davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

On XXXX XXXX XXXX I logged into my XXXX account and noticed my points had gone down XXXX points. As I investigated the matter It showed me a collections accounts was opened on XX/XX/scrub>XXXX XXXX XXXX The original creditor is XXXX XXXX XXXX. The balance is {$300.00} on a 24 monthly payment plan to AMSHER COLLECTION SERVICES. The contact info on the account is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I DO NOT RECOGNIZE ANY OF THE INFORMATION LISTED. From noticing this I immediately got on the phone with XXXX, and was advised by a Fraud Specialist ( XXXX ) to file a report with ftc.gov. Upon filing upload the report to XXXX website and wait for the dispute to be settled. Whomever reads this have a blessed day.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

Chime closed my account in XXXX of this year and I have emailed them over XXXX times and over XXXX phone calls. And still no nothing. Now they say I have no more funds available. It was IRS stimulus checks that they had of mine in the amount of {$2000.00}. They keep telling me they was handling it and I should be getting a closer check but 6 months later still nothing and now they say there is no funds available to me. No one should have to go thru what I have went thru just to get what is rightfully there's.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was alerted by Experian and XXXX XXXX stating that there is a hard inquiry on my credit report today XX/XX/2024. I called Experian to dispute the inquiry and also called XXXX XXXX to dispute the inquiry and put a note on my account that I am not applying for a new credit card.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

Cashapp offers these short term loans... I've used them a handful of times... always paying balance in it's entirety early. 
Thursday the XXXX of XXXX, they started taking 10 % of every deposit..NO reason, no explanation, nobody knows " why ''. They have given me multiple confirmation numbers..but do nothing..for a total of 3 mystery deductions so far. Flat out stealing. 
It should be noted that customer service is rude, short, and loves running you in circles. Got ta dig to find out cashapp is owned by Block Inc ( cashapp, square ). Other than that? They have fake " help '' on the internet ... my favorite is the " cashapp fraud protection team '' XXXX XXXX XXXX, but they don't really exist. 
So, I have been waiting 1 week... today I caught on..not happy. 
In summary... they are making unauthorized transactions that have had me moving money, making calls, canceling appointments, and on the phone non stop. I have filed with the XXXX, the FDIC wasn't a good fit..but I'm seeking legal counsel. 
It's amazing frankly, I called for what I felt was a minor glitch ... turns out they are stealing..they know they are... they are not accountable. I look forward to taking them to court. I can't be the only one though... and it needs to get exposed, corrected. 
XX/XX/XXXX XXXX took {$2.00} XX/XX/XXXX XXXX. {$2.00} XX/XX/XXXX also Sunday. {$10.00} Only takes a XXXX to bounce a check ... and NOBODY is handing ME any breaks..I want them accountable. 
Thank you.
Consumer complaint received 2023-05-05
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. (TX)

I have sent 12 letters of formal complaints via certified mail to XXXX and TransUnion regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-01-11
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. (NY)

XXXX transunion XXXX volation Privacy Act of 1974 ( XXXX XXXX Code XXXX ) / Fair Credit Reporting Act I recommend reading the ENTIRE act as it will only help your understanding but I am going to highlight a few examples. 
15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for15 U.S. Code 1681a 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection 15 U.S. Code 1681c 12 XXXX XXXX XXXX15 U.S. Code 1681c 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (LA)

I don't recall having a contractual relationship with this collection company AMSHER COLLECTION SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-24
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: SYNCHRONY FINANCIAL (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear SYNCB/GAP, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX Missouri laws, specifically XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

It has come to my attention that SYNCB/GAP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX Missouri laws, particularly XXXX XXXX XXXX XXXX XXXX, underscore the necessity of consumer consent for credit reporting. 

I assert with unwavering certainty that I have not provided consent for SYNCB/GAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with utmost certainty, that SYNCB/GAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX Missouri laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SYNCB/GAP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (AZ)

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC (PA)

Debt was moved from original creditor to XXXX part collection agency without notice, paymemts where being made on original creditor site than unable to make paymeny and received noticed from collection agency regarding possible suite to collect debt. Action requored prior to XX/XX/XXXX.
Consumer complaint received 2024-05-22
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 (NY)

I tried to use cards at both XXXX XXXX and XXXX and they kept denying, and taking XXXX cents off for each try. I called both American Express and XXXX XXXX  and was told that due to security implications that I would not be able to use any of the cards I have. I have around $ XXXX {$2000.00} and bought them solely because they advertise that they can be used online. Neither company was able to help me or offer a Solution, even after I explained that the reason I bought them was because I am temporarily housebound and need to be able to use them online.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requesting a copy of my Drivers History report sent to me via mail.
Consumer complaint received 2019-09-18
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. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX  XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (TX)

Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company advance America sold my loan to. XXXX XXXXXXXX XXXX. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
Consumer complaint received 2023-06-20
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$6600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

This is the last email I sent Nelnet, if it is helpful : Hello, I am following up yet again with questions regarding repayment and hoping I can one day get a concrete answer. I have been asking ever since my loans were transferred to Nelnet what my monthly payment would be and a ) never got an answer for months and then b ) when I finally received an answer, it was wrong. Since repayment started, I have had a different balance nearly every month, even though it is on autopay, ranging from in the {$70.00} range to the high XXXX  XXXX. 

Most recently, I received an email saying my amount due was {$69.00} ( due on XX/XX/XXXX ). However, on both XX/XX/XXXX and XX/XX/XXXX, my account was charged {$170.00}, even though the billing statements said completely different amounts and most months prior ( XXXX - XXXX, which was also the most continuity my account had ), I was charged {$140.00}. 

I need to know several things, at this point : a ) Why has no one been able to provide me with a concrete monthly payment amount? I have been paying loans back every single month since XXXX ( aside from the XXXX break ) and have never had these sort of discontinuity issues before b ) Why are the billing statements I'm receiving completely different from the amounts my account is actually being charged? How do you expect people to pay back these absurd loans regularly and keep a budget if you can not even keep numbers straight? 
c ) Why has the amount changed every month? For a fixed repayment loan, now likely out of the " ramp up '' period, why can't things be kept consistent? 

Please let me know ASAP answers to all of these questions or direct me to someone who can. I have dealt with many loan servicers over the years and undoubtedly Nelnet is the worst by far. Clearly customer support and clarity for customers has never and will never be priorities for Nelnet. 

Looking forward to finally hearing back and getting some answers,
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP (OH)

During the pandemic an account was opened in my name at Key Bank in XXXX XXXX.supposedly there was an unemployment check deposited into this account without my knowledge or consent. This caused a fraud alert to go out through Key Bank. I only learned of this account being opened because I recently opened an account at XXXX XXXXXXXX XXXX in XXXX, Ohio upon depositing funds into my recently opened savings account there was a freeze on the XXXX XXXX account citing a flag due to someone opening the Key Bank account. I can attest that I did not open this fraudulent account through Key Bank.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 remove them immediately from 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
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i needed a loan and just applied for one, unfortunately it was denied from the bank. so i pulled my credit report to see if i could see what the problem was. i noticed a lot of items in my report were not correct, but somehow ended up o my report this doesn't make sense to me as they aren't accurate.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a hard inquiry on my credit report on XX/XX/ 2024, for Kohl's/CapOne. I have never applied for a credit card from them. I contacted KKohl 's and Capital One. Both parties said they don't have any application or account open under my social security. Today, XX/XX/ 2024, I received Kohl 's credit card. I talked to customer service, and she said she would report it, but no further action was needed. I can not believe how they got my information since I never applied for a credit card. There is a security breach or illegal data sharing without my consent.