davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
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)

The accounts are not belong to me.

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-09-26
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: CITIBANK, N.A. (FL)

Back in XXXX of 2022 I was at dinner with a client and my card was not working citi called me and asked me if I had made purchases on XXXX or XXXX. 

I have an XXXX business and I often use XXXX so I told them it was me and to please approve the purchases as I was at dinner with a potential client and investor trying to pay my bill and was embarrassed that my card kept declining. 

To say I suffered emotional duress would be an understatement. In the heat of the moment I was just trying to pay my bill and I feel citi used this against me later down the road. 

At the time it was only a couple of XXXX dollars and that did seem reasonable to me as I often use XXXX for my business and personal needs and I have gone to XXXX to purchase things in the past. 

What I did not know at the time until I was trying to do my taxes with my accountant is that someone had stolen my card number and had made {$18000.00} worth of purchases at XXXX. Which was definitely not me. 

These fraudulent charges were not done using my XXXX account. For over 15 years I had XXXX credit and I have never overspent in the past. 

This past year my credit has suffered and I am struggling to make payments for items I never purchased. I am drawing in interest from these fraudulent charges and Citi is not helping me at all Over the past year I have made several fraud disputes with Citi but they refuse to work with me. 

They keep telling me to contact XXXX but since these fraudulent charges were never made using my XXXX account because it was not me they have not been able to help me either.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Thunderbird Collection Specialists, Inc. (AZ)

Apparently, I was to appear in court on XX/XX/XXXX ... I never received any type of notice in the mail, nor was I ever contacted by the original complex about a court date. The paperwork I received in the mail is dated ( by stamp ) XX/XX/XXXX, however it is signed and sealed bybthe justice of the peace on XX/XX/XXXX. 

I have NEVER received any type of notice EVER, until the day I got a letter from my employer explaining theybwere going to garnish my wages, for an unknown amount. This amount totalled around {$1300.00} which when paid in full, totalled a little over {$1400.00}. I recieved a letter from my employer after a few weeks saying the debt was repaid. 

Now, several weeks later, my place of employment is receiving phone calls, and saying they're aaking about me, and I recieved a letter in the mail today explaining how my last payment satisfied the debt, however there is still a balance of {$2300.00} from the original complex, prefixed by the statement : " As you know, there is still a balance due ... '' I do not know. Ive very scarcely neen contacted about this matter, and all of it as of late, in XX/XX/XXXX, about this debt from XX/XX/XXXX, and I believe a great deal of that is due to the incorrect spelling of my name on EVERY document ever received by them. 


Im confused as to what exactly is/was owed, what has been paid, and what action if any, I can take. I have never recieved any calls from anyone about this matter, only letters as of late. It also appears the second amount is including damages, of which there were none, as well as a rent charge for the month of XX/XX/XXXX, whereas a notice to vacate was enacted on the XXXX ... Lastly, I would also like to know the status of my co-signer, and what his role in this is, as he signed with me, declaring financial responsibility overall.
Consumer complaint received 2024-09-11
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)

on XX/XX/year> i notified the legal department of generations federal credit union opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I can not use my credit card or pay the balance due on my card because my account is restricted without reason. I contacted card support several times after verifying my identity with them, however, I could not get a reason why my account was restricted. I have spend several thousand dollars on this card over the past 5 months I have had it, and have never missed a full payment. The most troubling part is that I am restricted from paying off the remaining balance on the card, and am at risk of accruing interest.
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

I reviewed my credit report and found a paid collection from Receivable Management Systems company in the amount of {$350.00}. According to my credit report, they were attempting to collect for XXXX XXXX. I do not ever recall going to XXXX XXXX for care.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

Hello! I live in Maryland and bought a used car at a XXXX Dealership in Ohio. Wells Fargo provided the loan for my purchase but now they say that it will take them another 4+ weeks to send the title to Maryland so I can register the car, even though they have the title on hand. Unfortunately, my temporary plates expire in less than 4 weeks, and I first raised this to Wells Fargo several weeks ago, so this timeline will not work for me. Wells Fargo is offering no solutions to this problem so I am submitting a complaint. I have asked several times if they can expedite this process and was told that there is no way to expedite. I am not sure why this is should take 4 weeks to send a title when they already have the title on hand - they said I could not even submit a request the state-to-state transfer until they had the title on hand, so I already had to wait a few weeks for them to receive the title only to find out about a new 4 week delay.
Consumer complaint received 2024-10-18
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. (FL)

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Upgrade, Inc. (CA)

In XXXX I learned I was a victim of identity theft and fraud and personal loans were taken out in my name. 

I contacted Upgrade and they informed me a loan I did not take out of {$6000.00} was taken out in my name on XX/XX/XXXX. I informed them the email and phone number is not mine. 

XXXX : As instructed by the company I contacted their fraud team informing them I am a victim of identity theft and fraud, and I did not take out this loan and they responded. 

XX/XX/XXXX : I informed am currently working with the XXXX XXXX XXXX XXXX department on this matter and will have a police report shortly and let me know a bank account in question was closed due to fraud. 

XX/XX/XXXX : They emailed stating I have one day to produce documents. I emailed stating I will need more than one day. They continue to ask for my ID. 

XX/XX/XXXX : I asked them to provide me with the government issued ID that was used to take out this fraudulent loan and any documents associated with the fraudulent loan. 

