davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

Around XXXX  XXXX unpaid bill was put on my credit report stating an account was open and had unpaid bill. Told company I was a victim of identity theft when my wallet was stolen. I have had XXXX service almost my whole life until this day. The dates in which they say this was open align with stolen identity account was open online not in person which allowed the person to open fraudulently. Have tried multiple times to explain and get this issues resolved over years with no success.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Credit Karma (AL)

Credit Karma advertises if you apply for a credit card.And do not get the card. They will give you {$50.00}. I apply for XXXX card. I was denied. Therefore Credit card owes {$50.00}. I chatted with Credit Karma on two occasions. One occasion they sent and email stating I was going to receive a gift card for {$50.00}. Then they sent another email saying different.
Consumer complaint received 2024-02-15
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: CITIBANK, N.A. (MO)

on XX/XX/XXXX, i wrote to THD/CBNA in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/XXXX. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported XXXX which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of XXXX after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with THD/CBNA. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 11th 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 items XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/year>, a scammer called me impersonating a Wells Fargo banker and said that someone in Texas had made purchases using my credit card. I believed him, and he reassured me and told me he was going to help me get this fixed and that in order for him to help me, he needed access to my phone screen through XXXX XXXX. When I asked him if he was lying to me because this seemed suspicious to me, he told me to XXXX the number he was calling from. I XXXX searched the number and it appeared as a Wells Fargo number, so at the time, I thought this confirmed his identity. The scammer then instructed me to transfer all the credit money to my checking account. From there he tells me to temporarily move it to XXXX XXXX so that he could reset the credit card from his side. Once he did that, he somehow he gained access to my apple ID and kicked me out of it. I lost access to my phone, he hung up, and that's when I realized this person was a scammer. That's also when I realized that the money transfer wasn't to help me, it was the scammer sending it to himself. was able to obtain the email of the scammer by going on XXXX XXXX XXXX and looking at my account, the email is XXXX. I also filed a police report and will attach it to this XXXX XXXXXXXX XXXX XXXX XXXX XXXX The amount of {$9900.00} was stolen from my account The bank denied denied my claim and stating that i did it under the false impersonation of Wells Fargo.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cedar Holdings, Inc. (OH)

I took out a loan from Gray Fox lending on XX/XX/23. I have already paid them almost {$1700.00}. I did not notice at the time that I took out the loan that the annual percentage rate will 700 %. According to the lone documents, I will have to pay back over {$7000.00}. I understand that they are a tribal lending company. I wonder if there is any resource or law that applies under usury statutes. I would never have agreed to this loan. If I had understood the terms and conditions up front.
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (WI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2023 I noticed a derogatory on my credit report from XXXX. I have tried disputing this inaccurate information multiple times with collection agencies but nothing have been done. I am writing this dispute certain information on my credit report as provided by your Transunion, which I believe violates the fair credit reporting act ( FCRA ) under 15 USC 1681 ( 2 ) ( a ) ( i ). The inaccurate information pertains to an outstanding balance that does not belong to me, such as inaccurate balance on an close account. I am requesting that you investigate these inaccurate and remove the dispute information from my credit report in accordance with the provisions of the FCRA.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I had a legal separation from my wife since XXXX. One of the stipulations was that upon the XXXX XXXX turning XXXX the house was to be sold and XXXX would have the first right to purchase it. 
When XXXX, my XXXX  child turned XXXX and since he was just starting XXXX, I did not push to have the house sold and I figured that when my case went before a judge after taking into account was that I put the initial {$10000.00} down payment, paid the mortgage for 5 years and put {$40000.00} in reparations and updates into the account I also owed her {$10000.00} at XXXX statutory interest and so that would have been at least {$25000.00}. She was responsible for all mortgage payments since XXXX and so I really didn't think I would even get {$100000.00} but I was Ok with that. 
But she decided to submit an application to refinance the house, with only {$47000.00} left before it was paid off, because she was laid off from her job in XXXX and had no income, she made out the application claiming we were married, that I lived at the same address and that it would be my primary residency, she did not put down that she was receiving alimony because then her being married would be a lie, she knew all my personal info- XXXX XXXX, mothers maiden name place of birth,, date of birth etc. and she forged my signature. The same day I was looking at apts, because after living at XXXX XXXX XXXX XXXX XXXX XXXX I decided to rent an XXXX XXXX so from about XXXX to XXXX I was shown about 7 apts and then I signed a lease agreement about XXXX at the rental office on XXXX XXXX. The date that I signed the lease agreement was XX/XX/XXXX and I allegedly helped fill out an application to refinance the property at XXXX XXXX XXXX and signed it and from what I understand this occurred during the same time that I was looking at apts and signing a lease She did get the refinance on the house and the amount was for {$150000.00} and she paid off the existing loan and put {$100000.00} into her bank account, after all she was unemployed so now she had money to make her mortgage payments. 
I did not know about this until about 18 months ago.I saw that there was a new mortgage listed on my credit reports for 30 years and she had given them no information to be contacted in case of a default. She has also taken out at least 10 credit cards, using my identity, from Chase and I believe that she has opened and closed as many as 20 credit card accounts with other companies and she is not stopping, because even when I am declined my credit score goes down. 

The main point of the comm is that I never took out a mortgage with XXXX XXXX XXXX XXXX have submitted all my evidence to Chase but yet have not received a reply from them. Can you help?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My son was targeted in his first yoer of College in a teacher work related scam where the scammer sends him a ( fake ) check but real from another innocent party as a work related task. He was asked to deposit it and send the professor ( via XXXX ) a sum of money and keep the rest as his pay. Obviously, the check was returned as unpaid, the Bank ( BOA ) says they can not trace the XXXX Payment ( even though they had the recipients pay info ) and proceded to charge back to my son 's account. This account could not afford the pay back as the funds did not support that payment. So BOA took the funds out of MY account which was connected only by my wife 's name on my account. My sons account was separate and I do not know how that is legal??? 
To the tune of approximatley {$1000.00} They would not reverse nor even negotiate this transaction, so I closed my account with them after about 30 years with the institution! 
I think this policy is ilegal and should not have been my personal account 's responsibility. BOA actually had the scammer 's info but would not persue. 
I also filed a report with the FBI about the scam.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2023, I made a payment in the amount of {$170.00} to my auto lender XXXX via Cashapp. XXXX claims they have not received this payment. I contacted Cashapp support on XX/XX/2023, to provide a proof of payment for the lender & was given a report showing this transaction. On XX/XX/2023, I filed a dispute with Cashapp support requesting their assistance with tracking the funds that they show being paid on XX/XX/2023, but XXXX claim was never received. 

The document from Cashapp clearly shows the funds were released from my account & sent to XXXX. My dispute was denied on XX/XX/2023 stating ; " We reviewed your dispute with XXXX XXXX XXXX XXXX for {$170.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute '. 

They do not specify what 'details provided ' is referring to. The document I submitted was the proof of payment to XXXX provided to me by their own support team. If XXXX never received this payment & Cashapp shows the funds were released, who is responsible for tracking this transaction to return the funds to my account? Cashapp is insured by FDIC.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (CA)

There are fraudulent hard inquiries on my credit report. Please remove these inquiries immediately. 
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 2024-05-01
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-04
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2024-01-30
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. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IN)

I opened this saving account with Citibank in XX/XX/XXXX, and I transferred XXXX dollars from my other bank accounts to this new account. And right after that, this new account was 'blocked ' from me and I could not get access to it. Then I immediatedly contacted Citi bank services by phone call, and their security department told me that my account has to be closed, but they refused to tell me the reason. And I was tole the fund in the account would be sent to me by check within 60 days. But after that I didn't receive the money or any further notifications. In stead, I still received account statements on paper every month. So I called Citibank service again, and told me the same again : they decided to close my account, and the fund will be sent to me within 60 days. Then I still didn't receive anything. I don't really remember how many times I have called, but the most recent one is in XX/XX/XXXX. Every time I call, they told me the same thing and they promised I would get my refund, but nothing happens after that. I still receive the paper statements, and the balance has not changed since I deposit the XXXX dollars. Now I even lost the access to my Citi bank credit card since it shares the same user info with the saving account.
Consumer complaint received 2023-05-02
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. (AZ)

Im accordance with the fair credit reporting act XXXX  account 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.