davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: PENTAGON FEDERAL CREDIT UNION (FL)

In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through

1 5 different banks. Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
Consumer complaint received 2020-05-24
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. (VA)

In XXXX, my Citi XXXX World Mastercard was stolen ( I believe it was skimmed at a gas station ). Numerous fraudulent charges were incurred on my card. Citi alerted me to the charges and we worked together to resolved almost all of them. However, there was one charge that was never refunded to me, and not only that, the charge in question is a subscription service to XXXX, a cable service, which has been getting charged {$89.00} to my card every month since. I have now been charged {$89.00} in XXXX, in XXXX, in XXXX, and I am expecting it to happen again in XXXX.The amount I have been charged fraudulently so far totals {$260.00} and counting. 

I told Citi that the XXXX charge was fraudulent during our initial conversations when the card was first stolen, but this charge still remains the one that was never refunded to me. Since those initial calls in XXXX, I have called them at least a half a dozen times and have spoken to at least ten representatives about the issue over many weeks ' time. My card has been cancelled and reissued three times and I have been assured many times that the problem is being taken care of, yet I have never received any refund for the charges AND my card continues to get fraudulently charged on a monthly basis for a XXXX account that is not mine. 

I just want my money back, I want my card to stop getting charged every month, and I want this customer service nightmare with Citibank to end.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WV)

XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX TODAYS DATEXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me XXXX XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (FL)

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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXXXXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 1XXXX 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 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My XXXX Score was XXXX, for no explanations My XXXX score was deducted XXXX points to fico XXXX. 
My credit score is XXXX, it's been XXXX or higher for XXXX mos. 

I'm an XXXX American, female XXXX veteran, I pay all my bills on time. For the past 24 months my credit score has been XXXX or higher. My fico score is deliberately being kept low. 
My CREDIT SCORE is XXXX My XXXX score is XXXX, 7 months in a row Trans Union LLC & XXXX XXXX XXXX ( Fico ) are DISCRIMINATING AGAINST ME & PENALIZED ME.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Transunion again and they sent me a response to my request to have fraudulent information removed and blocked saying that received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. Its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion report at transunion.com/repair letter. I am asking again to remove these accounts XXXX XXXX XXXX, XXXX, XXXX XXXX & XXXX. There are also inquires that I have requested to be removed as well for XXXX, XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX. If they were so concerned about me and my privacy they would have fixed this the past times I have contacted them. I have not hired anyone to do anything for me and I dont feel I should have to contact them over three times.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have sent two letters certified to the Collection Agency, disputing and requesting validation of a debt they claim I owe according to FDCPA, 15 USC 1692g Sec. 809 ( b ). One on XX/XX/2019 and the other on XX/XX/2019. In return I received copy of an invoice from them of the original creditor with a XXXX balance. 
This is not a validation of the debt. Nothing with my signature and the original amount according to the invoice was {$1700.00} and they claim to be collecting {$300.00}. The unverified items remain on my credit report in violation Federal Law. They have not provided me a copy of Any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 612 ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (TX)

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXXXXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : XXXX  XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXXXXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXXcct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I flew to the United States to open a personal checking account. I was able to do it at SunTrust Bank ( now Truist Bank ). Everything ran smooth ( all transactions ) during that year until XXXX XXXX. Suddenly in XX/XX/XXXX, out of nowhere Truist Bank blocked my account, also restricted my access to online banking without even explaining what was going on. I called several Truist customer service numbers ( XXXX ) ( XXXX ) and the hold was for hours. Calling those numbers is a real nightmare. I spent 2 months ( XXXX & XXXX ) calling and nobody was able to explain why the bank had inactivated my account. Finally after months of calling, waiting for hours, a service agent told me to call a different number ( XXXX ) Fraud related!. At least the waiting time in this new number was lesser. All the Bank told me was that my account was under investigation and that I had to wait for the investigation to end. Meanwhile I dind't receive any calls, emails explaining the process or at least providing me with a contact person. This month ( XXXX ) I was surprised when I called again, the service representative told me that the Bank closed my account and the Balance today was cero {$0.00}. When the Bank inactivated my account in XX/XX/XXXX, my last balance statement was {$14000.00}
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

In the second week in XXXX I have noticed that my business account has a check cleared for the amount of {$2600.00} under an unknown name. Since that check was Written to my waster company for for {$230.00} and was dropped off at the mail box. I have called Td bank immediately and they have explained to me that this check has been washed and cashed! 

I have information my bank immediately and frozen my account! The next day I have gone to my local td bank and opened a new bank account but they have failed to help or inform me that I have to make AFFIDAVIT OF FORGERY and send me in my way! 

THRE MONTHS has passed and I have been call them and going into several branches and they have all said you have to wait or it takes a while! Then finally they informed me that I need to fill in the AFFIDAVIT OF FORGERY and to file a police report too! THRE month later!!! 

FORTH MONTH LATER STILL NOTHING! 
I call they tell me the have no further information?! This is the first time my business has been defrauded and expect THE BANK to tell me what steps and need to take when something like this occurs! It doesnt take four month to give me my money back! I am a small business and this is a very large amount for me to loose! Please help!
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent multiple letters stating this information/accounts are incorrect. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willfully non complying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " repair/delete '' the following accounts ; XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX # XXXX. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX