davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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: U.S. BANCORP (CA)

XX/XX/XXXX Received late payment-due notice from Elan Financial Services . I didn't recognize the card number ending in XXXX. Discovered later it was a card issued to me in XXXX from XXXX XXXX XXXX. I never activated the card and cut it up. According to Elan rep, XXXX, he said it looks like a replacement card issued in XX/XX/XXXX. To verify my identity, XXXX sent a text message to the phone # they have on file for the card. I never received the text because the number they have is XXXX ( he wouldn't tell me the whole number ). Area code XXXX is a Florida number. I have lived in XXXX CA my whole life, I only have XXXX area codes on every phone I've had. XXXX said it looks fraudulent and he would send it to the fraud department to investigate. Said I should expect a follow up in the mail. I was never contacted about the fraud investigation- only received more late payment notices. 


XX/XX/XXXX XXXX open letters/statements from XXXX XXXX XXXX XXXX I discover I started receiving statements for activity on this card in XXXX. I don't open things from XXXX in a timely manner because I don't do any transactions with XXXX except to let XXXX IRAs sit there. I see the card was being used in XXXX from XXXX, XXXX, XXXX. I've never been out of the XXXX, I've never had a passport. 


XX/XX/XXXX I visit my local XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and talk to XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. She is very helpful and offers advice including filing a report on XXXX. The next day I send her XXXX, XXXX XXXX, XXXX, an email expressing my appreciation for her help. 


XX/XX/XXXX I file an Identity Theft report on XXXX. Report # XXXX. 


XX/XX/XXXX Not hearing anything I called Elan again. I was told that the fraud investigation was closed and it was " not found in my favor. '' I asked why I was never notified and was told that a letter was sent to me. I dispute that claim ; I definitely open anything from Elan as soon as I see it. I was given the name and phone # of the investigator and the case # : XXXX, XXXX, ext. XXXX, case # XXXX. I called and left a voicemail for her to call me back. Never received a call back. 


XX/XX/XXXX Interesting timing, after I call and ask to speak to the investigator assigned to my case, I receive a Settlement Program Offer of 65 % of the current balance. Balance is {$10000.00} ; settlement is {$6700.00}. These are clearly fraudulent charges. I will not settle for charges I never made. I'd like to know what sort of investigation they did to determine that I'm lying. What investigation took place that shows I went to XXXX and used that credit card? I've never left the country in all my XXXX  years of being on earth -- I've never had a passport. How could they do a full investigation without interviewing me?
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2024-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

We signed up for the XXXX XXXX & at the end of the period, Carrington demanded the full balance due. Four pymts plus fees & interest & stated if we didn't pay in full, foreclosure would be processed. We did a loan modification in order to keep our home & set up autopay payments bi-weekly. They canceled our autopay because of one nsf. Now we can't make a pymt on the website or the app. We've also had issues with Carrington and credit reporting. I made requests to have it fixed but nothing was ever done. Now our mortgage doesn't show on our credit report. We recently discovered that they placed a partial claims mortgage to the HUD. We made pymts every two weeks & funds were not applied to out account. Stats show they were allocated to " unapplied funds ''
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-08-10
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. (GA)

I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I requested the said consumer reporting agency REMOVE ALL ADDRESSES, PHONE NUMBERS, DATE OF BIRTH and NAMES that do not match my CURRENT DRIVERS LISCENCE I requested these items be DELETED/UPDATED well over 30 DAYS ago this is a direct VIOLATION OF THE F.C.R.A! DUE TO NO RESPONSE I have proof as well as receipts from the post office as well as the documents that were submitted
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MD)

Opened a joint account at US Bank with one of my parents to make funds transfer easier and as a just in case measure for while I was XXXX. Nine months later I return to find that US Bank has been tanking my credit because all the money was gone and I owed them. Turns out the bank had linked someone elses debit card to my account. After learning this, and after them reversing the charges, I closed the account. Even after knowing the issues was theirs it took years for me to get them to correct this with the credit bureaus. 
Now 14 years later I try to open an account with my wife and am told there is an earlywarning report. After receiving this consumer report I find out that 14 years later, US Bank started charging me for insufficient funds and after racking up {$110.00} in fees they closed the account and reported it to earlywarning as fraud. I was forced to pay the {$110.00} dollars so that I could get this negative report cleared and they have not given me any documentation for this second closure. As seen on my credit reports, US Bank reported the account closed 14 years ago and no other account is shown on my credit report since or even now.
Consumer complaint received 2023-10-09
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. (GA)

