davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently wrote to XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX  XXXX  continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2023-10-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I called the number listed ( XXXX ) for My Banking Direct ( Money Network ) to request a replacement debit card and I was told that the card was already used, and I was helped with submitting a dispute. 

I kept calling the Money Network since they told me that they do not notify users. 

Back on XX/XX/2023, I called in to check on the dispute status ( which was filed in early XX/XX/2023 ), and I was asked to provide the documentation that shows the debit card for the Middle Class Tax Refund card was stolen, so I emailed the letter ( to XXXX, as I was told ) from USPS showing that the debit card was stolen and the the piece of paper holding the debit card was returned to me early XXXX. I was attaching the same document again in this appeal. 

I was told the claim was unsubstantiated when I called them to follow up again on XX/XX/2023. And I was also told that they never received my email or my documentation. I was told that I can appeal this decision. I was told to email XXXX including the word " Appeal ''. 

I appealed the decision that the dispute over the stolen debit card was denied for a very strange reason on XX/XX/2023. 

On XX/XX/XXXX, I called them again and I was told they don't even have any appeal email from me. So they denied my initial dispute due to their negligence and repeatedly ( intentionally or accidentally ) didn't even receive or at least started processing my appeal. 

As a victim of the mail fraud and stolen tax refund ( refund amount is {$700.00} ), I am supposed to be the one receiving help, but instead, that company ( and their fraud investigator ) obviously didn't do anything to help people in need of help and didn't provide any other way for me to continue getting my refund back.
Consumer complaint received 2017-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have been making payments on my loan for 5 years. The numbers do not add up when I do the math and I tried calling them many times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to multiple people over the phone and then tried to chat and still no help. We just went around and around. I told them I was going to have a company look into how much they were charging me and they quit responding to me. I just kept making my payments until this month when they charged me over {$200.00} in interest. I have a pretty good log on payments and balance and just want a clear and transparent explanation of why I am being charged so much. Please help! Thank you.
Consumer complaint received 2023-01-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 2023-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

A civil suit is being filed on a XXXX XXXX XXXX debt. I first heard of this via my roommate on XXXX XXXX.They didn't contact me, by either address or phone but called my roommate leaving personal information about this debt which I have no knowledge of. I call back the number left on roommates phone and it's a lawyers office in XXXX XXXX ca saying they tried to contact me at an old address and my current address but nothing ever came here. I explain I don't know what they're talking about and ask for documentation for this so called debt. She tells me it's like a criminal complaint and they don't have to tell me anything. They are hired by there client who they won't tell me who that is and all I got as far as info was the debt was originally from u.s .bank in 2006 and was sold to a debt collector. I don't know what there talking about and I've received nothing in writing so I don't know where to send a dispute or how I'm suppose to find out a court date...
Consumer complaint received 2023-05-27
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. (GA)

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2023-05-27
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00}, XXXX  Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (SC)

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
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (AZ)

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

Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 : 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 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica (FL)

Someone set up a Debit Express Card in the beginning of XXXX with my name on it. 
They notified Social Security to send my check to the card instead of the direct deposit that was always in place. 
When the money was sent they took it. 
I reported this to the FTC on XX/XX/XXXX. Report # XXXX. 
I contacted SSI when I found out my check wasn't deposited in my account and they told me about the Debit Express Account. 
I contacted Debit Express and they said someone established a account in my name and had the card sent to them. {$2100.00} was withdrawn. 
Direct Express sent me a card minus fees. {$57.00} was on the card. XXXX XXXX at Social Security told me to see what the balance was and to send back the card, which I did. 
Now in XXXX I get another card from Direct Express. 
I did not order one and have no intention of ever using anything from Direct Express. 
I tried to call the number on the card to cancel this and called the Fraud Line number which I had from before. There is no way speak to anyone in Customer Service.
Consumer complaint received 2023-05-27
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: TD BANK US HOLDING COMPANY (LA)

I filed a Credit Card Fraud Questionnaire with Target Card Services on XX/XX/XXXX. However, Target continues to report this account as delinquent with the Nation 's 3 credit bureaus, the only delinquent account on my credit report, and they are still actively pursuing collections from me. My XXXX Credit Score was XXXX on XX/XX/XXXX. Due to this one small fraud account, my XXXX is now XXXX. I respectfully demand that Target 's derogatory reporting be rescinded so that my credit score may return to " VERY GOOD '' These are NOT my charges, my ID was stolen and an account was opened in my name.
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

I have a debt collection that's reporting on my credit for a company that I did not authorize nor grant permission. The account was originally opened on XX/XX/2018 for a creditor that I have no knowledge of by the name of " XXXX XXXX '' in the amount of {$2500.00}
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OK)

On XX/XX/2024 i made 2 payments to XXXX from my credit karma account, XXXX canceled and refunded the payments. The payment amounts were XXXX and XXXX XXXX processed the refund XX/XX/2024 i have yet to receive the funds, when i contacted credit karma they said the funds never left my acct however my balance reflected differently i also have notification from credit karma that the funds were removed from my spending account and if the money was never taken from my acct then where is it cause that means i didnt spend the money
Consumer complaint received 2023-06-05
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

On XX/XX/2023, I went into a local PNC bank branch to discuss my CD with over {$13000.00} dollars in it. I had received a letter stating that the XXXX was maturing on XX/XX/2023. I was initially going to reinvest in another XXXX with a higher interest rate. The funds were visible on my PNC app and in my account from the bankers view. When the banker attempted to move the funds, she received an error message. I then said to forget the new CD, I wanted a cashiers check and I would take my money to a competitor. 
I had already had several issues with PNC in the past including difficulty with communication and CD with an automatic rollover being send to esheatment without my knowledge. It took several weeks to get my funds reinstated, and when it was reinstated, I did not have the option to remove my money, as it was just put into another XXXX with a very low interest rate. I have been receiving monthly statements for this current CD from PNC, with no indication there was an issue. 

On XXXX, The banker stated that she was not allowed to withdraw the funds due to an error message on the computer. She called a helpline and spoke to several people. After about XXXX minutes, she stated there would not be a quick resolution and took my phone number saying she would call me back. I did not receive a call back, so I called the branch the next day and spoke to the assistant regional XXXX. She stated that my situation has been escalated to IT support and they will be reaching out to me. 
Later that day, got a voicemail from PNC retail support stating that there was a glitch in the system. After attempting to call the retail support employee back multiple times, she finally answered, and explained The CD department is saying the funds are not eligible for release and to contact the esheetment department. The esheetment department was saying the funds have been released from their side and should be available. She would call me back when she heard something. I insisted on an update either way the next day. 
I had not heard an update as of XXXX the next day, so I called the retail support employee and she stated that she heard from both departments, but they were both stating the same, going back and forth saying the issue lies with the other department. 
PNC bank continues to refuse to allow me to withdraw my money, and close my CD despite the fact that the money is clearly visible and the XXXX has matured. Both the branch employees and the retail support agent clearly acknowledged multiple times that I have ownership on the entire amount listed in the XXXX, and am entitled to withdraw it.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-08
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)

I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, 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. (NJ)

for some reason I have 18 to 20 unknown inquiry 's on XXXX, XXXX. and Experian credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.