davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (OR)

I had unauthorized funds taken from my account. As soon as I noticed, I tried to file a dispute via there app, but these transactions did not give me that option, so after 2 days of calling I finally was able to file a complaint on the phone with an agent. I disputed the charges which were {$500.00}, {$500.00}, {$200.00}, {$100.00}, and there were 5 charges in the amount of {$20.00} each. These transactions were made on XXXX. XXXX, I reported them on the XXXX  of XXXX. The bank cancelled my card, and marked the charges as disputed. I asked for provisional credit, and the agent laughed and said they don't do provisional credits, if the dispute was in my favor I would get a refund at that time, and then went on to say the bank had 45 days to investigate my claim. I told them that the transactions showed the money was taken by XXXX XXXX, via XXXX XXXX. And considering that I don't even have a XXXX XXXX, or even have that app on my phone, it should be easy to see I did not make those transactions! 
This is a lot of money, and I couldn't afford to be this long without it! Looking at the declined transactions this person tried to get money off my card in several different transactions as well. You can tell it is fraudulent just by that alone! My dispute was denied immediately. I filed a police report on this person and they are still under investigation at this point. I have called and called customer service trying to get this figured out, they wouldn't give me any answers other than " it's being investigated. Then all of a sudden they froze my account which I believe had {$120.00} still in it. I called to ask that it be unfrozen and they wouldn't! And after that they were demanding that I send a pic of my ID and a selfie with me holding my ID for every call. Well my ID was stolen right around the same time these transactions were made for one thing, and for another I had not had to do this for the previous calls to customer service prior to this. Because of this they said they could not talk to me! I sent in a pic of the card the police officer gave me with the case number on it as well, and the bank never even changed it from denied back to disputed! 
Today I went online in hopes that their investigation had been completed and in my favor, just to find that they closed my account, and also kept the funds they had frozen! This is really not ok at all! I did nothing to cause this and I am being punished for some criminal stealing from my account!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-30
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

RE-Citi /advantage executive world mastercard account. 
Without our prior permission our account was changed to paperless billing. We did not receive a XXXX statement. I eventually realized and called Citi bank on XX/XX/XXXX. I asked them to change our billing back to paper statements, send a copy of the missing bill and waive the interest and late fees. They agreed to do that. I also paid the outstanding balance using check by phone at the end of the conversation. 
When I got the following months bill, they had not waived the interest charges. I called them and they then said they would only waive {$100.00}, and not the full amount of {$160.00}. They also told me the paperless billing was requested on XX/XX/XXXX. This was the day my family were at the zoo- so I know that no-one requested paperless billing that day. 
It is unethical to charge an interest fee when the customer has not received a bill. 
It is also unethical to change to paperless billing without the customer 's permission.
Consumer complaint received 2023-12-15
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history.

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter.

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my disappointment, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. With this, I am asking for your assistance to remove these fraud items in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX 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 2024-04-30
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. (MA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$110000.00}
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I had disputing this account with XXXX XXXX XXXX  multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account XXXX.I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Consumer complaint received 2018-03-21
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 XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue
Consumer complaint received 2024-06-15
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: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to  attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. 
I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX  XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-01-16
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. (MD)

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (VA)

I am writing to file a formal complaint against Flagstar Bank regarding the mishandling of my loss mitigation application. My spouse and I have encountered numerous difficulties in completing this process, despite our diligent efforts and compliance with all requested documentation. 

Here is a summary of the situation : I received XXXX XXXX of XXXX ( XXXX ) orders to relocate in XX/XX/XXXX. Consequently, my family relocated to fulfill these orders, putting our home on the market the same month. Regrettably, as of XX/XX/XXXX, our house remains unsold, leaving us unable to meet our mortgage payments. 

Recognizing our financial strain, we submitted a loss mitigation application to Flagstar Bank in early XXXX of XXXX. Despite our prompt action, we received notification in XXXX that our application was incomplete. Subsequently, we promptly provided the missing documentation and confirmed receipt with the lender on XX/XX/XXXX. 

However, to our dismay, on XX/XX/XXXX, we were informed that our application had been terminated due to missing information. Our designated single point of contact assured us that she would forward the necessary documentation to the processing department for reconsideration. This assurance proved to be in vain, as subsequent attempts to follow up on the status of our application were met with unhelpful and rude customer service agents. We were advised by the lender to submit a new loss mitigation application, which we did in XX/XX/XXXX. 

This pattern of miscommunication and mishandling persisted with repeated requests for documentation and contradictory information regarding the status of our second loss mitigation application. Despite our consistent efforts to comply with the lender 's requirements, we were notified on XX/XX/XXXX that our second application was still incomplete, despite having already uploaded all requested documents. On XX/XX/XXXX, we spoke with several representatives that stated our application was incomplete and advised that we should submit a new application which is totally unacceptable. 

Throughout this ordeal, we have diligently maintained copies of all documentation, correspondence, and screenshots of our account and application status, providing irrefutable evidence of our compliance with the lender 's requests. 

The impact of this situation on our family has been profound. I appreciate your attention to this matter and trust that you will conduct a thorough investigation into our complaint. Thank you for your time and consideration.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Chapter XXXX Bankruptcy Date XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-04-30
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} Chapter XXXX Bankruptcy Date XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-04-30
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$890.00}