davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I have tried to use my FCRA rights with all three credit bureaus ( Experian, XXXX and XXXX ) by requesting the exact same, sent at the same time. Issue was, nothing was done. Monitoring this platform, ensuring we just do this right and be done. 

My name is XXXX XXXX XXXX, I have requested all the credit bureaus to make multiple changes between CFPB, EXPERIAN, XXXX and anyone else 's that would listen I want AGAIN after I sent letters two months ago no response three credit bureaus. 

Please, all I want is my credit and financial FICA/FICO 's rev-elevated, ensure all three bureaue 's have the same personnal information as I expressed to each of them, one name : 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 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 2022-11-23
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc (TX)

In XXXX 2022, I rented two different AirBnBs. I tried to get my money back from both from AirBnB, I was denied. I filed two different chargebacks from my bank, Chime, and both chargebacks were denied. The paperwork Chime sent me claimed, " No error occured and the customer didn't follow the refund policy through AirBnB. '' However, I filed the claim through Chime on the grounds of " Bad experience. '' At one AirBnB, I got a bedbug infestation which was severe, and months later I'm still suffering. The host harrassed me and was very horrible. This was a bad experience and I got no compensation for my ruined clothes, or medication costs, or severe scarring on my arms and legs due to the bites. I submitted proof of the incredible horrible bites which also proved I was staying at that AirBnB, to Chime. I submitted plenty of evidence to Chime and still got denied with no chance to appeal. The second AirBnB, I was being screamed at by the male host ( I'm a single woman travelling alone ) and it was a serious safety issue which I have recorded on my phone. AirBnB made me stay another night there and refused to help me. I also requested my money back for this stay, as it was a bad experience. I submitted a separate email with the videos to Chime showing the harrassment of the man screaming and cursing at me, and Chime didn't even acknowledge them or me. They were planning to deny my claim the entire time. I want my full claim approved for both stays. I have been a good customer of Chime for many years now, depositing XXXX XXXX XXXX XXXX XXXX, and only ever requested one chargeback for under {$200.00}. I was literally a 3 day drive away from my hometown. I had no way to get back home until 2 weeks later as the first AirBnB made me rent another AirBnB which I had to pay in full. Then on the second stay, AirBnB told me to rent ANOTHER AirBnB instead of assisting me, so I definitely want my full amount back.
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (ID)

Revco the collection agency claims I owe an amount of XXXX I tried to explain I have medicare and medicaid insurance as well as not responsible for any copays. I have spoken with the original creditor as well, and get nowhere. 
I have been with the same medical provider for 5 years now, and have had the same type of insurance the same time. I have never rec eived a bill, and other than this disputed bill, I have never received a bill. 
I received a response to my original response still claiming I owe the debt. 
So, now I am filing a complaint against the collection agency. 

My name XXXX XXXX XXXX XX/XX/1966 XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear, Transunion there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : 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 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 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 XXXX XXXX XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX XXXX breach, I look foward to your response, Thank You.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXXXXXX XXXX Credit card opened in XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

This Debt has been gained through Identity theft 18 USC1028A ( AGGRAVATED IDENTITY THEIFT ) Also In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-12
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. (TX)

