davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid 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. (CA)

On XXXX XXXX 2023 I made a purchase of {$390.00} for an item I never received ( XXXX XXXX XXXX XXXX ) on my XXXX  citi visa signature credit card. Company name was XXXX XXXX XXXX XXXX. Now the web site they were selling on doesn't seem to exist. 

I filed a dispute as soon as I checked up on the " shipping link '' they sent which was a dead link and they had a european address and I could not contact anyone. Until this day I have never received anything. 

Today I received a message from my credit card citi bank that my dispute was denied and Im losing the {$390.00}. 

What can we do?
Consumer complaint received 2023-12-13
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (AZ)

My Cash App account has been closed. Its making me create a new account and my account no longer have exists. I have over {$7000.00} in my account and thats literally my whole savings. I desperately need that money. Please help
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TX)

AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.
Consumer complaint received 2023-12-13
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. (PA)

I am writing to inquire about the status of my previous letters, sent via mail and the Consumer Financial Protection Bureau ( CFPB ), regarding the reinvestigation and removal of disputed negative items from my credit report. 

To date, I have not received any resolution or response from your department concerning my request for the removal of inaccurate and misleading accounts. I have consistently brought to your attention the following accounts that, according to my understanding, should not be present on my credit report :
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

GM financial has added property taxes to our lease bills for personal vehicles leased by our company. We have requested copies of these supposed bills multiple times and GM financial has stated they do not have the ability to produce them. 

We have researched with the state of Texas and our county and they show no bills due. They have also stated that there is no taxes assessed on vehicles used for personal purposes. GM financial is aware that the vehicles are for personal ( non-revenue generating ) use as we have signed affidavits them. 

They have gone so far as to charge us for a vehicle that was turned over XXXX years prior. 

My questions is, are they required to produce copies of these " pass-through '' bills before requiring that they be paid?
Consumer complaint received 2022-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (VA)

Cashapp has hadn't account locked since XXXX XXXX @ XXXX Now as of XX/XX/2022 @ XXXX I received an email saying it was unlocked, but My account say as of XX/XX/XXXX @ XXXX the issue was resolved, But yet my account is still locked I have received the email stating it was unlocked but they yet to do so I want my account unlocked to receive my money and then deactivate it. Asap.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-13
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. (MO)

the FB & T/MERCURY CARD was placed in forbearance for 12 months with no payments and no interest. this was beginning XX/XX/XXXX until XX/XX/XXXX this was due to medical issues and my inability to pay the account.
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I still never heard back about my dispute for the {$64.00} Membership Fees XXXX on XX/XX/XXXX at XXXX XXXX cash app support told me they escalated my case XXXX and someone will email me back about my dispute no one ever got back to me yet my cash app tag is $ XXXX I want y'all to fill the dispute for me and credit my account back.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (FL)

Someone had broken into my van and stole my wallet and Cellphone. They used a Discover credit card, maxed it out use what little information they had received inside my wallet concerning the discover card as far as cash advance pin number, my Social Security number, date of birth after they used the card and maxed it out, they called the creditor, pretending to be me, and requested that the card be closed, and a new one be issued due to fraud, they had a new card sent to a different address that was not on file and the creditor honored the thief request after contacting the creditor who held me responsible for the charges I filed XXXX police reports with XXXX XXXX XXXX XXXX department, and a complaint with the FBI Bureau of investigation in XXXX XXXX, Florida I provided copies of all reports to discover bank experience, XXXX and XXXX credit bureau. XXXX credit bureau removed it from my credit report but the fact that I had the police report an FBI number, but Discover card refused to accept the police report and sent documentation to XXXX, informing them that the account belong to me and that I am responsible XXXX  had informed me to reach out to your company for support she XXXX. I have made several attempts in the last few years. They had discovered understand that I am not responsible for the fraudulent charges that were made on my first account. It was their fraud department, who had screwed up. They close my first account that was requested by the perpetrator, and re-issued a new card with a new account that was not authorized by me nor requested, all credit cards were sent to a vacant lot by XXXX who said that they do not ask questions they laid the package in the middle of a field and walked away and this is documented on a police report. I am not responsible for these charges. I received no money, no goods and I have been trying to inform Discover that their people who handled this matter were a bunch of idiots. and thats also documented on a report.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Urgent Complaint Against PCA Acquisitions V , LLC and XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX for Fraudulent Lawsuit and Debt Collection Dear Sir/Madam, I am seeking immediate intervention from the Consumer Financial Protection Bureau due to a lawsuit unjustly filed against me by PCA Acquisitions V , LLC , with legal representation from XXXXXXXX XXXX XXXXXXXX XXXX XXXX . They claim I owe a debt for XXXX XXXX credit card accounts, which were evidently opened fraudulently under my name without my authorization. 

