davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

XX/XX/23 : tried to activate new Direct Express card from a phone other than what is listed on my ssa application, recording said information not valid, this put a suspension on card and i had to send an email with ID so direct express could verify my ID. 

XX/XX/23 : -Did n't hear back and forgot it wasn't activated. 
-tried to use in Store to make purchase and was declined. 
-called customer service ( at the ONLY number listed anywhere for them ) ( 75 mins until I spoke w/a person ) : -the agent confirmed I'd was verified. 
-the agent activated the card and lifted the suspension off of the card said everything, including PIN were " good to go '' XX/XX/23 : -tried to use the card at the store and it was DEINED AGAIN! 
-called customer. Serv. That agent told me the card was not activated to call back and activate it through the automated system. 
>tried several times only to be transfered to cust serv after the 2nd attempt. 
-2nd call, same agent, says it needs to " reset '', to try again after XXXX. 

XX/XX/23 : XXXX : tried activating again after XXXX, same thing, " information unvalid '' and, again, after 2nd attempt I get forwarded to an agent who forwarded me to a " next level agent '' who told me the ONLY way to activate card is through the automated system, that there absolutely was nothing he could do for or tell me. 

If Direct express won't help me access my money what can i do to get my money out of their bank? 

The customer service dept is failing everyone that depends on them. 

The phone # only allows one to activate or report a theft/lost of a card. And after 2 attempts, sends one to an agent automatically, who then tells you the card can ONLY be activated through the automated system. What this means ; since the system keeps not recognizing my information I clearly can not activate the card nor use the card. So if Direct Express can not assist me in accessing the card WHO CAN? and what can I do?
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-11-07
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. (HI)

Since 2015 I been requesting an investigation from XXXX XXXX trans union regarding my consumer report Via credit repair services. For years now I been subjected to inaccuracies, miss information and errors on my consumer reports due to the credit bureau. Title15 USC 1681 ( 3 ) protects my right to consent and privacy. Credit bureaus do not have written consent to report anything regarding me nor do they have my permissible right.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Complaint Regarding Identity Theft and Fraudulent Account Account Number # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of identity theft and a fraudulent account that has been opened in my name. I believe this incident is a clear violation of consumer rights, and I request your assistance in resolving this matter. 

In XX/XX/2017, I received notification from XXXX, a major credit reporting agency, stating that I was a victim of their criminal cyberattack that occurred in XX/XX/2017. It was revealed that unauthorized individuals had gained access to my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive details such as driver 's license and credit card numbers. 

As a result of this breach, my identity was stolen and subsequently used to open a fraudulent account with XXXX XXXX XXXX I have never had any association with this financial institution, and I can confirm that the account in question does not belong to me. 

The impact of this identity theft has been significant and has taken a toll on my overall well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I have experienced as a direct result of this incident required me to seek medical treatment. I believe that XXXX 's negligence in safeguarding my personal information and their failure to prevent unauthorized access to their systems have caused me substantial harm. 

I have taken immediate action to mitigate the situation by contacting XXXX XXXX XXXX  directly to inform them of the fraudulent account. However, I am now turning to the Consumer Financial Protection Bureau for further assistance in resolving this matter and seeking appropriate remedies for the damages I have suffered. 

I kindly request that you investigate this case thoroughly and take appropriate action against XXXX for their failure to protect consumers ' personal information. Additionally, I urge you to support me in resolving the fraudulent account with XXXX XXXX XXXX  promptly and ensuring that any negative impact on my credit history is rectified. 

Enclosed with this letter, please find supporting documentation, including copies of relevant correspondence and any other evidence that can aid in the investigation and resolution of this matter. 

