davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted request to XXXX regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau . Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report.

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
3. My current address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2022-08-06
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: Chime Financial Inc (FL)

I load from my XXXX XXXX or XXXX XXXX because my card is routed to my phone and XXXX XXXX and XXXX XXXX accout As I've been telling chime supervisor manager and everyone else I did not have possession my card I didn't need possession of my card possession of my card I never need physical assets of my card I never need my card in my hand and a pen was not used it was an online transaction that did not lead a pin code so by me having my pen has nothing to do with it when there was no use for the XXXX to be even used so therefore I did not know that my card was missing until I received a text message stating that my car was declined for {$98.00} when I did not use the card for XXXX and was not in the possession of the card for the use of it for XXXX something dollars at XXXX that what made me look and see if my car was in my wallet and therefore my card was not in my wallet so I did not never have possession of the card and the pen was not needed if the pen was needed they would have got what they wanted from XXXX Also I I added the money on the card for my essentials throughout the week like my XXXX and other things that I used to transfer money to my sister I never used it lately for no XXXX if you look into the history of it you can tell that it was I misuse on someone else 's part I always load money on that card I always put money on that card and take card off for my XXXX for transportation to work and other uses so don't tell me that it was loaded for that particular purpose SO AS YOU CAN SEE needed my time card in my hand because it's already linked to my accounts that which are already on my phone apps so there is no way that I knew that my card was gone until I received a text message and called chime and look it's not the only card that's missing I always made my anything through XXXX XXXX or XXXX I never use my time card for big purchases that is not what I use that card for if so I will use my time credit card to build my credit And as you can see I only my big purchases through my wisely card and cash out because those are the only cars I really keep money on for other stuff my time card is for my XXXX mainly for my ride to work and this is my evidence This every thing I should have to fight so hard for my money when I gave all the poof they ask XXXX 


So someone used my card for online purchases of the amount of {$230.00} on XXXX XXXX on XX/XX/2022 I have called XXXX and they also agreed and flag the purchase as fraud I have sent chime invoice, police report, my GPS location, screen shots, and handwritten letters XXXX disputes and chime continue to denied my evidence of this unauthorized transaction
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX Citibank XXXX CITI simplicity card charge my card With something I didnt. I call them to fix this problem before this charge are paying to different companies because they were pending they didnt do nothing, they paid all. And know after a change for another new card they still charge on the new card on XX/XX/XXXX for XXXX this charge was made for t mobile, because they said that is recurring payment that payment is pending know I can not make a dispute because they said that that amount have to be paid first to start a dispute. The charges are : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$96.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( pending ). 
Please can you help me to solve this problem. Thanks
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XXXX I was receiving Unemployment benefits for the amount of {$2100.00} every two weeks. happened that for the weeks e ending on XX/XX/2020 & XX/XX/2020, I never received the Deposit regardless XXXX confirmed have sent to Bank of America. 
When I open a complaint XXXX XXXX XXXX XXXX ( Resolution Specialist ) from the regulatory Complaints from that Bank sent me a letter sent me a letter closing the complaint and off course backing ups her Bank, and also sent me my Bank Account Activity for such Debit Card BUT ONLY until XX/XX/XXXX!!! 
She never sent me the Debit card activity involving the weeks in complaint ( XX/XX/2020 & XX/XX/2020 ). I believe she sent that in purpose because they could NOT prove that I have received nor withdrawn such amount {$2100.00}. I replay to her email asking for the two weeks activity statement but she just ignored and never hear back from her. 
You closed the complaint ( XXXX XXXX XXXX ) as well giving for granted that whatever respond from that individual was accurate. 

Thank you!
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am adopted and my birth certificate is from XXXXXXXX XXXX XXXX . Social office will state from XXXX.
Consumer complaint received 2022-08-06
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: Credence Resource Management, LLC (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2022-08-06
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. (FL)

Equifax in conjunction with XXXX XXXX, XXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MO)

Wells fargo is delaying to send me my credit card agreement to check terms and conditions of this home projects card. 

I called wellsfargo 2 times over a month ago, and spoke customer service agents to whom i had requested for CREDIT CARD agreement for my wellsfargo home projects credit card ending in XXXX, so i can check terms and conditions, and they promised that i would receive it within XXXX to XXXX weeks, but its been a full month, and i have not received my credit card agreement. 
I am extremely disappointed at this XXXX customer service and almost purposeful delaying of sending customer their copy of credit card agreement. 
As to keep customers in the blind as much as possible about card agreement and terms and conditions. 

Very disappointing and deceptive pratice from Wellsfargo.
Consumer complaint received 2022-08-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



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

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 



15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 



15 U.S.C 1681 s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- account number- XXXX
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies XXXX and Experian. The inquiries are as follows : XXXX : XX/XX/2021 AN XXXX XXXX XXXX XXXX # XXXX AN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ND XXXX
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Consumer complaint received 2022-08-06
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. (PA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

RE : Complaint against Santander Bank on behalf of my deceased mothee, XXXX XXXX XXXX 's unclaimed property. 