XX/XX/XXXX : They emailed back stating, Please note there were no documents submitted on the application. 

XX/XX/XXXX : A person from Upgrade called me to do a 3 way call with XXXX XXXX bank and I explained the accounts at that bank were closed due to fraud. 

XXXX : They emailed back stating they reviewed my claim but were unable to substantiate my claim of identity theft. 

XXXX : I emailed them continuing to state I remain a victim of identity theft and fraud, I did not take this loan out and included a copy of my ID and the police repot from XXXX XXXX department Report # : XXXX. I directed them to contact the XXXX department with further questions. 

XX/XX/XXXX : I emailed them a Federal ID Theft Affidavit with the XXXX XXXX Report # again stating I did not take out this loan and it is fraudulent. 

In between emails I made phone calls inquiring about updates to status, continuing to let them know I did not take out this loan. 

In XXXX XXXX and XXXX, XXXX all appropriately removed this loan from my credit report with the supplemental documentation provided police report, Federal ID theft affidavit, and my ID. 

After the fraudulent loan was correctly removed from my credit report, XXXX continues to harass me sending me letters I owe them a debt and then wrongfully contacted the credit bureaus stating this loan was valid after being provide all necessary documentation, written communication and phone calls stating this loan is fraudulent. 

I have asked them to stop harassing me and they continue to do so.
Consumer complaint received 2019-10-14
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. (IN)

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine
Consumer complaint received 2019-08-30
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: SYNCHRONY FINANCIAL (GA)

I purchased several items on XXXX and used Paypal to pay for the items. The items were shipped to an old address by default. I contacted XXXX and Paypal and both indicated the items were delivered to an old address. I went to the old address and the individual living at that address communicated that she did not have the items. I checked the leasing office and they also communicated that they do not have the items. The post office has no record of the items being returned. It appears that the items were stolen. 

I contacted Paypal and explained that all the items that I purchased ( at least 10 ) thru Paypal were shipped to my new address which is approximately 10 months now. Paypal refuses to credit my account and states that I received the items. Their customer service department is located in another country, and there is no concept of how to resolve an issue. They read what's on paper, and has no idea as to how to resolve an issue. 

Paypal has behaved in a manner that is fraudulent. They are charging me for items that I do not have/receive.
Consumer complaint received 2019-11-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

I have been working with a fiancial advisor to clean my credit I sent out a letter to receive validation of a debt on XX/XX/19 to Caine Weiner XXXX XXXX XXXX XXXX XXXX  CA XXXX via certified mail. i know that they received it. Over 30 days passed by and I never heard backf rom them at that point i sent letters to all 3 bureaus to notify that by law they never validated this credit that I owed. And I needed this removed of my file. I sent those letters out XX/XX/19 and have only received a response back from transunion to which I was told they will not remove the debt, I still have yet to hear back from the other two. By law a creditor MUST validate my debt if i ask, they have 30 days to do this, they never did. And BY LAW the  agencies should remove this debt. 

I contacted them after on XX/XX/19 to then see if i atleast can make a deal to pay it off at a lower cost even though i feel I should not owe this, They denied me of that and told me no the amount of the debt was to small to do a payoff. I tried all avenues to recitfy this and I would like it removed.
Consumer complaint received 2019-11-20
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: Avantus, LLC (MA)

These are the Inquiries that I don't have permission and knowledge of. 

XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  AVANTUS - XX/XX/XXXX XXXX  AVANTUS LLC Mortgage Reporters XX/XX/XXXX XXXX AVANTUS , LLC Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  XXXX   XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX NA XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.
Consumer complaint received 2023-04-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (FL)

When I was taking out this loan at XXXX XXXX  XXXX my financial aid advisor at XXXX XXXX, I was told that I will not pay any loan until when I completed the program and 6 months after completion. I began to see a notification from XXXX XXXX XXXX to pay XXXX monthly, between XX/XX/XXXX, I have made multiple attempts to pay the XXXX and this payment was not accepted there was enough money on the card. I used a different card to make pay and multiple attempts no money was taken, I called the loan company and advise on the situation. I had the XXXX XXXX, I wasn't able to go to a store, and my family after the other was affected. The agent XXXX XXXX XXXX attempted to take money from the card which presented the said issues. I had received a new card which I called the XXXX XXXX XXXX company to take the payment, the agent did an auto payment for me and assured me that the payment went through but all that time I realized that for those months no funs was taken out my account. By the time I was notified by the financial aid advisor is was late for me my account was in collections agency ( XXXX ), which never sent me a notice or a phone call about this account. I had not received any calls or notice of this collection. I was told later that I was 5 months behind XXXX of XXXX, I reached out to the collection agency only to find out that I owed XXXX. Now I am facing financial hardship and unable to make that kind of payment, which affect me to complete my degree. It is a very distressful to know that I tried to pay that fee and It was taken out my account now of 5 months missed payment It increased so fast to XXXX, which I'm so stress and confuse.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive tried to get my credit report from both TransUnion and XXXX to no avail. Im only able to retrieve my credit report from XXXX. This issue has caused me a great deal of stress and I would like for it to be fixed as soon as possible.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

According to a previous CFPB complaint - XXXX, company promised that the promotional account opening bonus of XXXX $ + XXXX $ will be credited to me by XX/XX/XXXX. However, they didn't do it. When i raised a service Citibank Service Request # XXXX, they denied my request again.