davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

Following the recent investigation, I disagree with your findings and seek complete accuracy. It appears the creditor reporting this information was not adequately contacted. I need more details about the following accounts : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (WA)

In XXXX of XXXX I was looking online for a payday loan when I found Explore Credit. I looked at the website and entered information to see what amount they could give me and what the interest rates were, etc. I did not proceed because it was not manageable for me to do so. The next afternoon I received a deposit of {$950.00} into my bank account. It was not traceable and even my bank was unable to tell me where it came from. About XXXX weeks later Explore Credit started debiting my account {$310.00} every XXXX weeks. These payments started on XX/XX/XXXX and continued until XX/XX/XXXX. I contacted them to find out what was going on and demanded the contract and what I had signed. They did not provide this information. The only thing they sent me was a payment plan with due dates. I tried to stop payment with them and they refused to help me. I talked to them numerous times and no luck. I finally had to cancel my XXXX card. After doing so they made checks out of my bank routing information and continued to take money from my bank account. After consulting with my bank who had never seen anything like this I had to close my entire XXXX  account. I have paid {$2300.00} and they continue to harass me via text and phone. They are demanding I pay the balance owed of {$6300.00} on a {$950.00} loan. That would have me paying {$8600.00}! Is this not XXXX loan abuse?
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I callled Wakefield after of countless times of trying to dispute off my credit file. I asked for the original purchase contract or signed documents they said they didnt have the information so how can they report to XXXX XXXX and XXXX as accurate & verified when they dont have that information.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so.

Below is a summary of the data in which I am challenging The payment history from creditor and then the payment history reporting from bureaus The last date active, date opened, last paid, closed or open status, dispute of reinvestigation and if the first investigation cover dispute request where is the verifiable proof that it was viewed to be sure it is 100 % accurate when I believe it is not and does not meet the FAir Credit Reporting Act section 611 and needs to be removed for failing to comply with federal and state laws. 

Credit Accep Corp XXXX complete proof documented not explained I want it to XXXX Shown that this account was and has been reporting 100 % accurate and the payment history from the creditor is the correct payment history being reporting on my credit. 

If you can not provide that please remove all of this wrong information from my report please and thank you
Consumer complaint received 2024-07-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

Hello, I received a {$1500.00} Amex Gift Card ( virtual ). I've tried using this card at multiple locations - both online and in store- and haven't been able to use it anywhere. XXXX of the retailers I've tried is XXXX, which is a large, national, reputable retailer and the card was denied. 

I haven't been able to find a retailer to successfully take the card - no one will take it. I called Amex customer service and they did not offer any type of resolution. I asked multiple time ( and escalated to a supervisor ), asking where I can use the card, as the website states that the cards can be used " anywhere. '' When I asked if they could provide me a list of approved retailers ( since I haven't been able to find XXXX to take the card ), they said that's not possible, but to try " another '' retailer. Upon trying another online retailer, also declined. 

Amex is inaccurately describing and falsely advertising their product online, as the card can not be used at " any '' online/physical retailers. Amex makes it extremely difficult to use this card. And upon calling to request support, their team is not helpful, as they say that there's nothing they can do about it and it's for " security measures. '' ( Which isn't true, because the retailers I've tried using the card at require the card number, expiration date, and XXXX. ) I haven't been able to use my card anywhere, and I haven't been able to reach a customer service representative to support this matter. For a reputable company like Amex, it's extremely frustrating that they are taking advantage of their consumers in this way. I'm hope you can help support this matter and offer a resolution. 

Thank you in advance for your help! 
XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

I asked for the original signed documents they verbally told me they dont have the documents so by law why is the debt collector trying to collect a debt. I also contacted the credit bureaus they said they dont have the Original documents or havent seen them so how can they verify something as accurate & left on my report. Also saying they cant remove anything off my credit file but they can leave things on there without the proper information?
Consumer complaint received 2024-07-02
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've recently received a copy of my credit report and noticed several inaccuracies related to my name, address, telephone numbers, and employment information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (TN)

XXXX XXXX I began contacting American express serve about the money. There after I a been calling them over 5times per day. I even sent a email XXXX XXXX asking them the release my money
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

I am a victim of bank fraud and I can not get any help from Regions Bank where I have been a member for 40 years or more ( through many name changes with the bank... XXXX, etc, ). 


On XX/XX/year>, my partner, XXXX XXXX, had a XXXX  XXXX and almost died twice. I spent the next nine weeks with him in XXXX XXXX XXXX XXXX from early morning to late night. He came home on XX/XX/XXXX. Sometime during XXXX someone evidently contacted Regions Bank and convinced them to send them a debit card to my account. NO ONE from Regions Bank contacted me at anytime to question this request. Then, whomever got the card, went to an XXXX XXXX XXXX in XXXX, PA and withdrew ALL OF THE FUNDS in my checking account. I did not realize this until my automatic payments to various utilities and businesses began to bounce. 


I immediately contacted Regions Bank and told them that this was in error. They have conducted investigations and say that I authorized this transaction. That is a lie. 


The people at the bank have told me that they sent this card to someone in Pennsylvania but will not tell me who nor the address that it was sent. They gave them a bank card WITHOUT cancelling my debit card. This, in itself, makes no sense. 


I am at a loss as what to do. The funds stolen were {$4900.00} and went to XXXX. When I XXXX XXXX it comes up as XXXX. 


