davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (AL)

My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of Virginia.I want to know why was it on my Report.Secondly they had the State of Texas Child Support for years when a XXXX crime was committed on a military base involving this alleged XXXXI got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXX Sheriffs to my address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely Yours XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Ive been in communications with this company about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my le. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the condentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My only name XXXX XXXXXXXX XXXXXXXX  My only address is XXXX XXXX XXXX XXXX pa XXXX My only date of birth is XXXX My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} 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
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/XXXX around XXXX am XXXX, my debit card was compromised from XXXX XXXX  transfer services, and {$4800.00} was transferred ( total XXXX transactions ) from my bank account ( Bank of America ) to XXXX XXXX currency. 

I have raised a complaint with my Bank and they gave me a resolution yesterday that they can't pay back my money. 

Now, XXXX is also not ready to provide any resolution. There is a XXXX on my XXXX account and it failed to send any notification on a new login from a new device. due to the failure of XXXX security, I lost my hard-earned money due to this hack. I never transferred any money to XXXX other than XXXX all these 10 years of my life in XXXX. 

Can someone please help me?
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Friday XX/XX/XXXX th My credit card was used to purchase Items from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX. Someone used my credit card to purchase some items from this store. I noticed and immediately contacted the Bank of America/Visa .
Consumer complaint received 2023-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NH)

I have made multiple attempts to attain a valid breakdown of the fees charged with the attempted foreclosure of my home. I was provided with a list from the XXXX representing the lender, and there are over {$5000.00} dollars in fees that simply say XXXX fees. There are also over {$5000.00} in legal fees in addition to breaking down inspection and title search fees. I have been looking for information as to what they are allowed to charge for, and what they are allowed to charge. I keep finding information that says they may charge reasonable fees, and I find it difficult to believe that {$5000.00} is reasonable for fees that they are not providing any valid purpose of.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I received a notice regarding a credit card application I submitted, but I did not apply for a credit card. This prompted me to try to obtain my credit report, but I was not able to do so because I could not properly answer the security questions pertaining to my accounts. I just recently turned XXXX and should not have any accounts. I am currently living in a shelter and I suspect that my family has been opening accounts in my name throughout my childhood.
Consumer complaint received 2023-06-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (CO)

I am already seeking law advice from a firm, however, PHL has crossed incompetence and floated itself past unprofessionalism and into criminality. Since XXXX we have been told that ALL information related to the assumption of our loan by a buyer ( new divorcee ) was received and collected. Since XXXX we have been told that we were 1-2 days from the closing document, outside loan companies have wired closing money 3x times thinking our closing day was here. Only for PHL to not return calls or say anything for a week. There is not a single employee who can be trusted for their word or anything they say. I have already filed two complaints through XXXX against PHL. Last week I asked for a contact back on what is going on. The head of the XXXX XXXX, XXXX XXXX, conveniently called within an hour of XXXX sending them my complaint. Unfortunately she has not responded nor did she call me back when she said she would. I find myself without the ability to discuss the nearly $ 800k loan I own with Planet Home. I want XXXX to call me back and explain to me where my lawyer can send his letters. I also need to know if XXXX qualifies as a " party '' for PHL or if the complaints to the Consumer Financial Protection Bureau should name PHL in general. The criminal elements include discrimination based on gender ( we believe they would not have turned this process into what it is if the wife was buying my house ) and the damages they know they are causing. I have a XXXX XXXX XXXX child since this process began to play out, currently relocated from XXXX XXXX XXXX blew up the original house purchase ( forfeited $ XXXX in earnest money ) in XXXX  due to this, most likely going to lose any future purchases based on this issue. Homeless with a XXXX XXXX because of PHL.
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (NV)

On Friday, XX/XX/2023 my sister ( XXXX XXXX, the sender ) sent me cash through Wester Union ( a money transfer service ) for an extreme medical emergency! I did not receive those funds in a timely manner, yet they charged her a substantial fee to send only XXXX  within the United States! 

Western Union never released the money and gave us the run around for nearly two days! After several calls to Western Unions off-shore fXXXX XXXX, they could not help us and disconnected each call! 