I sent this email with attachments on XX/XX/XXXX, at XXXX XXXX to Santander Bank District Regional Manager, XXXX, XXXX, XXXX, MA Bank Manager, and XXXX XXXX, is the bank relationship customer service XXXX. with this information you can read in the email below as follows : Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, As you can see, I have attached the Voluntary Administration Statement for the Estate of XXXX XXXX XXXX, my mother, that died on XX/XX/XXXX, that clearly states I am the appointed Personal Representative Named in the Will and have the right to my mother 's property, official check, or money order number XXXX, that was issued to her on XX/XX/XXXX and has not been negotiated. I am requesting expedited resolution by Santander 's release of the hold and a new check made payable to the estate of XXXX XXXX XXXX. 

If I do not hear from you as soon as possible, I will contact the Massachusetts Consumer Finance Office for the way this has been poorly communicated with me and handled by your bank. It is incomprehensible to me that the District Regional Bank Manger, XXXX XXXX, that I emailed to put a critical case request in with her to expedite this matter so it does not have to go to Massachusetts unclaimed property on XX/XX/XXXX. 
Sincerely, XXXX XXXX XXXX, daughter/ executix, appointed in Last Will and Testament of XXXX XXXX XXXX XXXX estate.
Consumer complaint received 2022-08-09
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. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account XXXX : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Me and my husband are victims of predatory lending. We financed our XXXX XXXX XXXX back on XX/XX/XXXX through Credit Acceptance a month after our bankruptcy was discharged. Both the dealership XXXX XXXX XXXX and Credit Acceptance were aware of the bankruptcy because we told them plus it was on our credit reports. The price of the vehicle, the condition of the vehicle, Credit Acceptance expert knowledge of knowing statically we would not be able to pay the loan back and loan terms are grounds for predatory lending. The condition of the XXXX was in bad condition with work needed to the car within the first 3 months of buying the vehicle. The vehicle seems to have been in a wreck or flood damage prior to purchasing it. The cost of the loan totaled {$20000.00} for a XXXX XXXX that was in bad condition at the time of sell. Credit Acceptance also knew that my husband job status was per diem ( no guaranteed hours at his place of employment at the time of purchase and that I did not have a job at all other than being a Realtor which had no hours and stricly commission based and that my only transition ever was less than {$5000.00} that year. Our bankruptcy was discharged on XX/XX/XXXX a month before the purchase date. Which was strategically done because we went to the car dealership XXXX XXXX XXXX 2 weeks after the bankruptcy with both Credit Acceptance and XXXX XXXX XXXX knowing we had a bankruptcy 2 weeks prior and they gave us the car to drive home that day and asked us to come back 2 weeks later on XX/XX/XXXX without explaining why. Today we understand that we were victims of deceptive, abusive practices and suffer from predatory lending. Credit Acceptance provided an over priced loan for a car in bad condition to consumers they knew could not afford to pay them back. Predatory lending practices, broadly defined, are the fraudulent, deceptive, and unfair tactics used to dupe us into a car loan that we can't afford. Burdened with high car debt, we are straining just to keep up the monthly payments and Credit Acceptance is unwillingly to forgive debt even though they are experts in the lending industry and knew statistically that we would not be able to make off our car loan. This is unfair and deceptive marketing practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section XXXX ( a ) ( XXXX ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022 I received a call from my XXXX XXXX XXXX XXXX phone number claiming there was fraud on my account. I asked them to verify my identify, so she stated my name, social security number, and address. I felt safe to proceed talking to her because the information stated was correct. She verified my identify by sending a code to my phone which I repeated back to her. I did not know that this individual was a scammer and the code I repeated back to her gave her access to my XXXX XXXX account. She then had access to my apple XXXX. The scammer opened an Apple credit card with my identify that same day. 

On XX/XX/2022 I called XXXX XXXX XXXX XXXX to verify the call and they did not verify it. I determined I had been scammed and began to process of shutting down my bank accounts and credit cards and opening new ones. I almost placed a freeze on all 3 credit bureaus, changed my primary email address, signed out of all my apple devices and created a new apple XXXX and changed all my passwords. My XXXX XXXX XXXX XXXX debit card was charged {$1000.00} which they are currently disputing and has credited me this amount as of XX/XX/XXXX. 
I called Apple and reported the credit card fraudulently opened in my name of which they are investigating now. I believe the case number is : XXXX Apple Credit Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX which they asked me to send my complaints and reports to this branch to speed the process of shutting down the fraudulent credit card. They reported to me the individual had spent a {$1000.00} on the credit card and then they paid off that amount. The card currently had a {$5.00} balance on it when I talked to Apple.