davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

My Citibank account XXXX has been locked for months now due to a fraud Alert. I have called Citibank customer service to clear this alert several times from my phone number on file. XXXX. Citibank said they sent a verification code to my phone number but i never received it. Then when i asked them to resend the code they said my phone number isnt verified in the system and asked me if i had another number, which i dont. They also said they mailed me a reference number to my address on file yet i never received it. I even visited the branch with my ID and they didnt unlock it. This is absolutely ridiculous. I need my account access restored immediately, i still have my debit card in my possession. No one else has access to my account. I have already verified that all transactions and account activity was made by me! Please unlock my account immediately and clear the fraud alert so that i can use my account again. 

XXXX XXXX Ssn : XXXX DOB : XX/XX/XXXX  Phone : XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NV)

My additional card holders credit card was stolen he went to check into a XXXX property and noticed his card was missing he immediately notified me and I contacted Comenity bank to inform them of this information as I logged into my online account waiting for an agent at Comenity I saw that the card was being utilized fraudulently. I informed Comenity bank that ALL the charges on my account are fraud as XXXX nor I made any of them and his card is clearly missing. I was advised temporary credits would be placed on the account and the charges reversed. This still has NOT happened. A statement has now generated and Im being asked to pay for these purchases. I am not paying for purchases that were not mine. His card was STOLEN! Comenity needs to remove these charges immediately.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

PLEASE SEE ATTACHMENTS FOR FURTHER DETAILS OF COMPLAINT CKS PRIME INVESTMENTS LLC filed a meritless lawsuit against me without providing any valid proof of a claim or a binding contract with my signature. I have no connection to the alleged debt they sought to collect, and their failure to participate in arbitration led to the court 's dismissal of their lawsuit, the courts also denied their motion for default judgment. Moreover, they damaged my creditworthiness by accessing my consumer credit report for debt collection purposes and damaging my character and reputation as a consumer.
Consumer complaint received 2022-12-08
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. (CT)

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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-09
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-04
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. (MN)

I am a victime of ID Theft and I contacted Transunion mulitple times to remove this fraud inquiries.

I provided Transunion a police report listing tne inquiries as well as a FTC ID Theft Report. Transunion referred me to the companies who submitted. But according to XXXX  Credit Reporting Act, when I customer reports ID THEFT on information on their credit report and they provide police report and FTC ID THEFT that information is required to be blocked. 

FRAUD INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have a fraud alert on my credit report as well
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been customer with Bank of America for over XXXX  years. The economy and interest rates has impacted our familys budget. Approximately XX/XX/XXXX we were notified by Bank of America without warning our checking and savings accounts worth {$10000.00} were to be closed and money would be returned but would not tell when. My wife tried to cash {$9000.00} inheritance check around XX/XX/XXXX and Bank of America has been holding check funds to present. The withholding of funds has impacted our ability to buy food, pay mortgage and service a construction loan to build a new home which may impact my credit rating. This seems to be a cold hearted business decision.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called the cure at XXXX XXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas governor drained it. Her name is XXXX. XXXX XXXX drained 10 accounts every month that fill up with money from solcial sercurity these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my dna curing the covid 19. i need some one to investagate these accounts and who drained them. thank you XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I visited a night club in XXXX XXXX. I was unaware it was a scamming business. I purchased only a XXXX XXXX which costed around XXXX USD. I was tricked into thinking that I was only being charged for this XXXX but once I handed my credit card over to the merchant at the restaurant he charged me over XXXX dollars. I didnt realize until I got home and I submitted a claim through Wells Fargo and they were unable to resolve it so it went to arbitration through visa. Visa sided with merchant and now Im stuck with this charge when I was completely scammed. I informed my bank that if you go on the XXXX reviews for the night club all of the reviews are calling them scammers and saying that they have done this with multiple people. I believe visa did not properly investigate this claim because this business is a complete scam.
Consumer complaint received 2023-06-11
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: JPMORGAN CHASE & CO. (CA)

I am filing this complaint because JPMCB has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-10-04
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. (NV)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

When I graduated from XXXX XXXX inXX/XX/XXXX with a XXXX XXXX XXXX Degree, I as advised by my loan servicer ( not sure if it was Navient at the time ), I did not have to repay loans because I was still a student. At this time, I enrolled in and was accepted into a graduate program at XXXX XXXX. No customer service representative ever offered any advice on repaying the loan, loan forgiveness or interest accruing as the result of non-payment. At this time, my outstanding loan balance was approximately 10-12k.

