davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a negative account reporting on my XXXX credit report, I have never had a kohl 's department store card under my social security number, and it's reporting a credit limit of {$300.00} and a balance owed of {$600.00}, I have called them to inform them that under my social security number there has never been a kohl 's department store card opened and I would like the account to be removed from my credit report but they have not done it I would like to take action to get this debt verified and removed asap, the account shows opened XXXX XXXX and closed XXXX XXXX, can this be verified and removed asap.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and collaborate with the credit reporting agencies and the involved creditors to address the fraudulent collection accounts on my credit report. Furthermore, I seek your assistance in expediting the removal of these unauthorized entries that are negatively impacting my credit profile.
Consumer complaint received 2023-11-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Upon receipt of a Bank of America email ( a copy uploaded ) advising that a bill was due on XX/XX/2023 in the amount of {$940.00}, I immediately contacted Bank of America disputing the charges since 1 ) I do not live near the area where the charges were made and have never been to either establishment ; 2 ) the card has not been used for several years, which Bank of America confirmed and 3 ) the card has not left my possession and are kept in a file box in a desk drawer in my home office. 
As a result of that conversation, the card with the fraud was blocked and new cards were issued. 
Following is a copy of an email received confirming my dispute and providing a claim number : Bank of America Activity Alert You Have a New Message about Your Claim XXXX XXXX, We're letting you know that you have a new message about your claim in your Online Banking mailbox. 
Please go to the Message Center in Online Banking to read your message. 
Here are the details of your claim : Claim date : XX/XX/2023 Claim number : XXXX If you haven't done so already, you can go paperless now. It's a safe and secure way to help stay organized. 
We're here to help. If you have questions, contact us online or call the number on the back of your credit or debit card. 

XX/XX/2023 date of letter from Bank of America temporarily crediting my account for {$940.00} while the claim was being disputed. ( copy of letter uploaded ). 

XX/XX/2023 emailed received ( copy uploaded ) advising a payment of {$420.00} was due with a statement that is was being disputed as fraud. 

XX/XX/2023 I received a letter that the claim was rejected since no error was found. ( letter uploaded ). I called Bank of America again on XX/XX/2023, the case was reopened. I again stated the reasons ( aforementioned # 1-3 ) and requested a copy of the card and signature of the purchaser. Neither have been received to date. 
Bank of America advised that I continue to pay the minimum due or my credit score ( in the XXXX XXXX ) would be adversely affected. I also asked that Bank of America check my payment credit and payment history on all my accounts. 

At this time, I am being held liable for {$430.00} which I did not charge and have not used the credit card in question for several years.
Consumer complaint received 2023-08-15
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (CO)

Company closed account, will not give me the XXXX $ in the account, American Express XXXX XXXX XXXX, I was told to initiate a recall with the original funding source, this does not exist, spoke with XXXX of XXXX for XXXX XXXX that was original funding source, recall funds does not exist, never has, and never will, American Express is holding onto my money.
Consumer complaint received 2023-08-15
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. (CT)

I sent a letter on to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any ITEMS or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: RH Portfolio I, LLC (OH)

I revoked my ach payments authorization and told them not to take any further payments from my account. This was in XX/XX/XXXX. They continue to take payments from my account. The payments I catch I have called my bank and disputed. They last few times they r drawing checks from my account. My bank told me they couldn't do a dispute on them. I just had another drawn yesterday ( XX/XX/XXXX ). I have rries ro keep a small balance in my bank account so sometimes they are returned, but other times they r note. U have asked them several times to not take further payments, but they continue.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I am a user of Cash App and I collect payments and deposits from clients. I establish with the client in question that a nonrefundable deposit was necessary to secure an appointment date. The client was certain she wanted the service and even wanted to pay the full amount. Later on she decided to pay just the deposit. She paid that nonrefundable deposit later on decided to cancel the appointment. She stated clearly that I can keep the deposit for the inconvenience which was my policy anyway. Over a month later, I received an email from Cash App saying that the client disputed the charge with her card company and the amount would be refunded from my account. I got no notification from Cash App that this dispute was even happening. I had no chance to defend myself with the copies of the text messages that she sent and the agreements between us. When I called Cash App customer service she basically told me theres nothing she can do and to have a nice day. The proceeded to hang up on me. It was very unprofessional and I will never use Cash App again for anything business related.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
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. (OH)

After pulling a copy of my credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if : ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of firm offer of credit or insurance. 

( C ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. 

Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX  XX/XX/2023- I applied for a business credit card on XX/XX/ but did not apply for anything from XXXX on XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (NC)

I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX XXXX XXXX You stop report my credit to experian since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to experian a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-17
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)

Both XXXX and Experian are reporting an account on my credit report that is in violation. The account is with XXXX XXXX. I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With XXXX is was XX/XX/23 last month and today its XX/XX/23. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I returned an item and the store refunded the money to my debit card and PNC Bank put a hold on the funds and refused to release them to me. 

They have repeatedly held my deposits, including cash deposits for up to two weeks. And, when I said that I need the funds earlier, they accused me trying to commit fraud!! 

When I tried to set up direct deposit, they accused me of trying to launder money!! 

This company is completely insane and unethical. 

They charge ridiculous fees that are actually illegal. They have changed the terms of the account that I have, without my knowledge or consent-so that they could charge me more fees. This is the most unethical bank that I have ever worked with.
Consumer complaint received 2023-08-15
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made complaints before that the information on my consumer report is incorrect my name is XXXX XXXX XXXX aint no XXXX  I remmoved addresses that i no longer reside at and some how they still on my report it should only be 3 address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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. (MN)

How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I received a letter indicating that an error occurred when my loan was transferred and that I should have been paying at a lower interest rate, however, I had already paid off the loan. As such a refund is due. I called and they said it was applied to my other outstanding loan but could not tell me any more information regarding the refund and the amount that was applied to my other loan. Generic information is insufficient. The customer service rep was rude and talked over me when I keep asking for specifics.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.