davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (NC)

On the morning of XXXX, I used my debit card from Axos Bank to make a purchase at a XXXX. The purchase was for approximately {$7.00}. The transaction was successful. Later that afternoon I attempted to use the debit card to purchase lunch from XXXX, and the debit card kept declining. I contacted Axos customer support and was told that the bank was performing end of year maintenance, and that the maintenance should be completed in approximately 2 hours. This was XXXX XXXX  on a Saturday, and I thought it was odd that a bank would be performing maintenance that prevents a customer from using their debit card in the middle of the afternoon. I waited the 2 hours and the debit card still didnt work. I called again, and was told that IT is aware of the issue and is working on the banks servers, and that my card should work again by the end of the day. Shortly after midnight, I attempted to use the debt card again. This time, the transaction not only declined, but my debit card was placed in a suspended status. 
This led me to call Axos customer support again, and they told me that the most recent transaction was identified as possible fraud, and that the fraud center had placed a temporary block on my card. To rectify the issue, all I had to do was speak to the fraud center, verify that the transaction wasnt fraud and my card would be active again. I spoke to the fraud center and they told me that theres no block on my debit card, and that I would need to speak to Axos customer support. I called Axos again, and they told me that the fraud center did in fact place a block on my debit card. The back and forth, speaking to the fraud center and Axos Bank happened 3-4 times, and no one was able to give me a reason why this happened, and how to correct the issue. 

I went to bed and reviewed my account around XXXX XXXX  on XXXX. My debit card is still in a suspended status. Ive called Axos customer support again, and theyre giving me the same response ( the fraud center has a block ), and that theyll need to transfer me. It is currently XXXX XXXX XXXX  on XXXX, and Ive been on hold, waiting for the fraud center to pick up for 20 mins now.
Consumer complaint received 2024-01-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AL)

On XXXX the XXXX XXXX  direct Express let multiple transactions come off my card to a company in XXXX  XXXX, XXXX XXXX and XXXX XXXXXXXX. The XXXX was XXXX, XXXX XXXX was XXXX, and XXXX XXXX was XXXX I tried contacting direct Express multiple times finally got in touch with them and got merchants info and contacted merchants confirmed that those weren't my accounts i sent conversations to investigations dept and i was told i couldnt do anything about it so how these transactions were even able to be processed i dont know cause my physical card was in my possession the entire time and im not the only person they do these kinds of things to so in the month of XXXX i was robbed by direct express and i was almost put out of my apt and i had to do without toilet paper food couldnt pay my lights and water and direct express kept telling me it's not their fault and i couldnt do a thing about it
Consumer complaint received 2024-04-16
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I zelled XXXX XXXX @ XXXX {$500.00} on XX/XX/2023 for XXXX tickets. His ad I found on XXXX. He had me create an account on the XXXXXXXX XXXX app. He asked for the members of my familys names and ages going to XXXX. He also asked for email address and password once I created the account. He told me I could use generic password like XXXX as I was concerned giving him the actual password I used when setting up XXXXXXXX XXXX  account. 

I was communicating with XXXX he wanted to be called XXXX on a different number from him zelle account @ XXXX. When we arrived at XXXX our tickets which looked really legit were places in the XXXX XXXX app. They had our names of my family and the date we were going to the park. XXXX also had me add them to my mobile wallet on my phone. Everything seemed pretty real but the tickets wouldnt work when scanned at the gate. I tried several times as instructed by XXXX XXXX yes he was actually in contact via phone/text the whole time ). Finally after talking with XXXX XXXX XXXX they informed me the ticket I had provided and they scanned barcode from was flagged as using fraudulent/stolen credit card. I informed them I bought the tickets through a guy on XXXX. Unfortunately they were not able to honor the tickets without physical proof of the credit card used to purchase which I obviously did not have. 

I opened a dispute with my bank about the {$500.00} zelle transaction and it was closed without any action being taken. Now fast forward to XX/XX/2023 I woke up to see XXXX XXXX transactions made from XXXX XXXX on my checking account. Ive never been to XXXX XXXX as I live in Ohio. I disputed the transactions immediately with my bank and they said they were associated with my wifes debit card which she has had in her possession the entire time. 

