davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENOVA INTERNATIONAL, INC. (IL)

Headway Capital provided me with a loan at the end of 2019 for equipment in my XXXX. 

Our XXXX  is not an XXXX XXXX and we were shut down. 
Numerous conversations, emails and a letter from my attorney was sent to the company to solidify their agreement that they would restructure the loan and halt future payments until they provided a new payment plan as discussed in our verbal communications. 

They never provided an alternate payment plan. 
They did not withdraw funds for two months and they contacted me to confirm that no payments would be withdrawn from my account for the months of XXXX and XXXX. 

On XX/XX/XXXX they withdrew {$850.00} from my account without approval or notification causing my checking account to go negative. 

This was in blatant violation of the agreement to not withdraw funds without prior approval. 

Headway was contacted on an ongoing basis for almost 4 months about this account and what would be acceptable for payment.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-07-01
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. (AR)

IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I am a victim of identity theft and have submitted a FTC and Police report to the credit reporting agencies, who then forwarded the information over to Genesis Credit Management. Genesis Credit Management has been reporting WRONGFULLY and INACCURATLEY for 1 year. Genesis Credit continues to remove the account from my credit report and then place it back on with an even high balance. I have NO knowledge of this account and have NEVER lived in the state of Colorado. Genesis had REFUSED to acknowledge the information that has already been provided to them. Genesis continues to harass me asking for signature samples which is NOT mandatory when they have received a FTC Identity Theft Report AND a police report and Genesis has CONTINUED to harass me and cause me to be wrongfully denied for credit violating my rights as a consumer. I will be in contact with attorney to pursue genesis in the court of law if this isnt resolved.
Consumer complaint received 2020-07-01
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. (AR)

IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2021-01-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: LAKE MICHIGAN CREDIT UNION (MI)

XXXX XXXX around XXXX XXXX XXXX popped up on my computer shortly after i received phone call, lady by name of XXXX XXXX # XXXX call me told me she is from Lake Michigan Credit Union which is my bank. she informed me that my information is hacked and that a " dummy " account needed to be setup so my money is safe also she informed me that officer from social security administration will call you. soon after men by name XXXX XXXX phone number XXXX call me and told me the investigation is on going he advise me not shire any information with others sand me a document title social security administration and inform me that he is working with FBI and all the law enforcement to secure my information. on XX/XX/2022 XXXX call me she provided me with wire information and had me send {$72000.00} to that account. XX/XX/2022 she instructed me to take out {$6000.00} in cash and deposit it into a bitcoin machine.
Consumer complaint received 2020-06-30
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: CITIBANK, N.A. (OH)

I have tried multiple times to call citicard support. Also they have no email to access them. I believe what Citicard did is not fair to me as a creditor. I had credit line of {$14000.00}. My wife made a mistake one time and sent the payment a few days late. Yes, it was our mistake. We have been paying down all of our accounts. I have worked every day through out the whole coronavirus epidemic. Paid all of my credit cards down. Citicard dropped my available balance to what I owe them. Crushing my credit score. I would have a higher credit score if I filed bankruptcy on them. Total XXXX, time for someone to protect the creditors from lenders. This is almost the same as predatory home loan lenders did years ago. My credit score should be around XXXX Who let 's these lenders do what they do to creditors. I will be come full force on this issues. I will seek local and national legislation to fix the system and credit bureau. If I do not pay my bill fine, but everyone I owe gets PAID. 
Time that someone looks out for creditors or it will end up being another class action lawsuit against the banks. 
I have a buddy that filed bankruptcy 2 months ago for the 2nd time and has a credit score higher than mine. I should file, they would get nothing. I am a proud Veteran that has always paid my Bill 's and debt. Tired of large corporate banks taking advantage of the little people.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I sent a letter off on XX/XX/XXXX and XXXX, 2022 here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy.

Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-06-30
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. (GA)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Transunion credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.
Consumer complaint received 2022-11-29
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)

I contacted Experian in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Experian has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Experian on my consumer report.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Please see attached checks submitted to XXXX XXXX bank in my account. XXXX XXXX did not submit checks to me. I have 8 reps from Huntington bank and 4 from XXXX XXXX on recording confirming these check raise red flags due to numeours things wrong with the checks account numbers, routing numbers, the branch number being bogus, the handwritting on the checks. All the information provided to me was the check looked as if it cleared but no funds were deleted from XXXX account. A branch manager has confirmed the watermark is not that of Huntington bank and I can provided audio. XXXX XXXX has stated that they believe someone is impersonating me and cashing these checks. It is my belief that XXXX has had help at a local branch level of XXXX XXXX and that these checks were made to appear that the checks were deposited into my account and withdrwrawn but can not produce withdrawl slip for transactions. I was out of town duirng transcations. My statements that are in PDF form reflect a differnt account for the transaction from before I went into the XXXX XXXX branch on my own and then differnt after a XXXX, Ga police officer went in with me. There are 4 differnt snapshots of the account and all are differnt from time to time. There is fraud comitted here!
Consumer complaint received 2020-11-20
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. (MS)

On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!
Consumer complaint received 2020-06-30
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: SYNCHRONY FINANCIAL (CA)

I was the second signer on a Care Credit Card through Synchrony Bank. account # XXXX .Account Balance was {$830.00}. I did make all the charges on it my Ex -significant other made most of the purchases. He told me he paid it off and I have a screen shot of the pay off from XXXX Credit report ( see attached ) I called Care Credit and they refuse to help me and transferred me to a Global Call center where they refuse to send me a copy of the Care Credit Statements. I tried to log in to the Care Credit account and it says the account was closed. Then I received a letter with Synchrony Bank & Care Credit on it that said my closed account was sold to XXXX XXXX XXXX XXXX ( see attached ). Then XXXX XXXX started harassing my mother & I with collection calls. I called XXXX and a very verbally abusive female yelled at me and said I owed the {$830.00} and she would make me a pay off deal to subtract {$170.00} dollars. 
She stated Care Credit sold the debt to their company. I told her about my XXXX  credit payoff and she said I was " wrong '' and XXXX will sue me for the {$830.00}. 

I believe Care Credit and XXXX  are in violation of the Fair Credit Act and Harassment of creditors and refusal to send my last Care Credit statements. 
Please help me resolve and prove the pay-off on XXXX report.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION (MN)

On XXXX, I deposited a check for {$92000.00} to my XXXX XXXX XXXX account via a XXXX XXXX XXXX  ATM. 

On various calls XX/XX/XXXX - XXXX, the bank has told me : - conflicting reasons for the check being rejected - that the check was being returned to the issuing bank, not to me - that I would need to ask the check writer to talk to the bank to figure out why the check bounced. 

My account has had various fees and two checks marked as bounced which created a headache for me. On Friday the account was marked as having a very negative amount of funds available ( -180k or  so ). 

On XXXX I was charged a {$5.00} chargeback item fee. 
On XXXX I was charged two uncollected funds fees of {$10.00} each. These have since been refunded at my phone request. 

I reached out by phone to XXXX who is responsible for this check and : - The check was valid - The account had a balance large enough to cover the check - Her account with the bank has no record of that check attempting to be cashed
Consumer complaint received 2020-06-30
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. (MN)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2020 XXXX XXXX Hospital XXXX  send me to collections with CMRE for the balance of XXXX $ due to my daughter 's ER visit earlier this year. 

Totally to my surprise because my daughter was and is insured by the time she went to the ER. 

I've called them to asked numerous times why was I being charged but they keep sending me to different departments to the point that I had to call CMRE myself and let them know that this is a mistake. 

The answer was to wait 45 days before they can remove or resolve this issue. 

That was almost two months ago.

It's extremely unfair and is hurting my credit score tremendously, especially now. 

Thank you for your help in advance. 
Best regards XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA made XXXX+ worth of high interest withdrawals from my credit card account without my authorization or consent. 

The charges were made due to my car loan being incorrectly linked to my defunct savings account. I did not authorize the advances nor would they have been necessary if my loan had been correctly set up to draw from checking. 

The advances came with high interest and convenience fees. I disputed the original charges on XX/XX/XXXX and had them removed only for them to be withdrawn again with additional fees on XX/XX/XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

Thia fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are 2 late payments or missed payments on my report. On the Capital One Bank USA. This was due to a miscalculation on my part when paying my bills PLUS I'm also having Financial difficulties due to COVID-19.