At NO TIME have I authorized ANYONE to get a bank card on my account. I need help since the bank is not helping me. Please help me get this money back or let me know who I need to contact in order to get it back. I have a Police Report that I filed with XXXX and the report that I filed with the Federal Trade Commission . 

I have also filed a complaint with the Tennessee Secretary of State XXXX XXXX ; my US Representative XXXX XXXX ; the Commissioner of Banking and Finances for the state of Tennessee XXXX XXXX and the Federal Trade Commission. I am at a loss as to what else I can do. This is a travesty. I am XXXX XXXX XXXX and can not afford to lose money this way. I trusted Regions Bank for decades and now they are letting me downstealing from meat my most vulnerable time of my life. 

Sincerely, XXXX XXXX XXXX Phone XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unauthorize hard inquiries -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX kept taking money out of my Capital One Checking account after the credit card was closed and charged off. I used to pay monthly payments to XXXX by logging in the website and I was not on auto pay after my account was closed. I disputed the last charge that took money from my account and it was put back into my checking account. Then I got a letter from the XXXX  saying if I don't want them to continue taking money from my checking account to call them and let them know they don't have permission, which I did. A couple of months later I got an email from Capital One stating they are going to stick with the original charge and took the money out of my account and give it to XXXX on XX/XX/year>. I called the XXXX and they stated they no longer have access to my XXXX XXXX account, it was sold to a collection company over a month prior. I called Capital One and told them this and they stated they needed a copy of XXXX 's policies and procedures and something stating when my account was closed. I provided those documents and they still refused to get my money back.They can also get the information about when my account waa closed and charged off from a credit agency. The collection company said to tell them to call them and they will tell them the account had been closed and charged off and that they did not have permission to take money out of my account. Capital One refused to further investigate the situation. So after all that happened, Capital One sent my money to a XXXX who did not have my account anymore without my permission.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I had a charge for XXXX that was never completed because the store was closed. I called in to cancel the charge. They said they were sending me a new card and never did. They told me for two months it was a systems issue. Then told me the account was closed
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (LA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc ()

I joined XXXX XXXX on XX/XX/XXXX and was not clearly informed about the XXXX contract or the inability to cancel. When I attempted to cancel on XX/XX/XXXX, I was told I had to pay {$900.00} for the entire year. Additionally, despite providing the correct account number, I was charged for an invalid account number and incurred a late fee. The manager admitted they did not inform me about the contract terms and threatened to send the fees to collections, which would damage my credit. Despite my efforts to resolve this, including requesting information about the contract terms and cancellation policy, the company did not provide the necessary information. Another reviewer had the same issue, indicating a pattern of deceptive practices.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (FL)

Cash app refuse too open me account base on term violation ( but refuse to state the violation ) and my XXXX which is mrdd cash app has taken money from me from previous account I had in the past however I forgot that account information so when I tried to open a new account they refuse to open me an account base on terms violation but they refuse to tell me what the violation is. I also appeal this process and believe I'm been denied an account due to my XXXX. And cash has taken money from me on previous accounts that I was never able to use. Cash gave my whole family account but is denied me without a clear reason why
Consumer complaint received 2023-10-26
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-07-01
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (MI)

I contacted the customer service department when I was unable to get the card to work and was told they had put a fraud lock on the card. I was directed to go to their website and submit my ID and a selfie. when I attempted to submit my ID the system denied it because it was expired. I called back and explained the situation and was told to send it in via U.S. mail I informed them I couldn't wait that long. I asked to speak with a supervisor and after going through the same discussion was told there was no other option. I then requested to speak with the next level supervisor to witch I was told they don't take customer calls but if I wanted one could call me back within 48 hours. They called back and I was unable to take the call. I called back and was told they couldn't transfer my call to the person who had called me. Attempted to request a supervisor again had to go through the same process and when I tried to speak to the lady she was rude and condescending. I tried calling back and was told I could submit my temporary license so I attempted to and the system denied it because it didn't have a photo. I then tried researching the bank and found this was their MO and that they have been Fined by the CFPB in the past for the practice.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/XXXX AND NOTICES SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING ACT .when ever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures to assurance maximum possible accuracy of the information concerning the individual XXXX XXXX XXXX whom the report relates Auto insurance claims with incorrect inaccurate XX/XX/XXXX Lexisnexis consumer center CONSUMER NUMBER XXXX IS NOT COMPLETE AND ITS NOT ACCURATE XX/XX/XXXX Lexis nexis consumer center Consumer Number XXXX Is not reporting correctly asking them to reinvestigate this account .. so I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 usc1681i7.

THE CLUE REPORT IS REPORTING IN ACCURATE INFORMATION ON MY CLUE REPORT I NEVER RECIEVED ANY TICKETS THE INSURANCE COMPANY FASLEY REPORTED FALSE INFORMATION RESULTING XXXX XXXX  ON MY INSURANCE PROFILE.

They also violated 15 usc 1681i ( 5 ). 
Can you look into this matter.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My request was for them to release the collateral for my auto mobile, because I payed the loan in full, here is the tracking number for the overnight payment XXXX XXXX. 
After I made the payment, I received a check in return for over payment in the amount of {$170.00}. Further there is no lien on my auto mobile after a lien search by the NYS DOS and a certified answer from the Secretary of State confirming that there is no lien on my property, except for my lien I filed on my auto mobile.