My concern is that with my email address and zelle information ( which is my phone number ) all of which are linked to my checking account with XXXX this scammer is now able to link all this stuff up ( like XXXX ) and possibly more and steal from me.
Consumer complaint received 2023-11-27
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. (TN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/ my checking account got hacked for {$2600.00}. This individual somehow added themselves to my XXXX account as a recipient and was able transfer this unauthorized transaction to there account. I immediately called Wells Fargo and started a claim. When I called my bank several days later to get an update they let me know the claim was closed and it had been denied. I went into my bank to actually speak to someone in person, they told me I needed to contact XXXX and they gave me that phone number. When I reached out to XXXX they told me there was nothing they could do for me. Then on XXXXXXXX XXXX XXXX I got a text from ( XXXX ) that the same individual was requesting {$1500.00}. This situation is very stressful and I would like it resolved and to get my {$2600.00} that was stolen from me.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Upgrade, Inc. (GA)

To whom this may concern, Upgrade credit card has moved my credit limit every 2 months down to what I owe them. I have paid my bills on time every month. This has affected my credit rating with me paying higher interest rates. I had a {$16000.00} credit limit and they have moved it to {$7000.00} to what I owe them. Please help with situation. I think this bank is causing a lot of people problems doing what they are doing by keeping people at exactly what that owe to bank. This as I stated would basically ruin your credit rating!
Consumer complaint received 2023-12-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

This is a general public benefit complaint not just for me. 

Department Stores XXXX XXXX and Macys XXXX have a store credit card. Macys also has a loyalty program called XXXX XXXX. If you purchase any item they issue star points which can expire ( and they remind you to use it ). However if you return an item they do not refund the full amount back to you if you have used XXXX XXXX. They deduct something which is a loyalty reward ( that no one asked for in the first place ). This is misleading and disingenuous.
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I am writing to dispute the inaccurate data being reported on my credit report, referencing account number XXXX by XXXX XXXX XXXX 
How it should report / Why it's inaccurate : I am disputing the below collections on my credit report, because I have verified with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX that these bills were never billed to my insurance company, XXXX XXXX XXXX XXXX within the timely filing window. I am not liable for this debt, and these accounts need to be removed from my credit report because they are being falsely and accurately reported as my liabilities to pay. 
$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Supporting documents have been enclosed, which is a snapshot of my bill from XXXX XXXX XXXX, account # XXXX which show that my {$1700.00}, {$100.00}, {$79.00}, AND {$66.00} charges were not billed to my insurance company. 

Additional info : I called XXXX XXXX XXXX XXXX on XX/XX/18 at XXXX, and verified with representative named XXXX via XXXX that XXXX XXXX XXXX is an in network provider and did not bill XXXX XXXX XXXX XXXX for this claim, until XX/XX/18 which is outside the timely filing window. 
XX/XX/18 : Spoke with XXXX from XXXX XXXX XXXX XXXX, at XXXX XXXX via XXXX and confirmed that they declined the claim since it was filed outside of the timely filing window. Sent me via email my EOB which shows I am not liable for this debt. I also received a copy of the claim that was submitted late by XXXX XXXX XXXX which was denied because they filed my claim outside the timely filing window. 

I attempted to follow up with XXXX XXXX XXXX and was told that despite the above info, in order to remove the debt from collections, I would have to pay the debt, according to XXXX with XXXX XXXX XXXX. See below correspondence : " From : Billing Questions XXXX To : " XXXX '' XXXX Date : XX/XX/2018 XXXX XXXX PST Subject : RE : Request from XXXX Account # XXXX Dear Sir/Maam, Our office has received the attached email concerning your account inquiry. To have the account removed from collections, the charges must be paid first. Please reply to this email or contact our office at XXXX ( XXXX ) XXXX with any further questions or concerns. Thank you for your attention in this matter. 

Sincerely, XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I charged XXXX to my Citibank credit card on XX/XX/. I did not receive the service/product from XXXX. XXXX, issued 2 credits to be applied to my citibank credit card as a result. The first for {$240.00} appeared correctly on my citibank statement on XX/XX/. Citibank never processed the second credit of {$470.00} which you can see by the attached email from XXXX that XXXX acknowledges they sent the credit to Citibank on XX/XX/. 

I have formally disputed with Citibank that the credit never appeared. The first formal dispute was filed on XX/XX/ with this evidence. Citibank credited my account, then applied the charge back to my account for a net {$0.00} credit. 

I then disputed the lack of credit again via phone cases where I was promised the credit of {$470.00} would be applied on the following consecutive dates : Dispute # XXXX : XX/XX/ Dispute # 3 XXXX Dispute # 4 : XX/XX/ Dispute # 5 : XX/XX/ Through these various disputes and calls Citibank indicated they used a 3rd party dispute agency which indicated I did not provide enough evidence that the credit had been sent by XXXX despite the direct evidence ( email from XXXX ) from XXXX to the contrary. I reminded the Citibank agent that on the original dispute I provide an actual email from XXXX on XX/XX/ indicated they had sent the {$470.00} credit to Citibank on XXXX. See attached evidence. 

Therefore I am still owed a credit of {$470.00} that XXXX sent to Citibank yet Citibank will not apply my merchant 's credit to my account. 