One of the problems was when making attempts to retrieve the funds they were unavailable to me, and was given the run around on several calls to release the funds! They would never disclose why or how to resolve this Matter, other than have my sister call Western Union over and over all those long days of waiting. 

Three time Western Union asked me for her birthdate and her year! I was suspicious and reluctant to give because this is a lot of fraud and I'm speaking to off-shore personnel that should NOT have authority to her confidential and private information! 

After releasing my sisters date of birth information to Western Union, they still would release the funds at all! And demanded for my sister and myself to call them over and over again with the same request! I had a medical and move-in cost emergency that needs to be paid immediately! 

Western Union created stressful damages to our well-being, failed and refused to disclose their policy and procedures to us prior to taking the money for the transaction! In turn this company created more XXXX XXXX XXXX and felt highly discriminated against us!
Consumer complaint received 2023-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TN)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — Store credit 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. (ID)

On dates between XX/XX/XXXX and XX/XX/XXXX 5 fraudulent charges were made on my Home Depot account unknown to me. These charges were made at several different Home Depot locations. The amounts were : {$720.00}, {$640.00}, XXXX, {$2700.00}, and {$10.00}. 
I notified Home Depot Credit Services by the number on the back of the card and reported it as soon as I discovered it. I called the next day also to check on it, and to make sure they knew. I also filed a police report with XXXX XXXX Sheriffs Office. 
The credit card company never contacted me during their investigation, but I received a letter on XX/XX/XXXX denying the claim, and threatening to report to the credit bureaus. 
I discovered that Home Depot had sent out 3 activated credit cards tied to my account that I did not solicit, desire, or have knowledge of, it was one of these cards that the charges were made with, not the one in my possession.

The charges were made at multiple locations, types of purchases, and card used is not consistent with my purchasing pattern, and the needs of a XXXX XXXX XXXX man. These purchased were made at a series of different locations not relative to my resident address or where I typically do business.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2023, Synchrony bank closed my newly opened 2 % cash back XXXX, which I held for approximately 1 month. They closed it because they are a conservative lender, and as such, assumed I couldn't repay my bill now or in the future. I used this card to make my yearly tax and loan payments, and paid the entire balance in full. In the process, I earned {$780.00} in rewards, as shown on the attached statement. I opened the account for the sole purpose of the advertised 2 % cash back, however these rewards were stolen from me.
Consumer complaint received 2023-06-18
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: DISCOVER BANK (TX)

Dispute XXXX Closed without looking at all of the facts. 
Merchant did not refund the full amount I paid for item when it was returned. Dispute was initiated in XXXX and Discover only looks at whether a transaction is valid not that the amount of the refund was less than the amount paid. As noted per the enclosed attachments, I was charged {$97.00} and only received {$79.00} in refund. As the description of the item attached ; merchant states " full refund in 30 days if not satisfied with item ''. Item was returned within the 30-day time frame. Discover closed the dispute and did not credit the shortage of {$17.00} that merchant did not refund. Again, it is not about a valid transaction that Discover continues to refer to ; it is about the correct amount of money not being refunded by merchant that advertises " free 30 day returns ''. Please assist.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with XXXX XXXX regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, XXXX XXXX has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted XXXX XXXX, XXXX, and Experian times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over XXXX old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with XXXX XXXX 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NJ)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

As always there intentionally and willfully holding transactions that take less than a second for literally any other company but them and I know this very well because I use it a lot to move money to my accounts and instead of being genuine and just canceling or confirming the payment they decide to patronize and hold the funds even longer from yesterday on the XXXX at XXXX XXXX. central Time to well it's a little after XXXX XXXX. central Time and they are still holding it and not actually canceling it like I've asked several times in the last 10 hours or completing it because they are specifically and wholeheartedly holding the transaction. This transactions take less than a second and that goes for literally everyone. This is the worst customer service I've ever seen in my four decades alive and they genuinely do not care nor do they have to because nobody does anything about it. And of course I would be dead wrong according to them if I just up and abandoned the account while I owe them money right?