davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I received multiple calls from Citi bank about suspicious activity on my account and that I needed to call them to verify charges made. I called them and confirmed that my account was compromised and that the card needed to be destroyed and new ones issues. I spoke to 3 different people who assured me that the account was locked and new cards were going to be sent my way and I would receive them in 3 days. I reviewed my account today XX/XX/XXXX and more charges were made. I immediately called Citi and I spoke to another person who confirmed that the card was not cancelled and that in fact nothing had been done. At this point I was livid as I spent over an hour handling this with the agents and nothing was done. She then told me she also couldnt do anything and that a manager needed to call me in about 24 hours. No call has been received and my account is still compromised and nothing has been done to prevent further fraud on my account. This has been failure after failure in account security and regulation Z of the federal reserve board violation.
Consumer complaint received 2023-11-15
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. (NY)

I had a identity breach in my business account with XXXX. And I'm finding more things reporting on my credit that are not my debt. For example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) For the amount of {$71000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) For the amount of {$5600.00}. 

XXXX XXXX  XXXX XXXX, GA XXXX Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX For the amount of {$4000.00} As well as hard inquiries from different companies like. 

XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-20
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. (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.

Account Name : XXXX  XXXX Account Number:XXXX 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 2023-04-22
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. (NM)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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, TX XXXXXXXX XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (MI)

I just recently looked at my credit report on XX/XX/XXXX. I noticed ( ONE ) late payment on XX/XX/XXXX that was supposed to be on time reporting. I had a direct conversation and talked about " I wouldn't be marked late because I had a financial hardship during the Covid 19 Pandemic. I sent a letter directly to TransUnion in hopes of having this fix. I was told that EVERYTHING is reporting correctly, but it is not or hasn't been corrected. Would you please help me with this situation. This one late payment affected me being qualified for being approved for a VA housing loan. Please understand, it is one just one late payment. As you view my payment history attached to this complaint. It will show that even after that 30 day late payment on XX/XX/XXXX. Thereafter EVERY single payment was made and reported paid as agreed. 


Thank you
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

hello back on XX/XX/23 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-01-25
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: DISCOVER BANK (FL)

On XX/XX/XXXX i received a letter by email from Discover credit card stating that they will continue to deny my claim case # XXXX. The claim for a service i purchased at USPS that included tracking but the tracking to track my package never worked online. So the service by USPS was never provided. I submitted this evidence to Discover. I contacted Discover back in XX/XX/XXXX to dispute the charge but Discover denied my claim stating that there was no sufficient claim. I initiated a reopen of the dispute on XX/XX/XXXX and they on purpose lost the paperwork and failed to honor my dispute. So on XX/XX/XXXX I submitted the paperwork again. Today XX/XX/XXXX I got a letter that my claim has been denied for the same reason. I believe I have sufficient reason for this dispute to be resolved in my favor but Discover does not want to honor my claim and I have noticed this more lately. Discover will not follow up on claims or honor disputes. This is happening more often even if the evidence is in my favor and the merchant has agreed to give me a refund. The claim is only for {$22.00} the charge I paid for tracking service but never received the service. Is not a big amount but Discover will deny a claim when they feel like they don't want to solve it and will continue to deny it and are hard headed. I think they are violating some regulations for customers and that is why i am filing this complaint. While other cards for being a great customer will give you a credit on a dispute on a courtesy, Discover will not even give you a cent. They are not like XXXX XXXX or other credit cards in the market.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (TX)

