davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

At approximately XXXX on XX/XX/2023, I received an email from Marcus by Goldman Sachs stating that, " The United States Postal Service let us know that you filed an Official USPS Change of Address order. '' I had not filed a change of address request with the post office, and was predictably terrified that someone had done so fraudulently. I promptly went down to post office and asked them to look into the matter. It turns out that, according to the gentleman at the post office, there was no USPS Change of Address order put in, and Marcus put me through a tremendous amount of emotional distress by sending out a fraudulent email. This is unacceptable.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (CT)

I have used Square to receive payments for several years. Two weeks ago someone hacked their site and put a {$400.00} charge through on my account which I immediately refunded. I then continued to take payments after changing my password. Now they will not transfer my money into my back account.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
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: ALLY FINANCIAL INC. (NJ)

I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

I am selling my home ; we have a closing date for early XX/XX/XXXX with the Mortgage being paid in full. The Company is aware of why I was behind due to XXXX XXXX XXXX and XXXX  that came about while on XXXX XXXX Military. The first issue is I refinanced through this company, and they promised that my payment would lower to help in this hardship. 6000.00 + later added to my Mortgage and now I'm paying XXXX more than my original loan. I call to speak to the department and they can't explain why. Later after complaining enough they said to change home insurance companies that I could possibly lower it that way. I changed companies. Months later, I keep getting mail from my home owners insurance stating that their not receiving payments. I contact my mortgage company ; they put me through to the insurance dept. They told me they are paying it to disregard. I received 6 more letters, and spoke with my homeowners insurance ; they said they are not making payments. Called my mortgage company ( Pacific Union financial ) again during the time frame of those 6 letters. They said again disregard we're making payments. Long and behold my homeowners insurance cancelled and I was not notified, and went 3 months with no insurance. So XXXX XXXX  ( who I had ) then told me they couldn't reinstate me do to the gap. Had to go with another company and my payments skyrocketed. Contacted Pacific Union again, and just like before they play stupid   and say not sure why we made payments. When I ask for corporate my rude acct mang XXXX says she is corporate. So, the most recent problem was what made me furious enough to file a formal complaint. I set up a payment to automatically come out for XX/XX/XXXX, with XXXX. I called in to cancel it, and she said she will not allow me to!!!!!! She said we are taking it out, I said I do not give you permission to do so know. Then she mocked me and laughed at me over the phone, and said do you forget the talk and call we just had days ago when you set up payment. What she would not allow me to do is explain why I needed to cancel it. She said its coming out and I will not stop it, and the only way you can stop it is through your bank!! My home is selling, and I had an issue with my health insurance and I got a XXXX XXXX  removed off my XXXX  on XX/XX/XXXX.  My XXXX is now XXXX, and I have to pay full cost for a XXXX XXXX, and the specialist appointment to get this handled. This was the situation that changed. I am astonished on how rude and unprofessional XXXX, my account manager is! I think that telling a customer that you refuse to stop there automatic withdraw is against regulations and procedures of a mortgage company! I think that this Company needs to be looked at with a fine tooth comb, because they are clearly not following protocol. My mortgage will be paid in full in a matter of weeks. I did not deserve that treatment.
Consumer complaint received 2023-11-10
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (VA)

My credit is reporting medical debt that I do not owe. I have 100 % medical coverage and have no out of pocket expenses. I also have no received any medical services nor have I been to the hospital in the time frame reporting. This are inaccurate and fraudulent charges.
Consumer complaint received 2024-06-06
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)

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.

has violated my rights. Or a 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 2023-11-10
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. (CA)

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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 2020-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CT)

I requested a refund in the amount of {$30.00} from user ID $ XXXX on XXXX, the user was sent funds in error, not intended for this person. The person has not replied, seems to be a scammer of some sort. A prior complaint was sent in regard to this issue, Cashapp replied by sending their terms and conditions, did not address issue pertaining to this error and scammer.. I do not send money to person ( s ) unintended for, it seems Cashapp will not step in, assist me in anyway. Providing their terms and conditions does address complaint, failing to take any action, additional complaints will be filed.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

