. I've sent a debt validation letter, cease and desist, and affidavit of truth, along with an invoice for the violations listed in the affidavit via certified mail.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (GA)

On XX/XX/2021 I sent a letter to this company requesting documents to verify this debt as well as this company 's authority to collect the debt. I was only sent a billing statement. None of my other concerns were addressed as requested in my letter. This company is also reporting the same debt under different names which is damaging my credit.
Consumer complaint received 2021-06-04
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: GOLDMAN SACHS BANK USA (TX)

I returned a product and the retailer accepted it and approved refund through XXXX. I contacted the credit card company to dispute the charge 3x since XX/XX/2020. They keep stating they investigated and the purchase was valid when I told them that was not the issue the defective product was returned. 

XXXX verified the retailer did a charge back as I had returned the defective product and state the credit card company never contacted them to verify the information. XXXX states by law they can not issue my refund as the credit card company is involved. 

The credit card company is not investigating disputes.
Consumer complaint received 2020-11-05
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. (NY)

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal locked me out my account saying I can no longer use PayPal but they locked my account XXXX $ usd I cant do any transaction I woke up and XXXX $ missing they dont wan na give me my funds instead take it
Consumer complaint received 2022-09-26
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 (NV)

On XX/XX/22 someone applied for an XXXX XXXX  card and balance transfers through Bank of America with my information. I dont bank with Bank of America and did not apply for this credit card. I was notified by XXXX of a new hard I quiet so I logged in and discovered this. I have reported it to XXXX and to Bank of America and want to be able to have the hard inquiry removed from my credit report as I am currently working hard to repair my credit.
Consumer complaint received 2022-09-26
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: National Credit Systems,Inc. (GA)

National Credit Systems is currently reporting an account from XXXX apartments to the credit bureaus. Its also reporting incorrect information on the account as there is a joint applicant that I have no association with. I have spoken with National Credit Systems multiple times over 2 months timespan. I filed a dispute and was advised on XX/XX/2022 that the incorrect account on my report would be removed. That statement was provided in an email dated XX/XX/2022. National credit systems has yet to remove this fraudulent account. Today XX/XX/2022, I called and spoke with XXXX who says he is a collections supervisor. XXXX advised that the account was closed but reopened with a note stating it was closed in error. XXXX also stated on XX/XX/2022 that XXXX XXXX has advised they can not verify the debt and that the account should be closed. Despite XXXXXXXX XXXX advising the account should be closed, XXXX advised the account would not be closed if I did not send in proof that the application should be free. XXXX provided an email address for his supervisor XXXX  XXXX and very rudely hung the phone up. I sent the email to XXXX XXXX on XX/XX/2022
Consumer complaint received 2022-09-26
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: AMERICAN HONDA FINANCE CORP (NY)

Acura financial and XXXX XXXX  card XXXXXX/XX/2022 late because i was hospitalized and provided letter from hospital. Instead of removing the late they moved it to XX/XX/2022 then to XX/XX/2022. I need it removed from XXXX XXXX and XXXX. I need 2 30 day lates removed from Acura/honda financial and XXXX XXXX card.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX, I am a small business owner. I have a costco visa with citi bank since XX/XX/2011. Last week I received a letter stated that my account has been suspended and required me to call a phone number. I thought it was a scam because the number did not match the phone number on my credit card. This week I just found out that my credit card was closed. When I call the customer service they told me that nothing they can do to help resolve the issue. In the mean time, all my cash back year to date is being forfeited since my account was closed without any explanation. 
Note : All these years that I have the card, I have never missed a payment. 

Thanks, XXXX XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (KS)

This debt is not mine I was not in the state of XXXX  XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX
Consumer complaint received 2022-06-22
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. (FL)

In accordance with the Fair Credit Reporting XX/XX/XXXX account number # XXXX, XX/XX/XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXXAccount XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2- States a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
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. (DE)

These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!
Consumer complaint received 2022-06-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. 
This is discriminatory. 

My application ID is XXXX
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I sent over XXXX to a woman in another country for a product i didnt receive. When I complained to my bank I was not notified of any changes to my claim. I submitted a claim XX/XX/11 and havent been contacted since. When I called today I was told that My claim was denied.
Consumer complaint received 2018-05-09
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. (IL)

MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). 

I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. 

PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. 

THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.
Consumer complaint received 2022-09-26
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: Phoenix Financial Services LLC (TX)

The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with PHOENIX FINANCIAL SERV that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello! On XX/XX/2022, I made an international wire transfer from XXXX ( XXXX ) of the XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Transfer amount XXXX USD. The payment was made for the car, but was never transferred to the recipient. When contacting my bank, I managed to find out that the money reached Bank of America ( XXXX ) and was held there for almost XXXX months without explanation. XXXX XXXX Help make this payment! Why are they holding him? How many days will it still be held and when will it be credited to the beneficiary?
Consumer complaint received 2022-09-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (DE)

These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AZ)

I submitted payment. The company acted like I didn't send payment. I followed up and they closed my account. 
16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan. 

Assuming that DISCOVER is required to abide by GAAP ( general accepted accounting procedure or practice ) : 12 USC 1831- GAAP accounting ledger has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ).

12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument.

DISCOVER is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6.

The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar.

In order for DISCOVER to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure.

UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602 The consumer was directed to fill out and then sign a consumer credit contract which is an INSTRUMENT pursuant to 16 C.F.R. 433.1 ( i ) and 433.3 ( XXXX ). Account Number XXXX is evidencing the receipt of the EQUIVALENT of money when issued in exchange for INSTRUMENTS ie the Promissory Notes signed by the consumer at the inception of the account and to the current date pursuant to 12 U.S. Code 1813 ( 1 ) ( 1 ). The INSTRUMENT is a medium of exchange and money per 1 U.C.C. 201 ( 24 ) and is then used as collateral at the Fed window to apply for an equal amount of federal reserve notes 12 U.S. Code 412 which states the collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances or any obligations which are direct obligations of the United States and per 18 U.S. Code 8 " obligation or other security of the United States '' An IRS Form 56 was issued to the DISCOVER XXXX, XXXX XXXX and received by DISCOVER. This compels agents representing the CFO XXXX XXXX on DISCOVER 's behalf to act in the best interest of XXXX XXXX XXXX. By issuing a Delinquent Notice to my account, the XXXX for DISCOVER is in violation of a fiduciary duty. As this Fiduciary appointment was never accepted or rejected within 10 days, it is assumed valid as a non response is agreement under the law. Please note that this notice has been filed with DISCOVER local IRS location. 

As DISCOVER XXXX, XXXX XXXX has been appointed fiduciary and DISCOVER has opened, retained and accepted documents entitled and conspicuously marked SPECIAL TRUST DEPOSIT, those deposits are binding. Credit my account, which is entirely possible for the full amount on the instrument. 
Increase my credit limit to {$20000.00}.