Between XXXX and XX/XX/ Robinhood allowed fraudulent charges to my spending account. I was in the hospital and my wallet was stolen. During this time, Fraudulent charges occurred at what appears to be a casino in XXXX, OK. My phone and wallet were both stolen from the hospital. These charges range from XXXX to XXXX, to XXXX to a XXXX restaurant. These facilities were located in another state over 4 Hours from my home address in Texas. All of these charges occurred in OKLAHOMA. I reported this once I was able to exit the hospital, I took a look at my charge list and see charges to this facility. I immediately reported the card as stolen, and reported the charges as unauthorized as soon as the system would allow me. Robinhood denied my dispute telling me I didn't provide relevant information. Even though I advised I was in the hospital at the time and these charges are not from me. I did not sign any receipt. The pin number was stolen with the wallet which was written down on paper. Robinhood was aware of that when I reported these charges. Additionally my phone was stolen at the same time, and I had to obtain a new phone. None of these charges were ever signed nor authorized. Which I explained to Robinhood. I was in the hospital in XXXX, TX. This merchant is in Oklahoma. Over 4 Hours away from my hospital. I again do not do business with this merchant. Robinhood requested further documentation which I am providing an FTC Identity theft Affidavit. Robinhood also told me I need to provide them proof of a credit report or a credit pull during these transactions. Yet Debit transactions have NOTHING to do with Credit. These are Fraudulent Withdrawals and transactions. Again, I did not physically make any of these transactions. These are fraudulent withdrawals and fraudulent transactions to a facility over 4 HOURS AWAY. In another state. I do not believe robin hood conducted a proper investigation and I am owed a refund for unauthorized charges. I did not sign any receipts nor provide my information to this merchant or merchants. I had previously scheduled Apple pay deposits around this time, I did not PRE SCHEDULE ANY of these fraudulent charges. Again I was in the hospital in a procedure at the time of these transactions. I have provided attached an FTC Affidavit and this is a legal consumer statement of the fraud. Robinhood needs to conduct a proper investigation and provide me refunds to these UNAUTHORIZED Charges. As required by the EFT ACT. I am not responsible for unauthorized charges.
Consumer complaint received 2023-11-15
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. (TX)

15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party.

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.

The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option.

Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX my credit report.
Consumer complaint received 2023-04-22
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. (NM)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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, TX XXXXXXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXXXXXX Balance : {$290.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$740.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC (TN)

I called Cash Express in XXXX TN on a recorded line on Wednesday, XX/XX/XXXX to revoke ACH authorization for both my account and my husbands as I was his POA. My husband called to confirm it was revoked on XXXX XX/XX/XXXX and they confirmed. They were also informed I was filing bankruptcy and collection efforts were to be stopped as I had retained an attorney while my husband tried to make payment arrangements for his loan but he was told he couldnt and they would simply take him to court. Today, Monday XX/XX/XXXX, they ACHed the checks from our bank account in XXXX separate charges for {$260.00}, {$260.00}, {$230.00}, and {$230.00}. We were charged XXXX {$32.00} overdraft fees as well.
Consumer complaint received 2023-04-07
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. (PA)

online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2021 ( XXXX XXXX XXXX ) dealership and bank ( Ally ) misrepresented contracts to me and stole my identity to secure a funds & a security interest in a my title by way of pretending to loan me {$36000.00} of the banks actual money when in fact they never did loan anything that's was close to there's rather then create money without documentation of the debit or credit of a loan to or from me to bank in their ledger or book keeping all without a valid contract dealership never signed original contracts with me and ally bank never signed any loan or contract with me either Also due to unfair and fraudulent practices during transaction my finance charges were added up in my amount financed section which is a violation of my truth in lending rights along with manipulating me to believe that I could not get the car without giving them {$6000.00} cash down payment
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit Card Company closed my account and placed a charge off on it. I was nerver billed for any outstanding balance. I reached out XX/XX/24 to see if I could retify this issue. I offered to pay the balance on the account if the charge off would be removed and state paid as agreed. I didn't request a deletion as there is only one small amount that's due, otherwise the account has a perfect credit history. I would like to keep this account if the chargeoff is removed as it would help my credit score. 

Account ending in XXXX
Consumer complaint received 2023-07-10
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. (CA)

Hello, I received a inquiry that I did not authorize from XXXX on XX/XX/29. I called her TransUnion to inquire about why I would get a random hard credit pull on my report. They told me to email the company so I emailed them but they did not respond. Please investigate and remove the credit inquiry. Thank you
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (MO)

When I reviewed my credit report once more, I discovered that the information was erroneous. The credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$6000.00}.
Consumer complaint received 2023-04-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
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: Experian Information Solutions Inc. (CA)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXX XXXX XXXX