davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since  XXXX  my credit history is only 2 years old seems to be some type of collection agency prior to my   XXXX   XXXX   account started  XXXX  I have not had a credit card since   XXXX   so I 'm totally confused, I tried to dispute with   XXXX   abd  XXXX   XXXX  disputes have been pending since  XXXX  I tried emailing  XXXX  companies regarding the disputes with no reply I do n't know where else to go it says open  XX/XX/XXXX  no inquiry no payment history nothing showing it would be my account
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear TransUnion, I am writing to notify you that your unlawful defamation of my character and reputation has caused significant harm to my personal and professional life. The false statements and implications you have made about me are not only damaging but also completely unfounded. 

Under the laws of Connecticut, it is unlawful to engage in defamation of another 's character and reputation. Defamation includes " any intentional false communication, either written or spoken, that harms a person 's reputation ; decreases the respect, regard, or confidence in which a person is held ; or induces disparaging, hostile, or disagreeable opinions or feelings against a person. '' Your statements and implications about me, specifically the inaccurate reporting on my credit report, are categorically false, and they represent a malicious attempt to harm my reputation. 

I demand that you immediately cease and desist your unlawful defamation of my character and reputation. I also demand that you remove any defamatory statements about me from any websites, social media platforms, or other forums under your control, and that you refrain from making any further false statements or implications about me. 

If you fail to comply with this cease and desist order, I will be forced to take further legal action against you. This may include seeking monetary damages for the harm you have caused to my reputation. 

This letter is not intended to be a complete or exhaustive statement of my rights, legal or otherwise, in connection with the above matter. I expressly reserve all rights and remedies available to me under the law. 

I look forward to your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, 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. (GA)

All inquiries listed below and also there is a identity theft report attached with all fraudulent inquiries that are being reported to TransUnion Fraudulent TransUnion inquiries XXXX  XXXX XX/XX/2022 XXXX XXXX Card Services XX/XX/2022
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I have all these credit inquiries on my report and I do not recall any of them. I have sent letters and nothing has been done or youve been placed a fraud alert. I also went to the police department of paperwork as well. Here is a list of all the credit inquiries. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I was trying to receive tax information to file our taxes. When I called Navient, they said I do n't have a loan with them and we 've been paying them for years. I 've been paying them since Navient took over the loans from XXXX. I asked the technician about where my payments had been going he could n't give me an answer and told me to call another number to find out where my private student loan was. The number belonged to XXXX. They pointed me to XXXX who handles federal loans and not private loans. They 're giving me the run around and I still do n't know who I 've been paying and where my loan is right now, as well as my tax information.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Failure to Respond within Requested Timeframe Dear TransUnion, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XXXXwithin the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against TransUnion LLC. 

Despite providing ample time and opportunity for TransUnion to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by TransUnion 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that TransUnion may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, TransUnion has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against TransUnion to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

TransUnion 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore TransUnion to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from TransUnion within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from TransUnion will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that TransUnion will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
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. (FL)

I am writing to formally dispute the presence of several unauthorized hard inquiries on my credit report, as detailed in the report I received from your agency. Upon careful review, I have identified inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my creditworthiness, and I am seeking your urgent assistance in investigating and rectifying this matter. 

Please see attached letters for each bureau.
Consumer complaint received 2024-03-14
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

Okay I went into the Wells Fargo branch on XXXX XXXX in XXXX Virginia to withdrawal cash that I had received through the XXXX app so I was going to put the money back in my account to get a cashier 's check and they proceeded to tell me they embarrass me in front of everybody but say that I was being scammed and proceeded and I kept saying I'm not being scammed they proceeded to tell me I was being scammed okay and then they freeze my account put a hard hold on it for I can not access any money or anything and tell me that people have requested a refund because it was an unauthorized use of the XXXX app which I got no documentation or proof of and this has been going on 3 weeks now my account was supposed to close yesterday on the XXXX I have not paid my rent because of this I got an eviction notice because of this and they're telling me they're going to keep it open until XX/XX/XXXX in case there's more people there wasn't but three transactions done Wells Fargo this is the second time I've dealt with these people the first time they did the same thing to me same back thing same issue and I think they are to be held accountable because first of all no proof of anything they can't give me no proof I can't even go in the bank and tried to get in my account no longer allowed to have online access you know my rent was due on the XXXX of this month and today is the XXXX and I got an eviction notice because of this that money belongs to me fair and square and they need to pay me my money let me have my money because all this is false accusations and I want something to be done I'm tired of Wells Fargo treating people like this I'm not the only one that's been done like this
Consumer complaint received 2024-06-04
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. (TX)

XXXX XXXX Equifax Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

CITICARDS CBNA Reported inaccurate information without my consent which is against the law. This account is not mine. 

According to FCRA SECTION 605b it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. Thank you.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc. (CA)

Dear Sir/Madam, I am writing to formally file a complaint against Revolut Ltd , a financial services company, regarding the arbitrary closure of my account and their handling of disputed transactions. 
I have been a customer of Revolut Ltd for over two years and have generally had a satisfactory experience with their services. However, recently I have faced issues that put the integrity and reliability of the financial institution into question. 

In XX/XX/2023, I initiated a chargeback request against a company named XXXX, which I believe manipulated trading results to their benefit. I followed the proper procedures and presented sufficient evidence, including screenshots and documentation, to support my claims of unfair trading practices. My request was declined by Revolut Ltd, citing regulations and rules without adequately investigating the matter. 

Soon after this, I discovered that my Revolut account had been permanently closed without any clear explanation. I was merely advised to check their Terms and Conditions under Clause 24, which outlines possible reasons for account termination. However, none of the conditions listed apply to my case. 

The timing and manner of these actions have put me under immense financial and emotional stress. Revolut 's actions appear to be retaliatory following my dispute with XXXX, and I question the ethics behind such abrupt and unsupported decisions. This situation has not only caused me financial loss but also shaken my faith in the financial system that is supposed to be secure, transparent, and customer-friendly. 


Thank you for your attention to this matter. I look forward to your swift action. 

Sincerely,
Consumer complaint received 2023-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (SC)

Provided doc. With wrong information, savings account only earned pennies ... since XXXXdid ask for compliance, research, manager, investigation, I was told to close account before I was declined a solution and I relocated, I was defamated discriminated retaliated ilegally persecuted Frost bank, XXXX XXXX, TX XXXX a XXXX with two checkings? ; and 1 savings?
Consumer complaint received 2023-02-20
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. (NC)

Experian report # XXXX is reporting the following 24 addresses fraudulent. 
1. address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, 5.address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

PNC REFUSES TO GIVE ME MY MONEY BACK. They made me pay them back for a scam on my account and I am unemployed. IT WAS A SCAM THEY HAVE INSURANCE FOR THIS. They have not even tried to resolve the issue. They just keep trying to call me to tell me the decision will not change. GIVE ME MY MONEY BACK NOW. Also, when I was widowed and inherited this account in 2016 they stole a bunch of money out of the account. It was my husbands account. No one informed me I would get fees for a lower balance than {$700.00} or fees for him no longer having a direct deposit on the account. They would not reimburse me.
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that has been reported to TransUnion, one of the major credit bureaus. The account in question, bearing the account number XXXX, has been listed as a collection account, despite the fact that I have never had any association or involvement with it. 

I recently discovered this account 's existence when reviewing my credit report from TransUnion. The account details listed on the report are as follows : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Balance : {$3100.00} No. of Months ( terms ) : - - High Credit : {$3100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : - ( This account is not mine ) I must emphasize that this account does not belong to me, and I am a victim of identity theft. As such, I demand an immediate investigation into this matter to rectify the fraudulent account and remove it from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I intend to exercise them to ensure a fair and accurate representation of my credit history. 

Furthermore, I have taken the necessary steps to report this identity theft to the local law enforcement agency. I have filed a police report with [ Name of Police Department ] under the reference number [ Police Report Number ]. Enclosed with this letter, you will find a copy of the police report for your reference and records. 

Case law supports the responsibility of credit bureaus to investigate and rectify fraudulent accounts. For your reference, I would like to highlight the following relevant case : [ Provide the details of the case, including the name, citation, and key points that support your position. ] In light of the aforementioned case and the evident discrepancy between the reported account and my personal financial records, I insist that TransUnion undertakes the following actions : Conduct a thorough investigation into the fraudulent account [ Account XXXX : XXXX ] and its associated details. 

Provide me with a written response acknowledging the fraudulent nature of the account and your commitment to rectifying the situation promptly. 

Take immediate steps to remove the fraudulent account from my credit report and update my credit history accordingly. 

Provide written confirmation, within [ reasonable timeframe ], that the fraudulent account has been completely removed from my credit report. 

Failure to comply with these demands will leave me with no choice but to escalate this matter further. I am prepared to exercise my rights under the FCRA and explore legal remedies to seek redress for the damage caused by this identity theft.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX