davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

on XX/XX/2022 XXXX fraud charges were charged to my account from XXXX and XXXX. I did not authorize these charges.. I called the fraud department and was no help. My bank was open and was able to talk with one of the banking managers. She tried her best to help that day to stop the pending charges and refund me the amount that was taken which was about {$700.00} but since it was the holiday weekend, nothing could be done until the next business day, which was XX/XX/2022. 
Investigation was taking place due to the fraud charges and was left with no money for XXXX weeks and was money not fully returned into my account. They stated that I had previous charges that were pending which was not true and did not refund all the overdraft fees which was not to my doing. 
I am very disappointed how this branch took care of me after being a customer for a very long time and just want a review in getting my money back that was taken by a hacker in hacking my account.
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting act Hard Inquires Listed below, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I am executor for a relative with an account at Coinbase. 
I have been trying to move the funds from his account to a new account set up for the heirs. 
I have provide all documentation and have spoken to XXXX different cs persons and all say it must be handled by a specialist.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE (NC)

I did not purchase a speaker from XXXX sold by a seller but they charged into my Barclay 's credit card ending XXXX with the amount of {$410.00} transaction date XX/XX/2022, Now it goes up more than {$600.00} due to late fee & interest .I did not receive a speaker, what I receive was XXXX yellow envelope with the USPS tracking numbers label, the numbers are exactly same the tracking numbers XXXX provided XXXX THEY SAID order was delivered. I think this is totally scam
Consumer complaint received 2022-11-30
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. (MO)

My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: WELLS FARGO & COMPANY (GA)

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 agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as toe transactions or experiences between the consumer and the person making the report ; 576 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2022-09-21
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. (PA)

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Med-1 Solutions, LLC (IN)

Med 1 solution obtain garnishment order without notifying me of a court date. I got a copy from my work after questioning the deduction ( attached below ). This account is paid in full and has been closed and removed from my credit report. I have spoke to them twice and requested debt verification and my address. I have also mailed a letter to them requesting this information. They are currently garnishing my wages for a account that is closed.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (VA)

My credit karma card was locked because they suspected fraud nothing that I called in personally something they said I signed up for but I was unaware. I only use my card once a month..on XX/XX/XXXX when my money is normally available on my account I tried using my card at the XXXX  gas station on XXXX in XXXX Virginia it was declined because I entered the wrong pin.I changed my pin thru the app I tried to get gas it declined once again I get an email saying someone was trying to withdraw XXXX $ from my card so I kind of ignored it cause Im standing at the gas pump trying to get gas with my card in hand. I knew that email wont the truth.Next I went to XXXX and try to buy a couple of items my card declined once again thats was the final draw so I called CREDIT KARMA to see what was going on thats when they transferred me to the fraud department Im like fraud so when someone from the fraud department get on the phone she demanded I answer questions about something I knew wont no fraud attempt and treated me as if I was the fraudster. I refused and linked my cashapp card and used that until my card was cleared fast forward to the day b4 my expected deposit which was the XXXX of XXXX I called again to clear the suspected fraud transaction after I cleared them the agent told me she was unlocking my card I hung up phone on her.The XXXX come my account is still locked and no deposits available on my account so I called back they tried telling me three times that my account was unlocked but clearly it wont because I can see from my online account that it wasnt. I informed her I could see that it wont unlocked and I asked to speak with a supervisor she put me on hold as if she was looking for a supervisor she got back on the phone and said there was no supervisor on the floor at the time so she will help me then boom my account is unlocked I said thank you miss but I have one more question? WHEN WILL MY TWO DEPOSITS IM EXPECTING TODAY WILL BE AVAILABLE ON MY ACCOUNT SHE ASKED THE AMOUNT WHICH I TOLD HER SHE SAID YES I SEE THEM IT CAN BE ANYTIME TODAY JUST KEEP CHECKING UNTIL END of day which I did as well as call every two hours just for other reps to tell me they did not see them here it is the XXXX XXXX am and still the same thing.PLS HELP ME WITH THIS SITUATION ITS NOT FAIR IM A SINGLE MOTHER OF XXXX CHILDREN AND ONE ON THE WAY MY TV IS OFF BECAUSE OF THIS MY KIDS HAVENT BEEN ABLE TO DO THEIR SCHOOL ON tHE COMPUTER BECAUSE THERES NO INTERNET I HAVE NO FOOD AND NO HELP
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED BANKSHARES, INC. (VA)

I transferred money thru XXXX thru my bank United Bank. I sent it to the wrong number but after XXXX minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from United Bank that they can not help me get my money back which is {$1100.00}. 

My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. 

I sent a message to the person with wrong number to return the money but did not return it. 

After talking to my bank who insisted they can not help and suggested I called XXXX, which I did, now XXXX is telling me that they can not help and should call my bank. 

My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. 