Please advise,
Consumer complaint received 2023-12-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Credit States that we need to pay XXXX. No communication was given that we had a collection or owed anything. We moved out in XX/XX/XXXX and JUST found out on XX/XX/XXXX that my fianc and I owe XXXX. We left the apartment clean and sanitized, no odors, no defects besides the one the apartment maintenance had left. Left the apartment complex due to untreated pre-existing black mold and spores growing on walls and ceiling. The only thing maintenance did about it was make a big hole in the wall to stop one of the pipes from leaking because that was the source of the black mold. Which is something they are making us pay for. Making us pay for the carpet in one bedroom where the hole was made and the black mold was infecting the floor underneath. Saying that we have to pay for the carpet removal and replacement because of that. The first week we moved there we turned on a ceiling fan in the guest bedroom and the fan broke the blades completely fell off the fan, almost as if the tenants before had broken it and just set the blades in it. We paid for new fan blades out of our own money after notifying the front office, now they are charging us to replace the whole fan because of this. My fianc and I have months of proof asking for the black mold to be investigated and fixed and it never did, now we are being asked to pay for everything they broke and infected because it didnt get fixed and when we kept emailing about the pre existing black mold I got ignored by the apartment managers. I even had my mom try to reach out because at a certain point I started getting sick and they were ignoring my requests. We also have proof of the black mold state under the floor and in the tile of the bathroom and the walls. We have pictures of the mold from the maintenance tearing up the floor and tile while we were still in the apartment. Remind you that all of the problems that we are being asked to pay for were pre-existing problems that were there before we moved in and we moved out due to a lack of management initiative to fix these problems, all they did was pour bleach on the mold, and put holes in the walls. They then put new flooring over the bleached mold this made the mold 3x worse due to the fact that you arent supposed to put bleach on black mold because it could help it grow back.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 

They have failed to reply promptly or not at all. 



I will attach the last letter I sent to this company along with proof of receipt
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I HAVE BEEN DISPUTING AN OLD CHARGED OFF ACCOUNT THAT WAS SOLD BY XXXX XXXX TO A COLLECTION AGENCY THAT SUED ME AND WE SETTLED THE DEBT IN COURT, IN EXCHANGE THE COMPANY AGREED TO REMOVE THE COLLECTION FROM MY CREDIT, BUT THE ORIGINAL CREDITOR STILL REPORTS IT, NOW ITS ALREADY 7 YEARS OLD, ALL OTHER CREDIT BUREAUS HAD ERASED FROM MY CREDIT BUT EQUIFAX REFUSES TO ERASE IT EVEN AFTER MULTIPLE DISPUTES, ACCOUNT # XXXX XXXX XXXX AND EQUIFAX KEEPS REPORTING, THIS IS MY LAST ATTEMP TO RESOLVE THIS MATTER, IF NOT REMOVED I WILL TAKE LEGAL ACTION.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

Attempting to contact Rushmore Servicing customer service at phone number listed on statement XXXX. 
It is impossible to reach a customer service representative using this phone number.

Systems auto attendant will not provide any options to speak with a human as the system did not have my S.S. Data it would not allow me to get to a live agent even when I used my loan number. This company
needs to add a prompt as there may be other consumers who have concerns outside of the allowed prompting system requiring them to get human assistance. This is a terrible situation and can impact a consumers ability to resolve matters and cause delinquency and credit related problems. This needs to addressed to protect the consumer access to their accounts. Thank you for your consideration regarding this issue. Have a great day.
Consumer complaint received 2023-12-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NV)

My driver license and mail was stolen in XX/XX/XXXX  at my home in Nevada. The criminal opened 3 cards in my name in California. I froze my credit, took the necessary steps to call the companies and report fraud. All cards have been removed and cancelled except for Barclays/ Old Navy card. 

They refuse to close this fraudulent account. I received generic reply letters from the company saying my account is in good standing. 

I have never been to XXXX, California. XXXX is where the account was opened. I have called multiple times reporting fraud. 
I may have to seek a lawyer to remove this charge since Barclays/ Old Navy will not comply.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

I opened up an account at M & T bank because this is the bank my wife banks at. I started the account with {$50.00}. The banker stated on the account that I was unemployed. I told him I didnt work in the XXXX XXXX as yet because I recently moved over but I still receive income from my XXXX job. They blocked the account a few days after I opened it. They told me I logged in from more than one device. I told them I did log in from more than one of my devices and I think I have the right to do that. I have been in the bank to try and sort the issue no help no results they kept telling me to call the fraud department when I called the fraud department they told me they cant do anything I have to go into the bank I recently transferred {$130.00} dollars to the account by mistake because the card is on my XXXX XXXX and now I have no access to my money they are saying I have to wait until someone reaches out to me Ive been waiting for a very long time with no results. I dont understand why this is happening in the very first place.
Consumer complaint received 2023-07-25
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. (CA)

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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-09-02
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 sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to any third party party. 

These are clear violations of my federally protected consumer rights.