davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I was scammed out of {$2000.00} by someone pretending to be Citizens Bank. I received texts stating, " Citizens Bank Fraud alert- reply Y or N if the purchases are authorized. '' I then selected " N '', and received a text saying, " Thank you, Citizens Bank will be with you shortly. '' Then, someone on the phone told me that a claim was put in and asked me to verify my email. It was only after the fact and after going into the branch that I realized it was a scammer all along. The scammer hacked into my online banking and used a service called XXXX to send himself payments of {$1000.00}, {$900.00}, and {$100.00}. I could not access my online banking so I knew something was up, so I went into the branch at XXXX XXXX in XXXX, MA on XX/XX/XXXX. I was told that a claim had been filed and I should get all the money back by the end of XXXX by XXXX XXXX XXXX and XXXX XXXX. By the end of XXXX, I called the bank once more as the money was not returned. The fraud department told me that they could not find a claim. So, we had to submit a whole new claim as the bank either lost it or a claim was never filed and I was lied to. After filing the new claim, I was told that a provisional credit would be given to me so that I would get the {$2000.00} back. Once more, I did not get a provisional credit and contacted the bank once again. XXXX told me that they are just backed up and I should get the money back. Then, I received a letter in the mail dated XX/XX/XXXX, from Citizens Bank which stated that they dispute the claim saying that the {$2000.00} was authorized by me ( which it wasn't ) and thus, they will not credit me the {$2000.00}.
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. (NY)

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

On XX/XX/XXXX I purchased 3 US Bank Visa Gift Cards. All 3 of the cards were properly purchased but all 3 are still not working. The receipt says Activation within 24 hours. I called US Bank Support ( XXXX ) on XX/XX/XXXX. They informed me to fax in the following : 1 ) Receipt 2 ) Front and Back 3 ) DL 4 ) Mailing Address 5 ) phone number to fax number XXXX. I did this and confirmed fax was delivered. I'm providing what I faxed in the attachments. 

I have called about XXXX0 times on various times on XX/XX/XXXX asking for an update as all 3 cards are still not working, but support number says they are busy and to call back later.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (LA)

Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (AL)

I have been trying to change my bank ( XXXX XXXX XXXX  ) with grain to my new bank ; which has closed down. Grain gives no option to pay with another checking account, which caused me not to be able to pay my bill to lower my statement credit for the month of XXXX. I need this fixed.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have had a checking account at Chase bank for 3 years. I have been a good customer. Never overdrafts. On XX/XX/2021 I deposited a check for {$22000.00}. The clerk informed me within 5 seconds of me handing her the check that it was going to be put on hold for 10 days. She or anybody at the bank did not give me any explanation. As I understand it, that is not legal or policy. I have called Chase 4 times on XX/XX/2021 and got nowhere. They just put me off to another department. 
I also want to file a XXXX discrimination complaint against Chase. It seems that anybody with a XXXX name in Texas is an ilegal alien or a drug dealer. That is the treatment I received. I happen to be a XXXX  for XXXX  years and a USA CITIZEN for all my XXXX  years of life. I was born American and proud of it. Of course Im closing my account at Chase.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (CA)

Experian is not verifying the debt. They let these companies send in anything and tell me it was verified. I ask for proof from both the companies and Experian and I have yet to receive Verifiable proof ( Signed Contract ). I am an Identity theft victim. I am trying my best to clean up this mess. I submitted my dispute in writing and the next day Experian told me all of these accounts were verified. This is a clear violation of the FCRA. They have not supplied me with Verified proof. I have asked the companies and the credit bureaus and no answer just letters telling me it was verified they are allowing companies to send in false information which is fraud and illegal. I want these accounts removed from my credit report immediately. They have 30 days and the companies in question have ignored all 3 letters I have sent out. I then brought it to the credit bureaus ' attention just for them to tell me in 1 day it's valid.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX BANK violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX BANK has violated this law because this late payment is reporting on TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX BANK has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX BANK has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (IN)

I have sent two disputes to Experian, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX  account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NV)

