davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

Im reaching out because after a review of my credit report I found this creditor on my report. Before being placed on my report This debt collector did not attempt to reach out or inform me of any such debt toward me. This is having a negative impact on my credit score I need this account removed. By law, a creditor must inform me of the alleged debt against me and give me 30 days to resolve the issue which this company did neither. I have no issues with paying the balance but this account must then be removed from my credit report not settled, not paid, but removed. I never received calls or mail correspondence related to the account.
Consumer complaint received 2022-07-12
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. (OH)

XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-12
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-12
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. (IL)

1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a XXXX letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap thank you
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-12
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-07-12
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. (TN)

Citi Advantage card was taken out in my name. On Sunday XX/XX/2022 received by email notice that I had a card balance of {$3300.00} as of XX/XX/2022. Since I had not requested this card I called Citibank that same day and reported that I had not applied for this card. They indicated they would open an investigation. I received the credit card on Monday XX/XX/2022. Interestingly enough I received from the XXXX XXXX XXXX an Official Change-of-Address validation on XX/XX/2022. I contacted the XXXX by phone and advised them I had not requested a change of address on XX/XX/2022. XXXX requested more information on XX/XX/2022 which I provided. 

This was not first time I have received correspondence from financial institutions on loans being applied for. In XXXXXXXX XXXX 2022 I contacted XXXX and had them add fraud alert to my credit report. They shared with XXXX and XXXX and the alert is supposed to be there for a year.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Hi, my name is XXXX XXXX and I have a joint bank account with my mother XXXX XXXX. Around XXXX the PNC Bank mobile app and website was not letting us log into our accounts. The next day, we were able to log back in and saw that all of our money was gone. I called PNC bank and they told me many people were hacked that day. They told me they couldnt do anything over the phone and told me to contact the police. I contacted XXXX Police Department and they told me they couldnt do anything until PNC bank wrote them a letter confirming that our money was missing. I went to the bank and I was told I no longer needed to involve the police and that they would do a dispute to return our money. When the dispute was done, we received back our {$3600.00}. This month PNC reversed the dispute done in XXXX and said my mother and I needed to repay them the money that was returned to us. They took my mothers paycheck of {$1100.00} out of our account and they also did a fee of {$72.00}.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (FL)

The bank was XXXX XXXXXXXX XXXX, it was shut down due to a ponzi scheme. XXXX XXXX XXXX XXXX, handled by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, phone XXXX with email XXXX informed us that the XXXX, XXXX and XXXX check they sent us were never cashed. In addition the XXXX check they claimed due to the embargo against XXXX, where we reside full time, was sent via regular post office mail, which we never received as there is no postal service in XXXX. When we tried to deposit check {$5.00}, XXXX & XXXX, they bounced because the bank that issued it, Bank of the West, XXXX XXXXXXXX XXXX XXXX stated that the signature on the issued check, not our signatures, the person who signs and approves the checks to be paid was not a recognized signature ( signature irregular ). We called the Bank of the West and they sent us to our other XXXX XXXX XXXX XXXX to deal with them. We met with XXXX XXXX and showed us how they were returned/ bounced due to the Bank of The West not recognizing the issuing signature. We have emailed XXXX XXXX XXXX and have called them numerous times and no response from them. They asked us to email them a Wire Transfer Form, which we did, and they did not take action. We have lost so much money to begin with due to the fradulent business practice of XXXX XXXXXXXX XXXX and we have to be able to recuperate at least what the Bank of The West in CA has issued. We spoke to The Bank of the West in CA and they state because it has been to long the checks expired. But they returned the checks to XXXX  and by the time it was addressed now time has expired? Please help us. Thank you
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

In XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX woman XXXX : XXXX XXXX has sent multiple negotiable instruments monthly to Discover Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Discover in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Discover informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Discover ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

In additional, Discover has also charged me an interest fee of {$130.00} and decreased my credit card limit as the account was orginally opened with a beginning balance of {$15000.00}. 

Discover has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination. Discover has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. Discover also refused to accept my Negotiable Instruments as payment but never returned any of the three negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. 

Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603. Discover has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NY)

I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (FL)

On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.
Consumer complaint received 2022-07-12
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # XXXX have 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} NC XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

While using my atm debit card in XXXX, I noted that the currency conversion was not taking place. I contacted chase and they began to close my account. I have filed a case with the FDIC and OCC and have not recieved a proper response from Chase nor recieved the access to my funds.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

I filed a complaint previously and the company closed it. The issue is not resolved and I dont accept their response, I only knew about the interest after I took out the rest of the money. I actually still have the money and tried to pay it back with in the XXXX to avoid their exorbitant fees but they block the website from taking payments within the first XXXX XXXX forcing a customer into a store where their high pressure sales agents basically keep you from changing your mind. If you check footage of the day youll see that he just rushed through all the prompts and skipped everything. He was helping multiple people at once. Their process is digital and set up so the customer has to scroll through the information. The agent took the mouse and skipped everything.