I use cash app to load my unemployment benefits on XX/XX/XXXX I was unable to use my card at the atm. I reached out to cash app and was not helped with this. I put in a report with your agency and Cash app support reached out to me and let me know there seemed to be a issue with my personal information and my unemployment information and that I needed to send in proof that everything belonged to me. I sent out this information two weeks ago and haven't heard from Cash App since. Nothing confirming they received the information and they are working on it. I have been without access to my funds for almost a month now. The unemployment that was issued to the account is still frozen. There company doesn't have any live person to speak to this is frustrating and depressing. I have been receiving deposit prior to this issue before with no problem.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd ()

So I had put up a XXXXXXXX XXXX on XXXX XXXX XXXX and this guy had to pay for it using Wise and I had to send money to verify this XXXX in gift cards and they had then asked for an extra XXXX so I sent that as had to borrow off a family member as they said it would be given straight back and they have now asked for a further XXXX and I dont have that money and all they are doing is demanding it and I cant give it to them and they keep promising that if I send it I would get it straight back, the first XXXX I sent they say they dont receive even though it says on my bank that its gone through and Ive showed it to them.
Consumer complaint received 2024-05-20
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. (NJ)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX, XXXX, XXXX  XXXX XXXX, Bankruptcy XXXX  XXXX Case Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (WI)

On XXXX XXXX, 2023, I applied for an American Airlines Advantage credit card on-line through Citibank, XXXXXXXX XXXX XXXXXXXX. While I really didn't need a XXXX charge card, I applied only to protect my frequent flier miles totaling XXXX. XXXX sent me an email on XXXX XXXX, with options to protect my miles from expiring on XXXX XXXX, a credit card being the best alternative. Within minutes of submitting the app, I received a computer generated response of " We're unable to approve your application because we couldn't verify some of the information on your application ''. A like denial letter, dated XXXX, was received by mail on XXXX XXXX. Besides personal information such as d.o.b., the only 2 credit related questions were annual income and rent or mortgage payment which I answered, nothing else. The only way to answer them was to write them at CitibankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On the back of the denial letter, I wrote that if there was more required info needed that I missed, their system shouldn't have allowed submission. I requested that they tell me what they were unable to verify - be specific. Further I stated while they may not have violated ECOA, they have an obligation to assist applicants in obtaining credit. 

On XXXX XXXX, I wrote AA voicing my displeasure after I received another email solicitation from them to apply for a credit card which noted I had XXXX flier miles. To date neither has responded.

Since then I have looked closer at the ECOA rules. A couple of violations that stand out are " you're refused for a loan even though you meet all the requirements '' and " Indefinite or vague reasons a
re illegal to refuse you credit if you qualify for it ''. Simply put, to refuse ( or grant ) credit based on incomplete information without attempting to obtain it, is a poor way of doing business. I have had perfect credit for over 55 years and have no debt except a small charge card I pay in full each month. My home is paid for and I have considerable assets. After applying I was offered a free identity monitoring service from my bank due to a breach. I learned that my XXXX XXXX XXXX was XXXX after enrollment.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2023-06-20
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. (WA)

Fales personal information on my credit reports. 

Items that have been paid and/or charged off are not being reported to other credit bureaus. 

Have filed for identity theft in XXXX.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief
Consumer complaint received 2023-11-10
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: Experian Information Solutions Inc. (IL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-05-20
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.

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my credit Report it shows on these false information they charging more on my monthly payments than Im so post to be allowed on my contract I signed & false on time pay history on some accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ), ( XXXX  XXXX  Account Number : XXXX ), ( XXXXXXXX XXXX XXXXXXXX Account XXXX ) ( XXXX XXXX XXXX XXXX Account XXXX ), ( XXXX XXXX XXXX XXXX Account XXXX )
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

I was checking my credit reports from XXXX and XXXX and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
Consumer complaint received 2024-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX  and I have not yet received a response. ''
Consumer complaint received 2023-06-08
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  0XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX