davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (IN)

I, XXXX XXXX, previously used Experian XXXX to help monitor and improve my personal credit report and score. This service is at a rate of $ XXXX and I had recently not paid for the service for XXXX. The debit card information that Experian had were cards that had been reported as lost or stolen and was no longer in my possession. Therefore, there were new credit and debit card numbers that I had NOT GIVEN to Experian. However, today XX/XX/2023 Experian charged my credit card ending in XXXX was charged for {$24.00} without my expressed written consent. As a federally protected consumer, this is a violation of my right to privacy and use of data! This is aggravated identity theft and I want to know how was this information obtained by Experian? Experian is liable under 15 USC 1692k.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I want to file this formal complaint to EXPERIAN. I sent them a letter last XX/XX/2023 regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

The attachment clearly shows that XXXX XXXX XXXX XXXX XXXX XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I am writing to file a formal complaint regarding my closed credit card account with Citi Bank XXXX I am concerned that my account has been subjected to high interest rates and other fees, despite being closed due to my current medical issues which have left me unable to work. 

As a consumer, I understand that there are laws and codes of banking in place to protect individuals from falling into debt with their credit cards. I have attempted to manage my debt responsibly, but have found the interest rates to be unreasonable and unmanageable given my current circumstances. 

Furthermore, I would like to express my frustration with the lack of communication from Citi Bank regarding this matter. I have not been given a clear explanation as to why my account has been subjected to such high rates, or any assistance in managing my debt in a manner that is more reasonable given my current situation.
Consumer complaint received 2023-04-24
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. (TX)

XXXX has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXX, TX XXXX and have for the past 5 years yet XXXX does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. XXXX disabled my lock and alert and won't let me reactivate it. Additionally, XXXX has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and XXXX has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. XXXX has my address listed as their XXXX arizona corporate address and again that is not my address. XXXX needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. XXXX caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with XXXX without resolution. My email XXXX is the email used to sign into the lock and alert but XXXX has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Corp Solutions Inc. (FL)

XX/XX/XXXX a lady dropped off a summons to show up in court for a debt I have no idea about. I never received anything from this company before ( Credit Corp Solutions , INC ) I dont even know what the debt is for. All they said is I took a loan out in the amount of {$2900.00} back in XX/XX/XXXX with an electronic signature. I never took a loan out nor would I as I am a retired XXXX  and am a housewife since XXXX. The court date is set for XX/XX/XXXX at XXXX XXXX. I dont know what to do as I dont know what this is for. Thank you kindly. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (PA)

I seen a unauthorized purchase on my account and my money was stolen over {$3000.00} dollars I got money back for 3 of the payments totaling {$1200.00} and I been told I authorized the transaction for {$1700.00} when I have proof that I never got a hotel or even made a authorized transaction for a hotel and I have receipts and bank statements and I would like my money back thats too much to lose
Consumer complaint received 2023-04-14
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. (NC)

This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-04-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Auto Credit Corporation (AL)

The credit bureaus keep disrespecting the laws and so does this company. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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. 

I can go on and on Someone needs to hold them accountable for this Furthermore I have been disputing this for over a year. It has been removed from my husbands credit report I want it removed from mine! 

They have sent me letters but not a contract WITH THEM SHOWING I OWE THEM THIS DEBT. I HAVE NO CONTRACT WITH THEM. Statute OF LIMITATIONS AS WELL. 
ALSO HOW IS THE ORIGINAL CHARGED OFF AMOUNT AROUND $ 7k and its now showing over $ 12k owed! 

15 USC 1692f UNFAIR PRACTICES
Consumer complaint received 2023-04-24
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: Block, Inc. (NY)

I made purchase through cashapp on XX/XX/2022 for XXXX XXXX of {$120.00} through XXXX XXXX. 

The website states its same day appt but I havent heard from them, so I called and messaged them to have someone call em at XXXX but next me. I didnt hear back so I went to different provider and got medication for cheaper price. 

So when I messaged again for a refund, all of sudden the XXXX XXXX said they wont refund my money due to policy. They have no website about refund policy. So I asked cashapp for refund. Cashapp denied refund BECAUSE ON THEIR END IT SHOWES I MADE AUTHORIZE PURCHASE. they are so dumb. I never said i DIDNT make authorize purchase ; I said I didnt get my appt nor my medication so they need to return my money. I have proofs. Cash app is so stupid, honestly people shouldnt use cashapp as daily purchase transaction really, they are close to scheming scam.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NJ)

Dear Comenity Bank, I am writing to file a formal complaint regarding my credit card account with your bank. I am experiencing a problem with high interest rates on a closed credit card account, which has become a significant financial burden for me. As a consumer, I believe that there are laws and codes of banking in place to protect me from this type of debt, and I would like to request a resolution to this matter. 

Firstly, I want to emphasize that my financial difficulties are not by choice, but rather due to medical issues that have prevented me from working. I have been unable to earn a steady income, and as a result, I am struggling to make payments on my credit card account. I believe that as a consumer who is facing financial hardship due to circumstances beyond my control, I should be protected by relevant consumer laws.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

My daughter had just sent me some money on Chime app and I was logged out of my account so I go on XXXX and look up technical support with Chime and apparently It was the wrong number they was acting like they were techno support So they asked me for a number out of my phone and they got into my phone and start controlling my account to get the password once we got to the password they put in their own password at that point I realized something was going wrong And then a email was sent on pay a friand or pay anyone Once I feel like some suspicious is going on I immediately hung up and they was continually calling me back while my money was yet still in the account I call the real Chime number to ask them how can I close my account and to let them know someone was in my account trying to hack it before the money even left my account After a while I realized a {$1100.00} was withdrawn out of my account and my password was change I changed my email to the account and password It was the only thing that I could do Chime said password was changed again I put in the claim and maybe a hour later the Claim Had denied The claim.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Dear PayPal, I am writing to express my deep concern and disappointment with the recent decision to permanently limit my PayPal account. I believe that this limitation has been placed by mistake, and I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user for many years and have always conducted myself in accordance with your policies and guidelines. I have never engaged in any fraudulent or illegal activities, and I have always been transparent and honest in my dealings with PayPal. 

I am therefore extremely surprised and dismayed that my account has been permanently limited. I firmly believe that this decision was made in error, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would be more than happy to provide any additional information or documentation that may be required to support my case. I believe that my account has been unfairly targeted, and I am confident that a thorough investigation will reveal that there has been a mistake. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am eagerly awaiting your response and hope that we can resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (NC)

In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, the following accounts are STILL inaccurate and those companies are STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX KIND REGARDSXXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

US Bank {$400.00} Business Checking Bonus Business : XXXX XXXX Approved XX/XX/2023 - Account ending in XXXX Followed all terms : U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use XXXX XXXX XXXX Deposit {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete XXXX qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening.

US Bank has not contacted me after several attempts to rectify.
Consumer complaint received 2023-04-24
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. (CA)

Someone stole my identity and opened credit cards with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!