NetSpend corporation locked my account and kept me away from my funds after I filed a few disputes as it was frauded and my card was being used by someone else. I tried fixing the issue to gain access to my account and did everything they asked like identity approval, they approved me and I still didn't gain access they took it up on themselves to close my account after the asking of my id, social, address and other information. They were still charging me fees and didn't allow me to gain access to any of my information bor did they have valid reason as to why they asked for identity or as to why they closed it afterwards
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CORELOGIC INC (WA)

Recently sent a fax to freeze report, used their form and faxed it over today XX/XX/ " Corelogic/Credco '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me.Please send me a full consumer report and freeze my report. All I want is to have my report sent to me with pin for freeze as well.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

I called JP Morgan Chase to find out the status on my account, which is a debt I owe. The representative I spoke with told me that if I did n't enter into a payment plan or a settlement, my wages would be garnished upon filing my tax return.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 XXXX XXXX refunded and airline ticket to my Bank Of America credit card for $ {$3800.00}, See attached refund confirmation from XXXX XXXX. As of today XX/XX/2020 almost three weeks after the refund, Bank of America has not refunded my money. I have talked to multiple customer service people at Bank of America and every time I have been told the money would be credited to my account. Last time I was told it will show in my next statement closing of XX/XX/2020 of course they lied. I received the new statement and still the money is not there. Basically Bank Of America Stole the money from me and of course is charging me for all new charges but does not credit the money refunded three weeks ago by XXXX XXXX.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX   XXXX XXXX '' from XX/XX/2015-present.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian received my correct personal information along with identification correspondence per USPS certified tracking # XXXX on XX/XX/2022. Pursuant to 15 USC 1681, credit reporting agencies have to report accurate and up to date information, and Experian is in direct violation of this. Per my letter, I demanded Experian to delete all incorrect and inaccurate personal information and XXXX XXXX I received the dispute results, and Experian is still reporting incorrect and inaccurate personal information. 
Pursuant to 15 USC 1681a ( 1 ) this grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 
Pursuant 15 USC 1681a ( 2 ) - your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Delete this inaccurate and incomplete information immediately from my consumer report. If not deleted, my next step will be litigation.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

We began the application process in XXXX of XXXX and went under contract on XX/XX/XXXX with a closing date of XX/XX/XXXX. Weve provided all necessary documents and statements within a timely manner. On XX/XX/XXXX, my husband and I inquired about options to reduce our monthly payment and on that day, our Loan Originator provided us with the options- a rate buy down OR a 5 % down payment. After discussion and finding out that both options would only afford a minimal reduction to our monthly payment, we decided to keep things as is. On Monday, XX/XX/XXXX - 4 days before closing, we were advised that we now have to put down a minimum of 5 % which equates to an additional $ XXXX that we have to bring closing in just 3 days. The reason for the increased down payment is due to our lender advising us incorrectly that we could put 3 % down for a conventional loan, even though we were pre-approved for and the initial loan estimate disclosed the 3 % down payment, and this is not a result in change of circumstances on our end. At this time, lender has only reduced the origination charge by a minimal amount to remedy this situation. We sold our home on XX/XX/XXXX and are now being forced to bring this additional money to closing due to the lenders error, without any clear explanation as to what changed. Updated closing disclosure shows that we increased the down payment amount, which is not true.
Consumer complaint received 2021-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hello, XXXX years ago i found out that my SSN was compromised with my tax accountant. Since then i have noticed this collection account on my credit report that is indefinitely not mine. I have tried to dispute online with XXXX and it remains on my file. Id like to report this here now as i know this as Fraud and i need help in clearing my name. I have never owned a XXXX in my life. There is no way this is me. Would be so grateful if you can investigate and look into this further on my behalf. This information is ruining my credit history and affecting my ability to get a new car and home. Ive also never received any notices from this company at my home, po box , via phone or email. I have no knowledge of the account number as i never was connected to this account. I am attaching my license as proof i am me for purposes of this report. Attaching a report from XXXX. 


Thanks in advance for your help. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-01-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: M. G. Credit, Inc. (FL)

I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation