davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
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. (FL)

I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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.
Consumer complaint received 2019-03-23
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 a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

I ordered an XXXX XXXX XXXX XXXX through XXXX, my phone service provider on Monday XX/XX/2022. On that same day, I took on a loan from their sole suggested lending partner, Affirm. There was consideration ( a down payment of {$230.00} ), my signature agreeing to the terms, their countersignature agreeing to lend. 

I waited for my phone to come the next day. It didn't. So I contacted XXXX  who said my order was incorrectly in " draft '' status waiting to " get in the door '' of full processing. Basically a glitch in their systems processing. In normal ERP best practices, this would have just been as simple as either A. providing the missing data necessary to process the order, or B. recreating the order with the same data, assigning that order to the loan documentation, sending that new order information over to Affirm for an amendment with the new order number and having me re-sign the document under the same terms but with the same approval. Unfortunately, this is not what happened. 

XXXX  cancelled my order and THEN PROCEEDED TO CANCEL MY LOAN WITH AFFIRM WITHOUT MY PERMISSION OR AUTHORIZATION. 

As a result, this has presented multiple adverse effects for me, which include : 1. I never gave ANYONE authorization to cancel my loan with affirm. This is illegal.

2. I have to re apply for the loan which dings my credit.

3. I am no longer qualifying for the same amount... it's lower now, probably because of my additional credit inquiry.

4. I do not have the product as promised.

5. This has taken up more than two days and hours of my time to discuss.
Consumer complaint received 2021-06-02
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. (MO)

XXXX XXXX and Transunion is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-04-27
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. (IL)

On XX/XX/XXXX, my payments to XXXX XXXX was on auto pay with a paper check from XXXX payments each month towards the credit card at XXXX XXXX account number XXXX XXXX XXXX XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact XXXX XXXX they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with XXXX XXXX bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately XXXX XXXX was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from Trans Union showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to Transunion XXXX 



I tried calling XXXX XXXX with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in XXXXand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the XXXX XXXX XXXX credit card account
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (MI)

I was contacted by XXXX XXXX XXXX in XX/XX/XXXX for an old credit card debt from XX/XX/XXXX. They called me as a courtesy call to take care of the debt before we went to court. I told XXXX of Assured that I was never served with a complaint and he assured me he had a court date and time, but couldn't provide me with that information when I asked. He told me I was being sued for interest from when I had the account to present, plus attorney fees, but we could work something out. I continued to ask for more info, but he couldn't provide it. In XX/XX/XXXX I received a phone call from their process server location service. They contacted my parents, brother and XXXX year old grandmother saying they had legal papers for me. I returned their call and asked them not to contact my family, which XXXX denied that they did. Again he threatened me with a lawsuit and said I could settle for {$300.00} if paid by XX/XX/XXXX. I agreed to {$50.00} per month with a {$300.00} settlement by XX/XX/XXXX. I never received anything in writing, nor did I sign anything from XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX and told him I had met our agreement, which he denied and said I had to make payments until XX/XX/XXXX and that he " would have fun with me in court '' and that " he wasn't done with me yet '' and " XXXX XXXX, XXXX you can't just stop making payments " and that he would " embarrass me for sure ''. 
Today, XX/XX/XXXX, I received another call from XXXX asking if I was planning on making more payments. I told him I was not making anymore payments as this debt was settled. He told me he would see me in court.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-27
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX  XXXX, XXXX I did not authorize these accounts or inquiries Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated before this account does not belong to me and I have reached out muitple times to the creditors and they have failed to validate these accounts I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you if not demand you delete these negatives items from my credit immediately I do not consent to these proceedings
Consumer complaint received 2019-03-22
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: M&T BANK CORPORATION (MD)

My Debit card was stolen on XX/XX/XXXX. The bank was notified about the charges and created a provisional credit for the unauthorized charges and later and reversed them on XX/XX/XXXX. The bank requested that I make a police report in person at XXXX XXXX Police on XX/XX/XXXX. The report was presented to a bank representative at XXXX XXXX XXXX XXXX XXXX XXXX. The entire correspondence package was sent to their Fraud Division with no communication or update. 
The M & T Bank has video of the unauthorized person using the debit card.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2019, I mailed a letter disputing a XXXX on my credit report. I would need the actual signed contract or it needs to be removed because it being reported inaccurately. 

I asked that each account be verified by the original creditor. 

They never respond to my letter.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/XXXX AND WAS OFFERED XXXX XXXX XXXX  MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XX/XX/XXXX-XX/XX/XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/XXXX. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON. New complaint based on the below response XX/XX/XXXX Your response below is not adequate as I did login to your mobile app and link my checking account the same day my husband did. I have subsequently deleted the app as you can not figure out what is going on with my account and I will not use it until you do, I have reloaded the app now. 