If the person 's name does not even match, why process the transfer?
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc (SC)

I am a XXXX old XXXX XXXX and nutrition expert since XXXX. 
At XX/XX/XXXX XXXX, I've had experienced an upnormal chest pain and vomiting, with higher than normal XXXX XXXX that was ( XXXX ) XXXX Pulse, before an Imbalance arrival, and this weren't normal for me because, normal XXXX XXXX of a fit person high performance athlete, as is predominantly being below a XXXX, as i used to. 

The Imbalance have arrived, so they've taken me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) located In the XXXX XXXX XXXXXXXX, SC, and after diagnosis have finding out that I have XXXX XXXX XXXX XXXX  XXXX which is obviously TRAUMATIC, XXXX  in summary ( is known as a breakdown of damaged muscle cell contents into bloodstream can cause organ damage such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). So my ( XXXX XXXX XXXX XXXX XXXX  XXXX which is dangerous and can lead to death, while normal XXXX level should be around ( XXXX ), I've had an insufficient medical treatment by XXXX that had reduced my XXXX level ONLY to XXXX, and then without notifying me that I've still in dangerous health condition, the XXXX doctor have told me to go back home. 

So I left the hospital after a few hours around XXXX NOT feeling well have the same symptoms that I've mentioned above, no change, went back home still vomiting my XXXX XXXX still high with high XXXX rate, then I've had called my URGENT care doctor named ( XXXX XXXX XXXX- ( XXXX XXXX XXXX XXXX ( his medical care address and business cell number in this complaint as well ) then have visited him, he have told me that I still need a treatment you not suppose to leave the emergency until my XXXX get really low at least below XXXX, so he had followed up with me for the following months as it shown in the receipts of each visit to him ). 

A few months letter I received a {$3500.00} bill from the XXXX XXXX XXXX for their insufficient treatment, as it shown inhere, I could be dead already because of this reckless treatment via XXXX, so XXXX didn't treat my health problem the way that I suppose to be treated, the normal XXXX  should be only from XXXX to XXXX according to the scientific data and I wasn't know if I am going to be able to survive from this health problem or pass away! 

I have treated myself via an urgent care who treated me as it shown on the receipts and prescription in the attached file.
Consumer complaint received 2021-04-21
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. (CA)

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX  XXXX - XXXX XXXX {$14000.00}
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (TX)

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. 

Account names 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 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 2022-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MN)

This complaint is about my discover savings account. I suddenly got an email from discover saying a suspicious account activity is reported on my account and so account is locked and said to call a number to unlock the account. 

I have been trying to call discover from Thursday XXXX Since then, Everyday the call goes on for XXXX hrs and gets disconnected after XXXX hrs. I have been spending nearly XXXX hrs a day on call and not even able to talk to an agent and the agents on chat and on discover social media accounts couldnt help and they say to talk to the same number. 
The auto recording says estimated waiting time XXXX minutes but the wait goes near to XXXX hrs and gets disconnected. 

I want discoverbank to have a good customer service to be fast to help people from this situation.
Consumer complaint received 2017-03-02
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Experian Information Solutions Inc. (FL)

Experian sent a letter stating someone had tried to change my name, ss#, or address.  Because I had a security freeze on my credit they were required to inform me in writing within 30 days.  Then referred me to their website to view my credit report for a $XXXX charge.  I did receive the report with no changes made and now they are charging me an additional $XXXX  This is very deceiving in what they try to sell on their website through a scare tactic of someone trying to break the security freeze.  They will not tell you who or which creditor has tried to make a change so they are just ripping everyone off by using this scare tactic and charging the $XXXX every time they send one of these letters out.
Consumer complaint received 2022-06-07
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. (OH)

Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect information.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (WV)

PayPal prepaid/NetSpend debit XXXX opened XX/XX/2022 several XXXX deposit and withdrawals had been performed, but there was no evidence no transaction of any where appearing anywhere in, so I called all the time to complain, was treated very rudely, accused of stealing, lieing, owed nd told it's your account not our issue.09/20/2022 Unauthorized withdraw {$530.00} for XXXXXXXX XXXX XXXX reader taken by XXXX Play athorized by XXXX Pay XXXX only knew this because I called before bed to check balance and again in morning and wasn't correct, called agent informed me of the issue and wouldn't wait for me to get the rest of my cash off the card he blocked it, and last I've seen or heard about, on XX/XX/2022 XXXXXXXX XXXX refunded me for the XXXX that was added XX/XX/2022 charged XX/XX/2022 and refunded XX/XX/2022 proven no purchase {$74.00} refunded and XX/XX/2022 I received in my XXXX invoices for everything and screenshot or downloaded as much from there mobile app, but they won't accept, also XX/XX/2022 day card was blocked and agent informed me of the transaction those records are missing I have bank statement showing I had money XX/XX/2022 {$2300.00} on card withdrew {$1500.00} XX/XX/2022 and was {$620.00} still on card night of XX/XX/2022 XX/XX/2022 invoices for that day of transactions gone XXXX XXXX isn't even shown how I obtain the cash