davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

I applied for a Walmart 's credit card, on XX/XX/XXXX, according to the details in my credit report, and, yes I was approved but I never had received the credit card and the credit limit on the credit card was in the amount of {$600.00}. I had then contacted Walmart 's credit department at their corporate office in Texas when I was told by a representative that the card was sent out, I then told the rep. that I had never received the credit card, the rep. apologized and asked me if I would like them to resend the credit card and I replied, " yes '', but once again I never received credit card again. I contacted Walmart again and requested that the card be cancelled. The card was cancelled on XX/XX/XXXX, according to my recent credit report, but that doesn't seem accurate because in approximately 3 or 4 years ago, there was debit charge amount of {$400.00} affecting my credit score by Walmart because someone had or was using my Walmart credit card illegally and I'm sure that Walmart was in accessary to it, which is why I'm making this complaint against Walmart, regarding their fraudulent involvement in this matter. I had to make complaints against Walmart 's bad behaviour before in the past, so I know how disruptive they can be. Also, in my credit report regarding this Walmart credit card, it states that the credit card was paid out and then closed, but how could that be when I never used or received a Walmarts credit card, ever! It also states in my credit report that a Walmart charge account was opened and then closed in XX/XX/XXXX, and I don't know anything about that neither. Also, I recently contacted Walmart to try to get some important info regarding this mysterious, fraudulent item on my credit report, like the account number, but Walmart wouldn't cooperate like they should have, on XX/XX/XXXX. They also had tried to lie to me by telling me that there was only one account after they had already told me that there was 2. I know that Walmart knew that the credit card would be intercepted after they had sent that card out to me, they are involved in this fraud.
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PA)

1. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received an email notification that my Citi Double Cash Card had been compromised with suspected fraudulent activity. A purchase in the amount of {$300.00} was attempted on XX/XX/XXXX but was denied. The email prompted me to select if I recognized the charge listed ; I selected " No ''. That same day I received multiple telephone voicemails repeating the same message, notifying me of the attempted fraudulent charge and asking if I recognized it. On at least one occasion I confirmed via telephone that I had not made this charge. 

2. Friday, XX/XX/XXXX I received e-mail confirmation that my account had been closed due to a lost or stolen credit card and that I would receive a new card for my new account on Saturday, XX/XX/XXXX. I received both the XXXX   Shipment and Delivery notifications for said card via email, as well as text messages with identical messages. 

3. On Saturday XX/XX/XXXX I received a replacement XXXX Double Cash Card. The name and account on the card DID NOT BELONG TO ME, though I had an option to activate and use the new card as my own via telephone. I immediately spoke with Citi customer service representative that evening. I was told to discard of the 'replacement ' card and that a new one would be issued and delivered to me by Monday XX/XX/XXXX. 

4. On XX/XX/XXXX at XXXX XXXX I received an e-mail stating my 2nd replacement card would not be delivered to me until XX/XX/XXXX due to a service delivery. 

5. I did not receive my card XX/XX/XXXX. I spoke with a customer service representative this evening who stated my 2nd replacement card was shipped on XX/XX/XXXX ; however, I did not receive neither e-mail nor text message confirmations of even the shipment of this new card, unlike the time I received the wrong card.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-04
Product: Credit reporting 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 am reaching out for your assistance with the false account showing on my credit report. This has affected my reputation as a customer, and I need your help. I request that these accounts be removed as they are reported inaccurately and in a negative light.
Consumer complaint received 2024-11-04
Product: Credit reporting 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


INQUIRIES : TRANSUNION XXXX XXXX XX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Consumer complaint received 2018-02-13
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. (DC)

I have been working with Experian regarding a bankruptcy being reported on my credit report. I have requested how the information has been verified. This dispute was originally submitted in XX/XX/XXXX. I have spoken with multiple reps who have informed me that the information is verified via XXXX XXXX. I communicated with XXXX XXXX as recent as XX/XX/XXXX and they have confirmed they have not verified any information regarding a bankruptcy. I have also contacted the US Bankruptcy courts and they have explained they have not verified a bankruptcy under my name.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (TX)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

i have several accounts on my transunion report that are identity theft. 
XXXX XXXX acct # XXXX balance of {$7200.00} last reported XX/XX/XXXX XXXX XXXX acct # XXXX balance of {$380.00} last reported XX/XX/XXXX knight adjustment acct XXXX {$1200.00} XXXX XXXX acct no XXXX {$210.00} XXXX XXXX XXXX XXXX  university acctno XXXX {$400.00} transunion inquiries XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  equifax 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
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I was sued in XX/XX/2015 by Citibank , N.A . and Won the case with prejudice. ( see attached ). since then and currently i am still getting calls and mailings from a number of collection agencies over the past 3 yrs and have stressed out about it so much that I am considering filing a law suit which would cause me enormous expense and stress. Each agency that either called or send me mail demands I responded to and it still persists even though I gave each collection agency the facts of the court case. I am XXXX yrs old and legally XXXX on a tiny fixed income. I feel the emotional abuse is and has been chronic causing me fear to open my mailbox as well as answer my phone. I have attached copy of the law suit I Won by Citibank , N.A . collectors ( I only saved two of many more mailings I have received since this law suit was filed against me in 2015. ) I feel that Citibank , N.A . need to offer me some sort of financial compensation for my emotional suffering for 3 yrs and stop this harassment and Remove this " debt '' from my credit report.
Consumer complaint received 2018-02-13
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. (NV)

Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (AZ)

Submitting a complaint against Miller Stark and Klein associates, because I think they are a scam. Out of the blue, within the last couple of months, this company started calling me almost on a daily basis. When I answered the call the first time they said that I had banked with XXXX XXXX about 7 years ago ( which is true ) but that I supposedly owed them over {$500.00} in overdraft fees on an old bank card, not even a credit card. They said that if I didnt pay that they would sue me and garnish my wages. I called XXXX XXXX and they said that I owed them no money. Miller guys called me again and so I asked them, who did XXXX XXXX sell this supposed debt to then? ( because I had no recollection of it at all ) They said they couldnt give me that information. This supposed debt has also never shown up anywhere on my credit report. Is this is a scam? Someone should really nail these guys. Im absolutely not paying this.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-02-13
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: EQUIFAX, INC. (CA)

I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northeast Recovery Solutions, LLC (PA)

This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a text notification alert from XXXX XXXX  saying that someone reported bankruptcy on my Kohls Card I went on my Kohls Card app immediately and logged on only to find out I was XXXX from using the app. I was told by the supervisor XXXX from Kohls Card that my account was in fact charged off and closed due to a bankruptcy - I explained to the supervisor XXXX that this is a big mistake because I did not claim bankruptcy. We verified the account number to make sure and it was in fact my account number that was being reported incorrectly and closed. 
My account was falsely closed and falsely reported on all three credit bureaus. My mom and I have the same name and reside at the same address, however we both have different social security numbers and dates of birth, I dont even know how my credit card information was obtained for this to even happen. I have no linked credit cards with my mom. My card was falsely closed and falsely being reported and now my credit is showing a bankruptcy that is not mine. I owe money on the card and I cant even long onto the app to pay it because Im restricted and the account is closed bankrupt/closed/charge off. 

The supervisor XXXX told me she will put this into investigation but I need to write a complaint for the investigation department to explain my situation in more detail to help with the process of restoring my card and removing this information and to attach a copy of my drivers license. 

My card needs to be reinstated and this bankruptcy needs to be resolved because its not mine, Please assist as this is a HUGE mistake
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.