Company 's Response In your complaint, you cited that you have not received the  XXXX XXXX XXXX offered under a new account promotion, XXXX, after meeting the terms and conditions described in the offer. Ms. XXXX, our goal is to ensure that all of our clients are provided with the highest level of service and we regret you had cause for dissatisfaction under any circumstance. In my review, I found that the terms and conditions of the promotion have not been met. As indicated on the enclosed terms and conditions of the promotion, the second step of the promotion was to download the Citi Mobile App from your app store and log in to your new Eligible Checking account. Our records indicate that you did not log into the mobile app ; therefore, we respectfully deny your request to be credited for the XXXX XXXX XXXX. I have refunded the monthly services fees assessed to your account and it will reflect as a credit on your next account statement with todays date.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

on XX/XX/22 I noticed XXXX pending charges from a company or business named " XXXX  XXXX XXXX '', {$370.00} and {$450.00}... I immediately called Huntington Bank to report this fraudulent activity and have the pending charges stopped before they were completed, I was told by the bank customer service that the charges could not be stopped because they were debit card charges, and that someone must have gotten ahold of all the information from my debit card when I physically used it, the bank did however deactivate my debit card ... the last XXXX places the card was used were at XXXX  and XXXX... the charges appear to be from XXXX California, a company named XXXX XXXX  ( XXXX stands for XXXX XXXX XXXX ) ( XXXX XXXX  XXXX  ), it is a gift card service in the state of CA, it was created by the XXXX  XXXX XXXX , and it is used to make purchases at local participating businesses in the following CA cities/counties, 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... I found all this information by just simply doing a XXXX search ... let me be clear, I do not know who this company/business is, I did not authorize them to do any charges to my bank account, I did not give them my debit card information, I do not have any friends or family that live in California, and the service would not do me any good unless I were to physically visit one of the participating businesses in participating cities or counties located in CA, so why would I have authorized this service to make charges of any amount to my debit card? Huntington Bank failed to stop the unauthorized pending transactions after I reported them, the amounts put my bank account into an overdrawn amount, overdraft fees were charged to my account by the bank, and they have not bothered to investigate the situation at this point, as my bank account has still not been credited for the fraudulent charges that I reported to Huntington Bank more than 2 weeks ago ... it is clear that I would not benefit in any way by authorizing this XXXX  XXXX  service to make charges to my bank account using my debit card, and I did not do so ... and the fact that Huntington Bank has taken their time in handling this issue, which has left my account unusable is unacceptable in my opinion... I have no idea how my debit card information was stolen or accessed by the individual that used it, but I want this issue handled immediately, and I want credits issued to my account in the XXXX amounts that were fraudulently charged by the XXXX XXXX service on XX/XX/22
Consumer complaint received 2020-07-05
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: DISCOVER BANK (CT)

I filed a dispute in the early part of the month of XX/XX/XXXX for many fraudulent charges that took place for more than a year. The disputes amounted to over {$6000.00} in unauthorized purchases. The charges dated at least back to XXXX of XXXX maybe further, and continued until XXXX of XXXX. When I started the claim I spoke to a representative about the unauthorized charges that I noticed after some time had passed. I had my card paid automatically and never really looked at my electronic statements. I informed them that my wife had a similar discover card with them and that we had done low interest balance transfers from high interest cards to a discover card. I was not sure and I confused that I was the one who put the balance transfers on the card. Under that pretense and the fact that I didnt really look at my statements, I did not think anything of the higher payments. When they asked why I took so long to report the charges I explained these things to them. And when they asked how I finally noticed I told them that XXXX  XXXX had informed me of similar charges suspected of possible fraud just on a smaller scale. I filed a claim with XXXX  XXXX for the fraudulent charges as well and my charges were refunded. I told them upon checking my cards I saw these charges and noticed they were the same charges similar to the ones XXXX  XXXX informed me of. It was at that point that I realized that the balance transfers were mostly on my wifes discover card. They went over the charges with me and filed the claim. I was called by someone shortly after asking about the claim and asked the same questions about why I took so long to file the claim and why did I finally notice. I told them the same thing that I told the previous representative. I also mentioned that we had our direct neighbors move out in XXXX and at some point a few years prior my wallet was missing and they returned it to me. So I felt they could have obtained the numbers of my cards. In addition shortly after they moved out we were informed by our isp that they had been using our WiFi for years and that they somehow had the password. I was told that my account would be credited for the charges in question while they researched the claim. They totaled {$6800.00}. I was called a week later and asked the same questions again and again I answered the same way I had previously. I was called a month later or so and told that my claim had been denied mainly based on the fact that I waited too long to file the claim. I asked about appealing the decision and they gave me the run around and discouraged me from doing so and advised me to pay more attention to my statements. Attachments include Discover Statement that shows all disputed charges and total amount which was temporarily credited. Second upload is a screen shot of an email from XXXX XXXX assuring me that I am not liable for these charges as I did not make them.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I've attempted to have Experian Investigate inaccurate accounts being reported on my credit profile to which they've responded they could not begin the investigation due to improper documentation.