davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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 am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity.

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information.

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored.

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse.

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity.

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved.

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been making payments into my account for years, and have never had a problem with payments posting to the account until now. I made three payments into this account last month and then again at the billing cycle and these payments come out of my checking account, but they do not count toward my minimum payment due. Despite paying over {$3.00} this month alone, they demand another payment of {$230.00}. They refguse to acknowledge the payments that I made already.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank is acting on Amazon store card to fraud me my hard earned dollars. Last month I was paid {$120.00} to this same bank account and this month again they sent me {$26.00} to pay them for not buying anything from Amazon or any services rendered for me. This is a serious fraud of obtaining money from innocent people. Thanks for assisting me to cancel and regained money sent to them last month please
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.
Consumer complaint received 2024-02-21
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. (NJ)

I am lodging a complaint today to report that I have been the victim of fraudulent activity. Upon researching the process to remove these fraudulent items from my credit reports, I discovered that I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that do not belong to me or were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Well I was trying to save money in my chime account but I was switching from XXXX  to XXXX so I didn't have access to my account online and I finally got my XXXX got it set up you got to plugged in and it says that there is a bunch of transactions from XXXX XXXX. I don't have a XXXX XXXX I not allowed to have one I didn't make any of the transactions at all and I tried disputing the charges and they said that that the charges were not of error and they closed the disputes no questions asked may I mention that the transactions were definitely not small charges at all
Consumer complaint received 2022-01-17
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. (GA)

I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.
Consumer complaint received 2024-02-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: West Coast Servicing, Inc. (PA)

On XX/XX/2024, WEST COAST SERVICING Inc. sent a threatening letter stating their intent to Foreclose on an alleged mortgage they say is owed to them. Notice I do not accept nor do I wish to contract with WEST COAST SERVICING Inc. or any of their Affiliates. They also stated that the alleged mortgage had reached its Maturity date of XX/XX/XXXX, XXXX as of this complaint XX/XX/2024. It's more than 4-years past the Pennsylvania  statute of limitations and it does not include the time from when the debt first went unpaid. WEST COAST SERVICING Inc. Has violated my rights with their swindling tactics. 

See attachments for full complaint and remedies
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

Complaint # XXXX was previously filed and believed to be resolved but was not. XXXX XXXX, XXXX only changed collection companies to Amsher Collection Services , Inc. for the same billing error trying to bill twice for cable internet service. There is no rational or logical reason to want or need two internet cable services about the same location, for the same business, for the same download, that existed before, and still exists the same. Especially after the previous service was cancelled and XXXX continued to bill despite cancellation. This attempt at a false collection is bullying me especially after the previous collection company withdrew!
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My XXXX son checking account experienced fraud via atm w/d in XXXX Fl we live in XXXX ; we called BOA the first fraud claim was mishandled and not file correctly so 5 days later I had to call back and re-file the claim also request for the {$15.00} rush card fee to be reimburse that had not been reversed as promised. I also asked for provisional credit since my XXXX  son was not in XXXX and had his card in his possession the entire time. I call today XX/XX/24 to follow up on the status of my sons claim and inquire about the ATM footage also offer to file a police report if needed and was told they could not provide me with information only to my son which is ridiculous since he is at school and again a XXXXyear-old XXXX and my name is on the account as joint account holder and the adult! Also, the representative slipped and stated they would take the provisional credit back XX/XX/XXXX because they said my son gave his card to someone, which is untrue since again only my son and me have access to his account and my son has the original debt still in his possession! I would like to mention that I recently left a XXXX career in the XXXX industry. Th representative did absolutely nothing to assist me resolving this matter and I find it disturbing as one of the largest banks in the United States. Let 's get back to taking care of people and doing things right in banking because without people placing their hard-earned money and applying for loans these intuitions would not be in existence especially in today 's world of up-and-coming XXXX companies. I WILL bring my complaints to media, our local government and state gov along with the state of XXXX banking commissioner office. 
XXXX
Consumer complaint received 2022-01-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

On a new car lease dated XX/XX/2021 with Hyundai XXXX, I made monthly payments and received written confirmation as follows, dated : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/XXXX. 2021 All payments were electronic transfers from my bank account ending in XXXX. 

Beginning with the XX/XX/XXXX payment, all payments were completed with Auto-pay a Hyundai XXXX XXXX XXXX which I set up and received email confirmation dated XX/XX/XXXX. 

On XX/XX/2021 I received phone call from an individual who stated they represented Hyundai XXXX XXXX Department who stated my account had been referred to for collection to a contractor XXXX XXXX who requested a large payment amount. 
I knew my account was current and had been paid before the monthly due date since the lease began. For that reason I suspected the caller was a scammer, as the phone number did not show up as HyundaXXXX XXXX. 

