davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (GA)

I had a Citibank Checking Plus - Which is an overdraft protection in XXXX. I closed the account around XXXX. The balance I believe at that time was $ XXXX {$400.00}. Citibank continued to take out automatic payments out of my account. 

I have been paying those automatic payments for over 13 years. I havent gotten a statement in many years. I was closing my credit card today and wanted to see the balance of my checking plus, I was puzzled why I still even had an account open, even if it was the minimum payment due. The gentleman on the line told me I owe {$530.00}! I said that is impossible, I havent made one charge in 13 years. 
They told me they stopped sending me statements years ago and they can not see my transactions because my account is closed. I stated how can you not see my transactions when you automatically take money out of my account for 13 years. 
I was transferred around several times to no avail. They would not close out my account. This is an erroneous error on Citibank and I have now paid over {$2500.00} on a supposed {$530.00} amount that never deteriorates. I would like this account completely closed. I also want to make a complaint since they were siphoning money from me for years. I do not want this to happen to anyone else.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-13
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I filed a dispute with my bank XXXX XXXX XXXX XXXX because my debit card was stolen and used to make several transactions on cash app. I filed this dispute with my bank XXXX XXXX. I have called into cash app support number and I havent received my money back or adequate information of when I will be receiving it. I have been calling none stop.my bank has told me that the have initiated the fraud claim The amounts that were stolen {$400.00} {$450.00} {$500.00} {$1200.00} {$2000.00} {$1500.00} {$1000.00} {$150.00} {$18.00}
Consumer complaint received 2023-08-23
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (DC)

On XXXX my Bank ( Truist ) emailed me a notice of Suspicious activity on my debit card ending in XXXX. I called them to confirm it was XXXX. They killed the card and sent another card to me by mail. I never received the replacement card. 

On XXXX my Bank send me another notice of Suspicious activity on debit card ending in XXXX. This card is the replacement card for the other card ending in XXXX. 

I called the fraud department XXXX and there were 14 fraudulent transactions on my account with the XXXX-card totaling {$4200.00} that were done on XXXX. 
They told me that they killed my card, and they will reissue another card. They told me all of the 14 transactions were pending, and I would have to call back when the charges cleared my bank to start a claim. I called back when the charges cleared to start the claim. They told me that they would do an investigation. 

I got a response from the bank saying that the claim was denied. 
Come to find out whoever set up my initial claim # XXXX put in the claim that I was in possession of the card, which is false. I never did receive the card. So, when I received this information, I called the fraud department again to have them change the claim paperwork. I have called several times in the following weeks, many times not getting through to them at all. Finally, I got in touch with them, and they said the claim was denied. How can they deny the claim if they are the ones telling me about the suspicious activity? 
I never received this card! There were several transactions at merchants who have surveillance systems. They never once reached out to these merchants to look for any proof, so they did no investigation at all. 

I filed a Police report with the XXXX XXXX  Police Report # XXXX Financial Crimes Unit XXXX sent email to XXXX Have not gotten an response back from them at all. 
I would like for them to check the surveillance activity on this day at these merchants to prove It was not me making these purchases. 

I want to be reimbursed for all of the fraudulent charges. {$4200.00}
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Since XX/XX/2023 I have monitored my credit score with transunion I believe they are intentionally holding down scores to keep interest rates up. 
I had one account balance increase and my score dropped XXXX  points no other changes.

Then on a day several days later I had 5 accounts that the balances decreased and one collection removed and my score only increased XXXX point that is a large disparity in the rise and fall of credit scores. THIS IS NOT AN ISOLATED EVENT. IT HAPPENS OVER AND OVER AGAIN. ARTIFICIALLY HOLDING DOWN SCORES TO KEEP INTEREST RATES UP. THE SAME EVENTS ON THE OTHER SITES CAUSED 50 POINT INCREASES THE EXACT SAME EVENTS WITH NO OTHER FACTORS OCCURRING.

WHY DOES 1 BALANCE INCREASE LOWER MY SCORE 10 TIMES MORE THAN 5 BALANCE DECREASES RAISED IT. THAT IS AN UNFAIR AND COSTLY DISCREPANCY AND IT HAPPENS CONSTANTLY WITH TRANSUNION AND WHEN I CALLED SEVERAL TIMES THEY KEPT SAYING THAT OTHER FACTORS WERE INVOLVED BUT THOSE FACTORS WERE FROM DIFFERENT TIMES AND AREADY HAD BEEN FACTORED IN THIS IS BLATANT AND ILLEGAL MANIPULATION OF SCORES TO KEEP SPECIFIC PEOPLE FROM IMPROVING THEIR CREDIT RATING AND RECEIVING THE BENEFITS OF A BETTER CREDIT SCORE
Consumer complaint received 2022-11-25
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. (FL)

These companies have violated my consumer rights as stated in 15 u.s.c. 1681 sections a, b, and c. Creditors have no right to false report information to the credit bureaus. Below are accounts that holds false statements. 

