davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

The incident occurred on XX/XX/year> at approximately XXXX PM at the XXXX XXXX XXXX terminal in XXXX. On the way home from work, three individuals approached me on the subway - XXXX males, XXXX female. They asked me to donate to their high school basketball team, so I took my phone out to Zelle them a small donation. However, one of them grabbed my phone from my hand as I was making the transaction. I tried reaching out to get my phone back, but he kept avoiding me. By the time I had gotten my phone, the group got off the subway. I checked my bank account and the group had transferred {$2000.00} to his account. I never meant to Zelle {$2000.00} to this group, only a small donation. If I had known they would snatch my phone away from me, I never would have engaged with them. 

The next day, I contacted XXXX and filed an incident report. In addition, I contacted Zelle for the scam but they told me to contact my bank as there was nothing they could do. I contacted my bank ( XXXXXXXX XXXX ) and filed a report. I was notified today ( XX/XX/year> ) that my bank could not refund the money. Both Zelle and my bank are refusing to refund the money so I am filing this complaint.
Consumer complaint received 2024-01-17
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)

hello, since the new year i see this same account XXXX XXXX. this account has been taking off several year ago. i called them and they tell me to contact the bureau so im tiered of doing this every year with them. so i look up the law that would help me .15 U.S. Code 1681a
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant distress it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used
Consumer complaint received 2023-09-27
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-16
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX I recieved an alert I applied for Barclays Bank Delaware Credit card! This was not me and was fraud! I called credit card company to stop application from going thru and advised it was fraud! They claimed to sent a letter to all credit bureaus to have this inquiry removed!! I spoke to someone in presidents office twice and said it was done and it still hasnt been done. If this isnt rectified within a week Im calling an attorney!
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXX XX/XX/2XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, TransUnion appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records.. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXXFRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

on XX/XX/XXXX I was scammed through my University email from a person impersonating a professor offering me a research job for XXXX weekly. Copy of email next. 

Interdisciplinary Research Project Inbox Research Professor XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX ( 11 days ago ) to me Hello XXXX  XXXX, This is an invitation to work in an interdisciplinary research project collecting data online and earn {$300.00} weekly. This is an adaptable job that requires little to no prior experience. 

Provide the information below to indicate interest and you'll receive a follow up email detailing work schedule. 

Full Name : Cell # : Alternate email : Regards XXXX XXXX XXXX Professor of XXXX XXXX XXXX XXXX XXXX After research was done, they sent me check for XXXX. XXXX for my pay and XXXX to deposit withdraw and load on barcoded money cards through XXXX. This was for XXXX to process the data collected and generated reports for the data.I did not know this was a scam until my bank of XXXX contacted me saying my account was closed due to fraud. II did this 5 times totaled XXXX. My bank claims a zero liability for fraud on checking and debit card and atm transactions but are still holding my funds deposited XX/XX/XXXX from my VA XXXX and education benefits for school. The university sent out a campus and online campus wide email warning that scammers taking advantage of student body which happened two hours after me reporting to them. I need help with my bank PLEASE.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2024-01-12
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

1. Amex sends an email saying your card " will.be reinstated if you pay the balance. '' So i did.

2. The statement is misleading and dishonest because A. Your card will not necessarily be reinstated B. If a card is approved the credit limit will be different- again, this is not reinstatement 3. Company is overtly promising a benefit by email which in fact they do not at all provide. 

This is class action material. 
Amex has been fined for deceptive marketing in the past. 

NOWHERE in the unsolicited email does it counter the initial proposition. 

This is fraud and deceptive marketing.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-01-12
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. (TX)

i reviewed my consumer reports and noticed i had a late payment on an account that was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included in the screen shot in side this compliant in on the dates of XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand theses payments be updated to paid as agreed on time as they should due to the fact i was never late thanks! please see screen shots attached
Consumer complaint received 2022-11-28
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: CCS Financial Services, Inc. (NY)

There is a fraudulent account reporting on my credit that was opened by someone other than me. The account is CCS Collection/nationwide. I have requested that this collection be closed and that this account be removed from my credit report as its categorically not mine.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (TX)

I am formally requesting the removal of the following account from my credit report due to violations of the FCRA. The account in question is XXXX XXXX XXXX. The creditor was unable to verify the validity of this account, and Equifax failed to provide proper validation for it. XXXX and XXXX have since removed this account. Despite my submission of both an FTC report and my Equifax data breach claim number, this account has not been removed from my Equifax credit report. The attached inaccurate credit report and data breach claim ID serve as supporting evidence for my request.
Consumer complaint received 2024-01-12
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. (TX)

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 15 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (OH)

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on XXXX XXXX in the armed forces of the United States or a dependent of that person. 
( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 490 % The amount financed : {$400.00} 28 % on top of {$400.00} = {$510.00} 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 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.
Consumer complaint received 2023-09-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

in XX/XX/XXXX i was informed that his account number ending in XXXX, is being shown not paid in full, even though my {$760.00} payment was sent directly Synchrony via XXXX Overnight Mailed on XX/XX/XXXX. 
i was told by Synchrony Upon further review of my claim, that the claim and complaint were unfounded, and they say my payment was never received. 
I sent copy of the original check # XXXX ( from the bank showing paid out ), indicating that not only was the check received approximately a month after the fact on XX/XX/XXXX, but the amount was deposited into the WRONG account ( client name was handwritten on the check by them when they cashed it ) as indicated on the copy of the check, bank reported the check cleared on XX/XX/XXXX I requested that the funds be remitted to the correct account ending in XXXX ( my account ). Name of account that was credited was XXXX XXXX is not me therefore it is up to Synchrony to fix the issue to fix this issue. 
Last communication was XXXX XX/XX/XXXX through my lawyer demanding a response from Synchrony within 7 days or we would have no choice but to proceed further pending litigation and we have not heard back.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX, I paid off two accounts with Comenity. I paid {$300.00} to Sephora and {$250.00} to XXXX XXXX, leaving both with {$0.00} balances. Today XX/XX/XXXX, I received letters from XXXX XXXX XXXX saying I owe them {$240.00} for Sephora and {$230.00} for XXXX XXXX. When I asked how I owe them when the accounts were paid off, they told me it was for fees. They acknowledged they could see I made these payments.