I asked to speak to a manager, and was connected with XXXX XXXX who stated XXXX was not in effect and the service was not available to me. She stated several late fees had been applied to my account. She also stated my bank had rejected payment on several of the auto-pays. I stated this was impossible because I have copies of all confirmations or receipt. I REQUESTED ALL LATE FEES BE REVERSED, and a written statement of their error. 

Before the XX/XX/XXXX call, I had never been contacted by Hyundai XXXX ; not by email, nor my phone nor by a statement to my home address. I wrote a letter to Hyundai XXXX dated XX/XX/XXXX, disputing the handling of my account, and never received an response. In the letter I requested confirmation stating they made a mistake and that all late fees and credit reporting be immediately reversed. 

After I ended the call, I checked my financial statement that are used for Auto-Pay but I did not see transactions on the dates shown on the confirmations I received from Hyundai XXXX XXXX 

I consider this to be suspicious and predatory! I contacted the financial institution used for Auto-Pay, XXXX XXXX XXXX and met with the bank officer, who stated that not one electronic payments had been rejected. I gave the bank officer copies of all confirmation notices from Hyundai XXXX, and he immediately called Hyundai XXXX. He advised the rep that XXXX XXXX had not received nor rejected such amounts. 

This dispute remains unresolved. I have since paid off the lease since I consider their tactics to be dishonest and predatory.
Consumer complaint received 2021-06-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I noticed there were a few inquiries on my report that I did not recognize. & had not applied for. I contacted Equifax and told them I did not apply for anything from XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX and requested that it be deleted and they refused. I want this deleted ASAP.
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft, This fraudulent account doesn't belong to me. I dont recognize it, nor did I authorize them., Can you please delete and block the following fraudulentinformation from my credit report. 
*see Attached*
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

Hi! I enrolled in Best Buys credit card through Citibank XX/XX/XXXX to buy new appliances for our home. We are frequent buyers of Best Buy and my fiance and I are both in great credit standing. 

Our Balance as of XX/XX/XXXX was {$1500.00} out of {$6900.00}. We paid the majority of this within the first year in a lump sum. They ran a 2 year promotion of interest free and when XX/XX/XXXX hit there was {$2400.00} on my account for an interest charge. Before this and after this, I received XXXX cutesy notification that the promo was expiring or that this would be what would be hitting my account. I recently received ( 1 week ) calls from their call team trying to collect money that now the balance is {$3900.00} within 1 month. I called and tried to talk to multiple supervisors and they told me there's nothing they can do. I offered to pay the remaining balance right away and for an interest charge of the remaining balance. Instead they said there's nothing they can do and I had to pay a 3x of what my outstanding actually is. They had XXXX cooperation and very little customer help. Again, we are frequent shoppers and have perfect standing with credit and the majority was paid. This promo charge is ridiculous considering what the balance left and Citibank is a complete scam with their lack of communication or heads up to their customers of anything changing. They only called to collect after that large interest charge was put on the bottom line. I will no longer be affiliated with either companies. This is a major disappointment across the board.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Credit Card used to purchase XXXX XXXX tickets in my name, false address, false e-mail, and false phone number. ( all similar to mine ). XXXX says it's fraud go back to Wells Fargo. Wells Fargo says they were purchased in my name, only the person named on the ticket can fly. Had a lawyer send XXXX XXXX a letter, but they replied no fraud case had ever been filed and sent me back to Wells Fargo. I never authorized the purchase of these two tickets or had any idea who purchased them or flew them. I filed a police report and they referred me back to Wells Fargo. Asked for a Wells Fargo supervisor to call back more than twice and have never received a callback. 
The account is closed and paid off except for charges of the airfare, late fees, and interest. Under {$2500.00} is owed but now the lack of payment has affected my credit.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hi ... .I have had to report issues to TRANSUNION , XXXX and XXXX numerous times. XXXX XXXX XXXX continues to attempt to collect a debt from me that is not mine. XX/XX/XXXX someone got a cable service in my name. I did not even have a drivers license.I was born in XX/XX/XXXX. I was not old enough to have this type of bill at all. The reporting company is XXXX. I have told them and they do nothing about it. I also have a medical bill which is not mine from XXXX XXXX XXXX. This is not mine and needs to be removed from my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on the XXXX report. The Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Also, the Date of Last Payment shows inaccurately with the bureaus ; XXXX XX/XX/XXXX while the other bureaus are not reporting this. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I have been waiting for over 90 days. I am filing this complaint because SEQUIUM ASSET SOLUTION for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2022-01-17
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. (NC)

I have been waiting for over 90 days. I am filing this complaint because XXXX  for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2022-01-17
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)

I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i