davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (GA)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXXXXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2020-11-27
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: WELLS FARGO & COMPANY (IL)

I have exhausted all of the traditional means available to resolve this issue. I have a serious issue with Wells Fargo and its credit reporting to a settled account that has no balance. I am trying to purchase a home but I am unable to move forward because Wells Fargo is incorrectly reporting me past due on an account that I have settled with them. No monies are owed. I filed disputes with the credit bureaus and XXXX just concluded the dispute with their being no change to the reporting. It has been over four months now since I settled this account. 

I need this account to report correctly and report that no monies are owed and nothing is past due. Please review the attached correspondences directly from Wells and the results from a dispute with XXXX.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

Yesterday I attempted to transfer money using Western Union to a  company in XXXX to purchase scientific software. After going through their on-line procedure and providing the information money transfer services usually require, Western Union asked for the username and PASSWORD of my personal BANK account. Please understand I'm not confusing them asking for my Western Union account password - I was inside their system already when this occurred - they asked for my banking password. I feel the need to report this because no company or person EVER legitimately asks for the access password to a customer 's bank account. If someone at their company obtained that password, they could withdraw all of my money, manipulate my mortgage, bank loans, credit cards and so forth. And of course, the consequences of such a company being hacked are gigantic. This is a totally illegitimate business practice which surely must be illegal and I am attempting to notify the government of its existence.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Citi offered flex-pay offers directly on their website for specific transactions with varying interest rates and payment periods ( i.e. number over monthly payments ). They recently sent an email informing me that I needed to update my monthly payments to ensure flex-payment would not pay off as part of paying my monthly balance in full. I completed this, but there was an issue with the system, and the account balance + flex payment plans were all paid off. They charged me the full amount of the interest ( ~ {$200.00} ), even though they paid off all of the flexible payments early. Also, one transaction ( rent ) incurred an additional transaction fee of {$40.00}. 

I called ( XX/XX/XXXX or XXXX ) to have the flex plan system mistake to be corrected and have the original plans re-instated and they refused. They also refused to credit all of the interest or the portion remaining on future, canceled payments. 

I informed them if this happened to me, it must be happening to countless other customers. I informed them I would be submitting a report to the FTC. They informed me they would investigate and report back on XX/XX/2020 and I have not heard anything back.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Absolute Resolutions Corp. (TX)

On XX/XX/XXXX, Absolute Resolutions filed a petition to collect a debt. My attorneys responded with answers, initial discovery, and written discovery in the court in the first quarter of XXXX. This was followed by aMotion for No-evidence summary judgment against Absolute Resolutionson the grounds that they failed to turn over any evidence in court to verify the debt and any ownership of it. On XX/XX/XXXX, the Court ordered a non-suit against Absolute Resolutions granting the motion for no-evidence summary judgment.They are in violation of credit reporting on this debt and through the court order are barred from bringing evidence into the court. 

Documents supporting these claims are attached.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-01-20
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: Credit Control, LLC (FL)

XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by XXXX XXXX, XXXX. I had no prior knowledge of this alleged debt and I have never given XXXX XXXX, XXXX and other companies who are associated with them such as XXXX XXXX and Credit Control XXXX LLC  my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with XXXX XXXX XXXX No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). XXXX XXXX, XXXX is a third-party debt collector. XXXX XXXX, XXXX has furnished information on my consumer report without my knowledge and permission. I have sent XXXXXXXX XXXX XXXXXXXX and all associated parties such as XXXX XXXX, XXXX and Credit Control LLC a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (MO)

On XX/XX/2020 I sent a certified letter to True Accord for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2.
Consumer complaint received 2020-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (IL)

XX/XX/2020 I was contacted by Speedy Cash personal loans after searching for a loan online help with consolidating some bills. The company collected all my information including passwords to my bank account and deposited a check for me to collect and redistribute to them in exchange for a {$2000.00} loan. The bank called to let me know that the deposit was fraudulent and that I should contact you immediately in order to correct my account. I did not receive the paperwork they promised and they have all my information.
Consumer complaint received 2019-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My husband and I have been sending money to XXXX via my brother XXXX to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XX/XX/XXXX my brother in was contacted by his bank to confirm he was not defrauding me. XXXX confirmed he was my brother and he was helping to handle the building project by organizing and paying the workers. In XX/XX/XXXX Bank of America reach out to me to update my profile to avoid account restrictions. My account was eventually restricted until I called and confirmed the personal information I provided when I opened the bank account. The Bank of America representative indicated that it was because of the number of international wires. My full account activities were then restored and we continued sending wire transfers to XXXX via my checking account. 
Then I received a letter dated XX/XX/XXXX from Bank of America stating my personal checking account and the money market account I share with my husband will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had approx. {$5100.00} with hardly any activity. 
I put this out to dual nationals in the XXXX community and some have stated this has happened to them. 
I strongly believe Bank of America is engaging in discriminatory banking practices by closing the bank accounts of hard working dual nationals based on national origin and should reverse this course. They need to be more educated about this community to avoid this type of discrimination. How will be able send money overseas for projects without relying on banks?
Consumer complaint received 2019-03-20
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: Comerica (NJ)