XXXX bank account XXXX stated that my balance is {$370.00} and still reporting account is late payment.This is false information the account is closed and I should not be paying any monthly amount to an account that is closed.also the account is a secured account that is my money that I funded the account with.Discovery never gave me an unsecured line. 

XXXXXXXX XXXX XXXX  account XXXX stated I had a balance charge off for $ XXXX never open an account with XXXX bank XXXX XXXX 

XXXX XXXX bank account XXXX stated my account is still open and this is false.My account with self is now closed.XXXX XXXX should report closed.not open. 

XXXX XXXX XXXX account XXXX stated I had a auto loan balance {$3000.00} when I paid them in full.
Consumer complaint received 2023-06-06
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. (CA)

There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with XXXX, but it directed me to call them instead and I did on Monday, XX/XX/2023. XXXX started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023 I make a purchase at Beyond the Soap Beauty Ba at XXXX XXXX for the amount of {$64.00} and another for {$160.00} after the second purchase me and my wife was advise the because our purchase was over {$200.00} dollar we where allow to participate in a program the store offer call before and after in this program you get six ( 6 ) facial treatments with a facial machine at the store and they gift you {$350.00} in facial products by only authorize the store to take photos of your face fir advertising as we accept during my facial procedure with the machine I start feeling dizzy do to the effect of the machine that triggers XXXX in persons that suffer light sensitivity to lights as I suffer from XXXX diagnosis by a XXXX I was in a pre XXXX attack at that moment the sales person ask me for my credit card to make a refund in the purchase of the two product I buy because they will give me the gifts of the products for accept the before and after promotion as I give him the card for the refund I was almost out do to the XXXX at that time he came back with the bag of gifts and tell me the receipt for the refund was on the bags as I go out the store find my wife at the XXXX XXXX and she ask me how I look in the middle of the XXXX attack I find out that the machine they used on my trigger the XXXX, my wife find the receipt for a charge of {$1900.00} not the refund, we go back to the store to return the products but the employees can do the refund because the manager wasnt at the store to call the next day as we call and take us two days later to get in contact to talk me no return policy the credit card company denied my claim for no evidence but pay the merchant three ( 3 ) days later when ask me to wait five ( 5 ) days for the charges to show up I call the XXXX XX/XX/2023 and they pay on the XXXX XXXX XXXX never authorize the purchase of this products I have them on my possession waiting to be returned to the store.
Consumer complaint received 2023-08-23
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. (FL)

The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-23
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXXXXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX
Consumer complaint received 2022-11-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Consumer complaint received 2023-08-23
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. (MS)

I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not XXXX and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX I received the attached email from Experian. As it contains no specific information & my account website held no indication as to which account this email referred to, I found this email to be of no value other than to cause concern about my accounts or that it might be a fraudulent email. Not being able to find a functioning number for Experian or any indication as to what to look for in my account website, I deferred trying to investigate further until I had time to dedicate to this matter. XXXX I tried contacting an Experian representative for over an hour, but the number on XXXX and the Experian website ( XXXX ), the two numbers for corporate offices in the Contact Us section of the Experian website ( XXXX & XXXX ), nor the number on my Experian account website ( XXXX ) led to human contact as they were all automated numbers with no option for leaving messages. I finally found a number ( XXXX ; could not find where I found that number when preparing this complaint ) where I reached an Experian representative named XXXX. She kept repeating that this type email is a " benefit '' of my Experian account & that such emails have been sent to me many times, which is not the case as I check my email and junk mail regularly & have never received such an email before. XXXX finally determined which account this email referred to & it became obvious that account changes both credit balance & usage continually such that IF I continue to receive this type email it will be of no value & will only cause further concern. I asked to speak with XXXX 's supervisor & unfortunately, I did not note her name. The supervisor said these alerts can not be stopped without eliminating my Experian account & that other than this option I had no recourse. I told her I would have to contact the US government agency which oversees the credit bureaus. She said to do so. I reached a CFPB rep who said I could file a complaint & directed me to this procedure.
Consumer complaint received 2023-08-23
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. (NC)

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 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, to which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was notified by Transunion that there were some suspicious activity on my credit report. After reviewing my credit report and multiple Identity Theft reports filed in the past and Transunion information breaches I was again a victim of Fraud. On XX/XX/XXXX someone gained access to my online transunion account and accessed my personal information again and removed my Credit Freeze. On XX/XX/XXXX someone without my consent applied for a loan through XXXX XXXX. I contacted Transunion and informed them of the issue and submitted a Notarized Identity Theft report and sent it Certified mail. I called on XX/XX/XXXX to have the Fraud Inquiry removed " XXXX XXXX INQUIRY XX/XX/XXXX '' and the representative refused to help me!