davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NE)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

I contacted Citibank about 58 charges made to my credit card account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charges were made by a XXXX XXXX XXXX who DID NOT HAVE PERMISSION to use my card to purchase online games.

I communicated with Citibank through their online interface, through fax and phone starting XXXX XXXX  (when I first noticed the charges on my statement). (This wasn't a card that I used. I had the payment on auto-pay, paperless billing until the promotional balance was paid in full.)

Yesterday, XXXX from Citibank called to say that they were not honoring the dispute because I didn't make the dispute in time, I paid the balance of the charges in XXXX, and that I couldn't prove that my XXXX XXXX XXXX  made the charges without my permission. 

- I first disputed the transactions on XXXX XXXX and continued to attempt to communicate with Citibank agents. I was routinely passed to different departments who said I would need to contact different departments. One number that I was given was even disconnected.
- I paid the balance of the charges in XXXX because Citibank was not responding to my claim and they were continuing to charge my account interest.
- I did not give my child access to my account nor permission to use the card for XXXX, let along 58 charges totaling over XXXX dollars in just over one month.

There are 58 charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   for digital goods-games. I did not make these transactions to XXXX  nor did any authorized users on my account make these transactions.

I've tried on several occasions to communicate this issue to Citi including by fax. I would like these charges reversed and my account fully credited.

Transaction IDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 2021-03-09
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. (FL)

Please pay attention to the fact that I have item reported in my credit profile. This item is reported only by Equifax that's super strange. I do not know this account and I ask you to check it and manage investigation. Somebody used my personal information or its just error in reporting but anyway I do no like it and I ask you to delete it immediately. Thank you for understanding
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXXXXXX Number : # XXXX 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.
Consumer complaint received 2023-08-11
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. (PA)

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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)

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX, XXXX, & TRANSUNION are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX  per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (FL)

I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from Sam 's. Which result in a big drop in my credit score
Consumer complaint received 2017-05-03
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. (TX)

There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :   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 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX sent my balance to collections. Veteran affairs was supposed to cover the cost of that semester through the GI bill. I cant control what, when XXXX how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Consumer complaint received 2023-08-11
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. (DC)

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.

has violated my rights. Or 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 2023-08-11
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. (MI)

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

My name is XXXX XXXX and I am a XXXX of XXXX XXXX XXXX XXXX XXXX International XXXX. We are a 501C non-profit organization based in Florida. Every year, we hosted a beauty pageant event and in order to be able to compete in our beauty pageant, a contestant must submit and online application and pay a {$500.00} application deposit. 
The full entrance fee is {$2000.00} which cover the contestants foods and hotel cost during the pageant week. On XX/XX/2023 a contestant submitted her application fees in the amount of {$500.00} through XXXX. After subtracting XXXX service fees, the total amount available to us is {$470.00}. When I logged into my XXXX  account, I submitted all my formation document, my bank account statement and my ID as requested by XXXX  in order for them to verify our organization.

Today I received an email from XXXX stating that they are closing my account and the funds in my account will be on hold for 90 days. I dont understand why they closed my account. I never have any charge back or conducting any illegal money laundering activities on my account. I am a legal XXXX XXXX and I paid all my taxes annually. Our organization is a 501C non-profit organization. I need to know the specific reason why my money is on hold for 90 days and the specific reason why my account was closed.
Consumer complaint received 2023-03-05
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: Block, Inc. (CO)

On XX/XX/2023 a purchase of {$150.00} was made on what I learned later was a fraudulent website ( XXXX  ). 

There was no confirmation received and items were not received. The email listed on the site isnt valid XXXX, and the address listed was to a mall in Maine which the store isnt a vendor at. 

I disputed the charge to cash app on XX/XX/2023 when I realized the website was fake. 

On XX/XX/XXXX I received an email from cash app stating : We have received your request for documentation related to your dispute. 

Please find the attached documentation that Cash App relied on to determine the outcome of your dispute claim in case number : XXXX. 

Were unable to provide any additional support regarding this claim and no further action will be taken. 

We appreciate your patience and cooperation throughout the dispute process. 

I opened the attached document that the email claimed contained the details leading to the denial and it stated : Dear XXXX, XX/XX/2023 Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case number XXXX. 
For your reference, we have included a summary of the transactions from your account that helped to determine our decision. 

The information only contained the charge and date of charge and the website it was charged to. No other information. 

I would like a refund for the fraud charge and the documents of investigation-if one was done.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Per 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 this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 that no consumer reporting agency may make any consumer report containing the following items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

My friend used Cash App to send me . XXXX. The money was sent to me XXXX XXXX XXXX. My cash app account name is XXXX XXXXXXXX. The money was sent on XXXX/XXXX/22 at XXXX XXXX XXXX XXXX. It was sent by XXXX XXXX her name for the service was XXXX XXXX. The money was received by them the ID transaction is # XXXX from XXXX XXXX. 

I have been trying to get this money placed into my bank account for two days. I have not been successful. I contacted support to get the money placed into my account or send it back to her. They refused. I have been talking to them for four hours. They were telling me to do things that were not available for me to do. 
I then asked them to place the money into my bank account which was registered to them as the place for me to receive money. In addition, I could place it on a debit card. I had a problem with my card, and I had it canceled. 

I am writing you this XXXX XXXX XXXX  XXXX because I am in a financial emergency. I am overdrawn at my bank. I owe my car insurance and am trying to hold on to a credit card before it is canceled. My friend tried to help me and temporarily fix my problems. I am due to start work but not until the new year. I do not even have money to go to work. That is what this money was for. It is not lost. they gave me some completed procedures that I do not know how to implement via my phone and told me I had to wait 14 days to get the money back. I don't have 14 days. Where is the {$200.00} dollars sent to them? How can they keep her money for 14 days? I just want the money back. Why are they illegally making her do a short-term loan before they cancel the transaction and give her the money back? We have purchased nothing from them. How can they hold her money?
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank has been offering money to open a checking account. I opened an account online with them and linked my Credit Union account after they verified XXXX deposits and XXXX withdraw. I then sent {$1200.00} to my new Huntington account to meet their requirements. After they withdrew the money from my Credit Union, they did not deposit it into my new account, now the money is missing ... it is in neither account. They tell me three days before anything happens. This is a ruse ... where is my money? How many others are they doing this too and using patrons money in a slush fund. This is XX/XX/2017 and transfers are immediate, where is my money? I have been at my credit union for over 30 years and my credit score is over XXXX. Why is Huntington bank doing this to me?