I have reported this identity theft to the XXXX XXXX Police Department ( police report number XXXX, filed on XX/XX/year> ). Despite my efforts to resolve this through legal channels, I am now facing legal action from PCA Acquisitions V , LLC, as represented by XXXXXXXX XXXX XXXXXXXX, aiming to recover the alleged fraudulent charges. 

This lawsuit threatens my financial stability and credit reputation. I request the CFPB 's help in investigating these aggressive and damaging collection tactics, and in addressing the misuse of my personal information in obtaining credit. 

Enclosed are copies of the police report, the lawsuit notification, and communications from XXXXXXXX XXXX XXXX XXXX XXXX. I urgently need your assistance to address and rectify this distressing issue. 

Thank you for your prompt and thorough attention to this serious matter. I look forward to your support in resolving this issue in accordance with consumer protection laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-13
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)

In accordance with the Fair Credit Reporting act 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was exposed during an XXXX XXXX XXXX. XXXX removed the late payment account on XX/XX/2023. XXXX XXXX entered the account and blamed it on the creditor. My information was compromised and led to unauthorized charges on my XXXX account. I have disputed this account with the credit and XXXX with no results.please see XXXX claim, and etc report regarding this account. this account does not have my accurate name. this account is unverifiable and late payments are not to be reported due to leak of my personal information
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I went on USAA 's website to get my account number. It was not available. I downloaded my credit card statements and none of them had the account number on it in full. the middle 8 digits are " x '' out. I attempted to chat online with customer service. They used an AI chat bot which provided incorrect instructions to find the account number. I asked to speak with a representative and it tried to connect me and failed. I called their customer service number and the automated call management system refused to connect me with a representative.
Consumer complaint received 2023-12-13
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. (FL)

This account has been removed already before and I wasn't notified by the company or anyone from that creditor that it will be back on my credit report and They SHOULD'VE NOTIFIED ME as it is a violation of the Fair Credit Reporting Act of 1681N!
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

We have bought XXXX cards which has CVV and expiry date and balance dollar values. I checked the amex link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. 

We have attempted to use this websites and some local stores where Amex cards are accepted and the transaction is getting declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards since it has loaded actual cash value plus the fees.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

A month or so ago, I had 2 Cash App cards issued to me, arriving on the same day, without my having ever requested them. It look several hours of my time and 2 XXXX  complaints to get confirmation that the accounts were closed. The company does not have a dedicated call line to get the issued resolved. 

To my great annoyance, a new card arrived today. I have no interest in ever having a product of this company associated with my name.
Consumer complaint received 2018-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (WI)

Got a loan for {$2500.00} with expectation of paying off early. Have made several large payments on loan including a payment of {$1900.00}. Expressed to the company I needed the principal balance paid down to pay the loan off because of unexpected things that came up and need to be free of loan. They put the {$1900.00} toward interest and said the interest on the loan was fully paid. The {$1900.00} along with {$880.00} ( extra and over payments ) along with regular payments equaling {$1800.00} you would think would bring the balance down, but no. There is still a balance of {$1300.00} and that balance keeps going up. I have already paid {$4600.00} on this loan. I know the longer I have the loan that number will go up, which is why I am desperately trying to pay it off early. 
How is it the interest is paid in full but we are still getting charged for interest. 
Also, I received a letter stating if I bring my account current ( I missed a couple payments last month ) then they will also credit a payment to my account to help. The letter was addressed to me personally, but I was told it didnt apply to me. They used the large payments to cover those missed payments. How are they using that {$1900.00} to cover missed payments when it should have already been applied to my account. So they sent me a false letter. Its as if they are purposely keeping me from paying this horrendous loan off. 
And why when I pay on the principle on the loan, the balance is not going down to where it should be? 
My wife has also called and made several payments ( which includes the {$1900.00} payment ) on my behalf. Now they are refusing to take payments. I once again gave them permission to talk to her about my account And make payments. They still refuse. Why is it she could make payments before and can not make payments now. 
This company is making it impossible to pay off this loan. As with any other loan, when I make over and extra payments the balance goes down and I can pay it off, but with this company, it will not work. 
I cant keep doing these almost {$500.00} payments every month and this loan should have been paid off by now or at least under {$500.00}. Definitely not {$1300.00} and rising daily. 
I also have recording of my wifes conversation with the company refusing to take a payment after I gave them permission. Also, if they can not take a payment from her, then what do we do about the money/payments she made previously? Do they credit those payments back to us? ( They did however, take them from her without me, using my credit card ). 

These types of loans should be illegal!!!!! These companies should not be allowed to do this!!!
Consumer complaint received 2023-12-13
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-13
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. (CA)

Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against XXXX XXXX. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time. 

They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts. 

I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.