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023, I discovered I was hacked when my card was declined trying to make a purchase. I then checked my account and saw the transactions. Although notifications were turned on, Capital one didn't notify by any means of any activity, including suspicious activity. I never got notice about any returned check. 
They refuse to refund me, and closed my accounts against my requests. I provided all the proof I could including the police report. The person who was using my bank account, which we don't know who it was, was cashing multiple {$700.00} checks into my account which then bounced, leaving me at $ XXXX in my checking account. Capital One refuses to help me and instead took money out of my savings account without my knowledge or permission to pay back the debt I was put in by the hacker. I am being held responsible and am being punished when I am the one who was hacked and I have spoken to about a dozen different representatives, supervisors and such from Capital One and no one has been willing to help me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (NY)

Indigo kept on sending me mails about my missed payment instead of sending paperless notifications which I kept requesting them to do. Additionally, instead of calling me from a registered customer service number they were calling me from multiple odd numbers. Obviously due to security reasons I did not respond or provide my SSN info. 

Then they reported my missed payments to the credit bureau. I requested a courtesy removal since my account is in good standing and due to lack of communication at their end several times. They denied my request stating that since these are valid notes, they can not delete them from my credit report as per policy. As an attorney and a company investigator, I did my due diligence to find out that they have extended this courtesy to other customers and deleted information reported to the credit bureaus. 

This is absolute and blatant discrimination and such practices should not be allowed. I requested them to provide a letter in writing that they have not extended this courtesy to other customers in the year 2023 but they refused to provide the same. I will have to take this complaint to the courts and file a discrimination complaint.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (UT)

Delete Hard Inquiries 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. 
Th US. nts slow a se vi. States nave 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 ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, payment not late account XXXX.
Consumer complaint received 2024-01-04
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 (VA)

Received a prepaid American Express card for XXXX with a {$220.00} balance on it. I checked to make sure there was a balance on the card on their website and it confirmed there was {$220.00} available. Whenever I try to use the card on any website it automatically declines the payment method, however, it takes XXXX out of the card every time I try to make a purchase. I've tried using the card on multiple sites including XXXX, XXXX, XXXX, and XXXX XXXX. None of them work.
Consumer complaint received 2024-04-18
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. (CA)

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. 

The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

XXXX XXXX book states that my car was only worth it like XXXX after a repossession from the vehicle and it was sold at auction I still have an {$8000.00} bill on my credit
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXXXXXX  I logged in to my Venmo account that I have used to store my money for years. I logged in with someone else 's wifi hotspot because I was on the train. Venmo then decided to totally suspend and freeze my account without explanation. Contacting them achieved nothing. They told my I could only 'reinstate ' my account by email and had to wait at least 2 weeks to get a response. I received an email from an automated system on XX/XX/XXXX to send a picture of my id. I did this immediately. I got the same email copy pasted by some fake XXXX XXXX  that is also clearly automated asking for the same information on XX/XX/XXXX. Again I did exactly as they asked. On XX/XX/XXXXXXXX  I received yet another email requesting the same information again. They are clearly using an automated XXXX XXXX to hold my money. I have done absolutely nothing out of the ordinary with my account except log in with a hotspot. They have frozen my account and refuse to help me, dragging their feet at every turn. Looking up reviews it seems in the last few months this has started happening to people constantly. Random account freezes for no reason and little to no recourse to get it back. All of my money is in this account. I desperately need to pay bills and I'm away from home right now. If I do not get access to my money again soon I will be stranded with no way home. Please help me.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit 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. (PA)

I got a call from Wayfair stating a charge of {$1900.00}. Was used to purchase carpets and sent overseas. I did not make this purchase so they reverse the charge. While investing they found it was actually sent to a " charity '' and because of that, they could not get the money back so I am responsible for the charge. I am XXXX  and on SSI. They set me on a {$35.00} / month for 58 months at 0 % apr. This is still a hardship. It was a very well played scam but they will not reverse the charges.
Consumer complaint received 2024-04-17
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (FL)

Dear I am writing to express my deep concern and dissatisfaction with the service provided by Wise. On XX/XX/XXXX, my account was abruptly closed without any prior justification. At that time, the account held XXXX and {$91000.00} USD. 

Since then, I have encountered significant difficulties in recovering my funds. Despite providing all the correct banking details ( directly from my bank 's website, without errors ), Wise repeatedly claims that the details are incorrect and, consequently, has failed to process the return of my funds. This situation has been ongoing for almost a month and is placing my company in an extremely delicate position. 

I reiterate that the banking details provided for the fund transfer are correct, as verified and confirmed by me. The lack of an effective resolution and clear communication from Wise has caused substantial negative financial and operational impacts on my business. 


Sincerely,
Consumer complaint received 2024-04-17
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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, de XXXX {$960.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (TX)

I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with Plaza Services, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P&B Capital Group, LLC (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with P & B Capital Group LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-04-18
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. (CA)

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Transunion for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collection Service Inc (GA) (GA)

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.