since XX/XX/2022 I have been disputing a medical account XXXX XXXX XXXX with Experian. I have also sent XXXX XXXX XXXX XXXX a debt validation request to there headquarters address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on the same day XX/XX/2022 tracking number XXXX and XXXX XXXX XXXX received my request XX/XX/XXXX XXXX it is now XX/XX/2022 and I have yet to receive any validation in regards to my validation request from medical data systems. since my initial dispute experian has been updating and verifying this account with the company even tho I have not received any information from the company. I put experian on notice that I had never signed a XXXX release form with the alleged creditor and that hipaa laws help protect my private medical information from being used without my consent. such notice is a warning to experian that not only is the company in XXXX and FDCPA violation but experian is also in FCRA violation by continuing to report the alleged item without any validation proof. I have sent experian XXXX letters in regards to this account and they refuse to delete the inaccurate item from my file. I do not believe experian is practicing proper FCRA compliance procedures and that they are willfully continuing to report a item on my consumer file with knowledge that this item should not be reporting at all for violating my right to privacy. there are blatant inaccuracies with all consumer reporting agencies. attached are all my letters sent to experian and all my results that were provided to me as well as proof medical data systems is not abiding by the FDCPA. in addition, I have also attached proof of why I believe experian is not following reasonable and thorough proper investigative procedures. XXXX XXXX XXXX has previously submitted on of my disputes XX/XX/2022, and had completed and updated there investigation XX/XX/2022, please help me understand how experian can complete a entire investigation in 2 days with the debt collector but I cant get a response from the company for the life of me even when I have proof the company received my validation request.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I purchased an airline ticket from XXXX to XXXX on XXXX on XX/XX/year> on my US Bank Visa card, on XX/XX/year> I was charged a foreign transaction fee of {$100.00}. 
I contacted US Bank and was told the transaction fee was accurate. On XXXX website it says " No foreign transaction fees, see prices and pay in your local currency, including US dollars, XXXX dollars, XXXX  and XXXX XXXX This means no foreign transaction fees when you pay with your credit or debit card ''
Consumer complaint received 2022-12-12
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I noticed several violations on my consumer credit transaction, demand that this matter is investigated immediately XXXX XXXX XXXX I brought a XXXX XXXXXXXX XXXX XXXX ( XXXX ) vehicle from XXXX of XXXX and XXXX was required to put down a down payment and now its being finance with Pen Fed Credit Union as XXXX XXXX XXXX XXXX violated # XXXX Federal Law on a consumer credit transaction no cash is supposed to be exchanged according to, Federal Law 15 U.S.C 1605 the Finance Charge is the sum of all Charges, according to ( truth and lending act ), defines except as otherwise provided in this section the amount of the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges payable directly or indirectly by the person to whom the credit is extended and impose directly or and directly creditor as an incident to the extension of credit. The finance charge does not include fees in amounts imposed by third party closing agencies including, settlement agencies, attorneys, in escrow and title companies, if the creditor does not require the impose of charges or the service provided and does not retain the charges examples of charges. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable. interests, time price differential, and any amount payable under a discount, or other systems or additional charges. Service or carrying charges. Loan fees, Finder fees, or similar charge. 15 U.S.C 1679 82 to protect the public from unfair and deceptive advertisement and business practices by the credit repair organization. 15U.S.C 1662 ( b ) mixing cash with consumer credit transaction. 16 C.F.R 433.1 ( d ) go to the money loan companies that in cash advance for using a social or credit card.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with Citi Bank, NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently under my name on XX/XX/2020 on XX/XX/2020 a veterans check was deposited into this account fraudulently. Upon further review on my behalf the writing on this check isn't my handwriting and has been confirmed by a handwriting expert. Also there were several other inquiries to Citi Bank that were made XX/XX/2020, XX/XX/2020, XX/XX/2020. I am beyond upset that Citi Bank opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an Citi Checking account, and I don't understand why or how this happened. Citi Bank refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXXXXXX via XXXX mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXXXXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes Citibank so different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, XXXX  as my correct address.
Consumer complaint received 2024-11-05
Product: Credit reporting 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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit 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: Marlette Funding, LLC (MO)

I was charged {$850.00} for a car rental. The agreed upon amount was {$570.00}. I received no information from XXXXXXXX XXXX XXXX as to why they had charged me almost {$300.00} more. I filled up the gas and returned the car appropriately. Thankfully I could go to my credit card company and dispute the charge! OH -wait - I used my Best Egg card. 

I have filed a dispute 2 times. XX/XX/XXXX was the second time. In a letter they claim to have reached out to me on multiple occasions afterwards requesting more information. There were no calls or voicemails and no letters or emails sent. The one letter I did receive stated that the case had been closed because I did not respond. I called again and had the case reopened. I did receive a phone call on another case and also a letter. I faxed over the requested documentation for both cases on XXXX XXXX I received a letter from Best Egg stating that my case has been closed again. I do not know what to do about this company ignoring my repeated requests. I sent an email requesting to speak with a manager and that has been equally ignored.
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MI)

An individual impersonating an individual on a dating app got access to my virtual wallet ID and authorized the wire transfer of more than {$17000.00} dollars to an online virtual wallet that was cloaked and portrayed to be a DeFi wallet but was not. Coinbase has said they can not do anything about it. I would think any account that is reported to have done this should be able to be frozen at the very least. This guy tried to extract {$1000.00} from my coinbase after I wired the funds to my bank and Coinbase responded by telling me I owed the money back!!! I know banks have the ability to recall funds and this has to be an oversight on their part.
Consumer complaint received 2022-12-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Siggi LLC (NC)

I have been a customer of Omni financial beginning XX/XX/2019. Since this time I have taken out 2 loans with their company and have made all payments on time. I am XXXX XXXX military and recently applied twice to have XXXX XXXX civil relief act ( SCRA ) benefits applied to past and present accounts in which my interest rates would be capped at 6 %. I provided all necessary documentation in my request including the state references that extend benefits to service members whose home of records fall within the key provision states. Certain states extend XXXX benefits to loans that were acquired during XXXX XXXX service, Ohio being a key provision state. I provided all necessary documentation with my request to Omni Financial specifically stating my request and was met denial from the XXXX compliance and risk XXXX, XXXX XXXX each time. My requests were very detailed in the explanation of the extended XXXX benefits provided by the key provision states and each time XXXX XXXX XXXX deliberately ignored any acknowledgement of those benefits. I am hoping to receive some assistance with my complaint regarding this matter. Thank you and have a great day.
Consumer complaint received 2022-12-10
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)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00}
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I sent a letter asking Experian XXXX and XXXX to investigate my accounts according to 15 usc 1681i Experian XXXX Experian it have been more then 30 days to investigate and send me results and they also didnt record the current status of the disputed information which is another violation