I appreciate your attention to this complaint and your commitment to upholding consumer rights. I look forward to a prompt response and a favorable resolution to this distressing situation. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-11
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: DISCOVER BANK (IL)

On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX.
However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error.
Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it.
So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost.
Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. 
.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MI)

1.I have never had an account with this company COMENITY BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america said on XX/XX/2023 that my deposite of XXXX $ would have hold placed on it ..they stated in the bank at teller that XXXX $ would be accessable on XX/XX/2023 and rest of XXXX $ would be accessable on XX/XX/2023 but when i checked and asked live chat on my bank app why i cant access my funds they told me now check has hold untill XX/XX/2023 all of it cant be accessed untill then? This check is from a wildfire settlement fund of upwards of XXXX XXXX dollars ... all it takes is 10 minutes by phone to verify my funds..the money is there they r just playing games on me... i need my funds asap i have a kid and we lost all we own in fire we sleep in tent the money needs to be accessable asap so we can get into a house!!
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-14
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. (MD)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} ; XXXX XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX XXXX violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violations of several laws under The Fair Credit Reporting Act. 


XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (OR)

Borrowed {$500.00}, from fineday loans, an online loan company., XX/XX/. XXXX understood payback terms. Called XXXX  several times before first payment was to be paid, XXXX XXXX. Difficulty understanding companys customer service people, and difficulty understanding the terms of the pay back terms.I was told that a {$110.00}, was due on the first month of the payback terms, XX/XX/. Talked to several different customer service people, and could not get an payback term I could understand. Was kept being told, I could pay back the whole amount borrowed, plus interest, that payment arrangements were very confusing for me. I paid them thru my bank account on XXXX XXXX, {$110.00}. Talked to their company today, and was told. {$220.00} paid to them on XX/XX/XXXX, and that on XXXX XXXX, my balance woujld b e {$460.00}, and than in XXXX, my balance would be $ XXXX. Was told if I paid {$110.00} a month for 12 months, i the loan would be paid off. So confused, and know that the interest is like a theft. Coujld I please get some help or undersgtandin g of this type of mess I am in.
Consumer complaint received 2023-01-26
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard or remove them from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NY)

I received a letter from bill from Medicredi which positive Ive never heard of the medical facility. Ive never had any medical treatment with them so on XXXX I send them a letter requesting information to verify and show proof that I was a patient at their medical facility. They ignored my request and wrote me back and told me they did an investigation and it was determined that aI owed them {$3100.00}. and another bill for $ XXXXAs a result they didnt send me what I requested nor did they send me results from their investigation. I would like to see a full copy of their findings I have also reached out yo my health insurance provider and they have no itemized payment request from this company. My provider also asked this company for verification and they havent been able to provide itemized receipt of these debts they claim I owe.? please see attached letter mailed to them on XXXX.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on Transunion its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (TN)

1. Account was opened and funded with {$5500.00} initial deposit under the Business Checking Account promotion for the Tailored Business Account ( which will be attached below ) on XX/XX/XXXX. There was a link I clicked and no other offer code or value to enter anywhere on the online application.

2. Offer prerequisites of maintaining a minimum daily balance of at least {$5000.00} for 3 month duration were completed on XX/XX/XXXX. I received no interest during these 3 months. 
3. I called and the agent confirmed that the disbursement of the offer should occur in the coming days. ( representative XXXX XXXX on XX/XX/XXXX. 
4. Wrote secured message to XXXX, on XXXX XXXX who denied that the offer has been applied and I had to go into the branch to talk to a manager, despite having been told otherwise a week prior.

5. Call customer service to clarify on XX/XX/XXXX, and escalated to supervisor who was unable to provide any resolution other than provide an apology.
Consumer complaint received 2023-05-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had my credit report sent to me while I was XXXX  with the XXXX XXXX XXXX XXXX from XXXX until XXXX, during that time frame someone created a account with XXXX # XXXX open date XXXX using my identity to with out my knowledge or consent. As you can see the account was created while I was XXXX, and I couldnt possibly create it. I sent XXXX XXXX, trans union, XXXX, and XXXX a letter stating the same thing with copies of United States district court order of my self surrender sedated and signed by a federal judge for the date of XXXX, also enclosed a copy of my discharge date which is XXXX Im currently in a XXXX XXXX XXXX still in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. What Im asking is for this to be removed and blocked I have a XXXX police report # XXXX also reported to the FTC report # XXXX I clearly proved this wasnt me and they claim its verified which is impossible cause I was in the custody of the United States government during that time frame. Please delete from credit report. Thank you