On XX/XX/2019 around XXXX XXXX I used an ATM in XXXX XXXX  XXXX XXXX XXXX XXXX Fl.. The ATM was owned by XXXX XXXX XXXX. I put in my XXXX XXXX Master Card and requested a cash withdrawal of {$80.00}. The transaction ended with no receipt and no funds dispersed. I asked for the manager and she explained that XXXX has no affiliation with XXXX and to call them direct. The XXXX was debited from my account. 
I called XXXX and they told me only my XXXX XXXX credit card company could handle this mater or file a dispute. I called XXXX XXXX and completed their affidavit of fraud. I was given provisional credit, but almost 2 months later I received a letter indicating the dispute was rejected. While a tracking number was provided, no dispute resolution number was indicated on the letter to allow me to followup with the credit card company. I managed to get through to a Tier 2 agent after a Tier 1 agent hung up on me when I questioned why she was asking for my social security number. 

The Tier 2 agent from XXXX XXXX Master Card indicated the merchant had represented the debit and said my card was charged and told me to handle it myself as they can not do any more for me or get a video pulled.. I agree, my card was charged - but no monies were dispersed from the ATM for that debit to my card. When I did not get my monies or receipt from the ATM I called store manager promptly and followed the correct procedure. There are cameras on ATMs that could validate that no funds were dispersed and my credit card company is claiming there is nothing more they can do. This is deplorable - so XXXX  answer the monies were debited we know that but they were not dispersed. I don't have access the video to prove I'm correct, but they do and my credit card company should pursue this on my behalf instead of hanging up on me and basically telling me that this is all they can do - they did nothing. I want my {$80.00} credit back on my card. XXXX XXXX agent XXXX which I spoke to on XX/XX/2019 around XXXX XXXX  just said sorry and hung up on me. 
Videos do not lie. 

Concerned Senior Citizen for all.
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and have identified a XXXX XXXX  account XXXX {$13000.00} on my credit report that is part of this. 

I filed an identity theft report with the FTC back in XX/XX/2021 and submitted it to XXXX and Transunion so they can remove the fraudulent account. However, they continue to report the account.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of XXXX Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My business account had XXXX transactions from fraudulent withdrawals. On XX/XX/21 XXXX XXXX made XXXX deposits into my account for a total ofXXXX then XXXX withdrawal ofXXXX then on XX/XX/21 XXXX XXXX withdrew {$790.00} I filed a complaint with Citizens Bank and this was resolved. Then onXX/XX/XXXX XXXX deposited XXXX deposits totaling XXXX then on XX/XX/21 while I was on the phone with Citizens Banks XXXX department XXXX XXXX him about the XXXX deposits and I stated I dont have any accounts with XXXX and the representative informed me XXXX had just withdrawn {$10000.00} from my account. I told him it was fraudulent and requested he stop it immediately. He instead filed a claim. XXXX Banks XXXX Department doesnt return your calls. And they are fully aware the transaction is fraudulent! They also know the money was transferred to XXXX XXXX. They claim I have to waitXX/XX/XXXX days before any money will be returned if they can recover it, if not their XXXX Department says that maybe my problem.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

From XX/XX/XXXX to XX/XX/XXXX, Capital One has charged nine cash advance fees in the amount of {$90.00} ( total ). I called the Capital One and they mentioned that they have changed the category for XXXX and started charging this fee. My son who is a teenager student uses this account as authorized user and never knew about excessive fees in using the card. For example, my son paid {$6.00} for a transaction and the capital one charged {$10.00} fee as cash advance. I requested these fees to be refunded since I was not disclosed about this before and my son has used XXXX many times prior but was never charged the cash advance fees. Actually, it is not used as any cash advance purposes. I have called and closed the account because of the deceptive practices used by the Capital One.
Consumer complaint received 2020-11-27
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have been disputing the late payments showing on my account for Capital One which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.