Upon graduating with a XXXX Degree from XXXX XXXX in XX/XX/XXXX, I began paying student loans with standard repayment plan of approximately $ 200-225 per month. At this time, by outstanding balance and repayment amount stood around 40k ( 10-12 for undergraduate, XXXX for graduate tuition and the remaining in interest ).

After approximately two years of payments, I suffered a financial difficulty and began paying sporadically, but bringing my account current when I could make the past due amounts. I was contacted by Navient and offered forbearance, which eliminated my payments on a year-to-year basis, provided I reapplied every summer with my tax return. Each year, a customer service representative informed me I qualified for a XXXX-dollar repayment plan. No customer service representative ever offered a low-dollar income-based repayment plan. My profession at the time involved XXXX XXXX where I later found out paying consistently for ten years, at my original payment ( 200-225 per month ) would have eliminated my remaining loan balance. Therefore, paying {$200.00} per month for ten years, would have paid back close to 24k of the loan.

As of today, XX/XX/XXXX, .my outstanding student loan balance repayment is {$67000.00}. My current minimum balance due sits at {$640.00}. My account sat in forbearance until XX/XX/XXXX, when I started making minimum payments once again to Navient. When I began making minimum payments in XX/XX/XXXX my outstanding loan sat at around {$68000.00}. To date, I made six payments totaling {$3900.00}, to reduce my loan balance less than {$1000.00}. I pay on four different loans, two subsidized and two unsubsidized.

Due to Navients predatory lending practices, I am less marketable as a consumer because my credit score is affected by my inability to pay at certain times, when best customer service practice suggests I should have been steered towards loan forgiveness based upon my employment in XXXX XXXX. Had Navient followed proper channels, I would be year nine of ten in my loan forgiveness program. Second, I recently attempted to refinance my home but was denied citing specifically my outstanding student loans destroyed my debit to income ratio. Therefore, due to Navients negligence, I can not position myself as a consumer and single-father of XXXX  boys to most cost-effectively provide for my family.
Consumer complaint received 2022-12-09
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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: Experian Information Solutions Inc. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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: EQUIFAX, INC. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX XXXX Synchrony Bank allowed and over {$5000.00} charge to go through. ( Can photos upon request ). I immediately called the next day when I saw it to report obvious fraudulent changes. I had to make 2 calls send pictures of my ID take a video of myself to even file the complaint. Meanwhile on the call filing the complaint I learn they allowed someone to just easily call in and access my account, personal information, and change my address to an entirely different state and get access to charge with my card. What kind of messed up securit is this? Someone can just access and change my address but to report what is so obviously a suspicious charge that they allowed to go through because they just allowed someone to change my address with no issues..??? What the actual???? 
They said not to worry I would not be responsible and it would all be taken care of. 
Meanwhile XXXX weeks later, my payment due went from {$79.00} to over {$230.00} for XXXX because of the fraud charges they had not fixed and still have not fixed. They did not take my autopaymwnt out that is set up and charged me a late fee. I have called in 3 TIMES and go absolutely nowhere! Its even impacting my credit score that has now dropped because it shows me over my credit limit on this card by almost {$3000.00}!!! 
Do 1- they allowed someone to change my address and access my information 2- charging me interest in it and still are 3-allowed what appears very obviously a fraudulent like charge to go through for a very large amount ( over XXXX ) that would cause a cardholders account to go overdrawn almost {$3000.00}!!! 
4- failed to take autopsy out increased minimum due because of huge balance and then charged late fee 5- still opting is fixed 6- now negatively impacted my credit score All of this is ground for a lawsuit which I do plan to likely pursue as well but this all needs to be fixed, fees returned, XXXX fees reveresed and someone can reimburse me for all my wasted time and stress on this matter. 
I mean how are you even considered a reliable credit card company. 
These are HUGE ERRORS AND I MEAN HUGE!!!!!!!!!!
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX