davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (KS)

On XXXX the XXXX I received a call from the actual US Bank number XXXX. The person stated to be a representative of US from the fraud department. He stated their were two transactions of {$700.00} made in Florida and wanted to make sure it was actually made by me. I said no. He then stated he was going to cancel those and close my cards down. I received a text, he said to ignore the text that it was him just closing my cards. Then I got another message, he also told me to ignore that text since it was him trying to freeze that transaction from going thru. Then there was another message from the US bank again, he again stated that was him trying to reset my account. I didn't have time to check the messages as I was on my way to pick up my son from school. After that, he then told me, that he was in fact from US bank that I could check the number he was calling from to verify who he was. He then states its taking him long than expected because he systems was having problems. After that, he states their was something else being processed on my account. It looked like a wire transfer of {$7700.00} to XXXX XXXX. He asked me if I did that, I told him NO. He states he was going to stop that. He gave me a new online code to get back to my account since he had to close me out of all my accounts. But that everything should be fine. Well when I to put that new code on the online banking, it didn't work. I notice that I was able to get on the online banking via face recognition. I then call the actual US bank which the representative stated they have never called me. But she said there was no card transactions of {$700.00} on the account or anything abnormal. I then asked about the wire transfer of {$7700.00}, she said it was not showing up either. Few minutes later into the call, she sees the now " pending '' wire transfer. I told her that was not made by me to please stop that from going thru. She states she will freeze my account so it won't go thru. She told me to go to the bank to close those accounts and open new one, also to move all the money over. Before I went to the bank, I asked her if that money will be taken out, she said no because she was able to freeze the accounts as soon as it happened. I go to the bank and did what she advise me. I was locked out from my accounts until Tuesday, it was then that I realized that the wire transfer did go thru. I've been on the phone with these people, ever since. Today XXXX, a representative told me they had close the case because they were unable to get my money back and there was no sign of fraud. That I made that transfer which I didn't. I don't know that else to do. I never gave this man any information regarding my login or passwords. Didn't even give them the account number since I didn't know them myself. I have made the police report, nobody has asked for it. I'm in complete disbelief my bank won't hear any of the conversations that took place and will not refund my money.
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, XXXX and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc.
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sent XXXX & XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX. 

XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX, XXXX, etc.
Consumer complaint received 2023-05-22
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)

My name is XXXX XXXX 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 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 USC 1681c-2 FTC VIOLATION XXXX XXXX, XXXX, AND TRANSUNION FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, XXXX, AND TRANSUNION REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Consumer complaint received 2023-05-22
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. (FL)

I've found that my credit report has erroneous information for the second time 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 removal 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
Consumer complaint received 2023-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Figure Technologies, Inc (MI)

I accepted a {$22000.00} HELOC with Figure Lending. They sold my loan in XX/XX/2022 them continued accepting my payments. In XXXX a payment was missed and I was sent an application to modify my loan via XXXX. I filled out and returned the application XXXX times. Figure Lending said I didn't sign it which is impossible because XXXX won't complete the document without a signature. Then suddenly my loan was sold again but this time I didn't get any notice. But even after, Figure Lending continued billing me. I still have an open account with figure lending somehow. I'm still receiving monthly statements from them and XXXX XXXX XXXX XXXX which is the first company my loan was sold to in XXXX. This has been stressful and unfair.
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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. (MI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source ofXX/XX/XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiry and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiry and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiry and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

My previous employer ( SAP ) gave me some recognition award worth {$600.00} in XX/XX/2022, redeemed as XXXX gift cards and stored at XXXX : XXXX These XXXX gift ( XXXX ) cards worth {$500.00} and {$100.00} ( total of {$600.00} ) were stored at XXXX : XXXX operated by Blackhawk Network. 

In XX/XX/2022, my XXXX XXXX XXXX  account was taken over which resulted in a bunch of fradulent trasactions using my prepaid/gift cards. 

Both money and personal information ( name, email, phone number ) was stolen during this data breach. 

Blackhawk Network sent me a written letter on XX/XX/XXXX, XXXX about account takeover which is when I discovered that the money and personal information was stolen. I received the letter on XX/XX/XXXX and called their customer support immediately and asked them to reissue new gift cards worth {$600.00}. They told me dispute department will reach out via email and phone but they have not responded and have not taken any action since. I sent them emails but all emails bounced, it's been impossible to find their support/escalation email. I also filed a complaint on this site today : https : XXXX Complaint/Case number : XXXX
Consumer complaint received 2018-04-16
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. (VA)

I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: United Debt Holdings, LLC (TX)

LOAN WAS TAKEN OUT XX/XX/15 I BELIEVE FOR {$500.00}. I DO N'T REMEMBER. THEY TOOK OUT TOTAL AMOUNT DUE WITH INTEREST ON FIRST PAYMENT DATE 10 TO 14 DAYS LATER ON MY PAY DAY. I RECEIVED EMAIL STATING LOAN WAS PAID IN FULL. THEN I STARTED RECEIVING PHONE CALLS AND EMAILS WEEKS LATER HARASSING ME STATING I DID NOT PAY. AND THEY WERE GOING TO COME AFTER ME. I PLACED MULTIPLE THREE WAY CALLS WITH XXXX XXXX XXXX AND MY BANK PROVING PAYMENT WAS DRAFTED, COMPLETED, CLEARED AND ALL WAS GOOD. A FEW WEEKS LATER XXXX XXXX XXXX TRIED TO DRAFT DOUBLE WHAT WAS OWED AGAIN AND MY BANK FLAGGED IT. I HAD MORE MULTIPLE PHONE CALLS WITH XXXX XXXX XXXX AND THE BANK. XXXX XXXX XXXX ASKED ME TO SEND BANK STATEMENT SHOWING WHERE THEY DRAFTED THE MONEY. I DID. I WAS TOLD IT WAS THEIR MISTAKE AND LOAN WAS PAID IN FULL. 2 MONTHS LATER AND AFTER SEVERAL DAYS OF ARGUING FIGHTING AND PROVING TO XXXX XXXX XXXX THEY WERE IN THE WRONG I WAS TOLD EVERYTHING WAS CLEARED. I CLOSED MY BANK ACCOUNT BECAUSE OF SUSPICIOUS ACTIVITY WITH XXXX XXXX XXXX AFTERWARDS. AND THE PHONE CALLS AND EMAILS STOPPED. NOW HERE WE ARE 21 MONTHS LATER AND TODAY I 'M RECEIVING PHONE CALLS AND LETTERS FROM A LEGAL TEAM ( XXXX XXXX WITH XXXX XXXX XXXX ) THAT THERE HAS BEEN ACTION STARTED AGAINST ME AND XXXX XXXX XXXX IS SUING. AND ALSO FROM A XXXXXXX PROCESS SERVER FOR XXXX XXXX XXXX THAT SHE IS ON THE WAY TO MY HOUSE AND JOB TO SERVE ME AND IF I DO N'T SIGN PAPERS THERE WILL BE MORE LEGAL ACTION AND PROBLEMS TO COME FROM THIS. I CALLED XXXX XXXX SPOKE WITH HIM ABOUT THE SITUATION AND HE ADVISED WOULD GET AHOLD OF THE LENDER AND LET ME KNOW IF HE NEEDED ANYTHING ELSE. THIS IS FRAUDULENT. THIS IS CRAZY. AND THIS IS HARASSMENT.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (NJ)

I have had a personal loan with citibank now for several years of XXXX. I have made my monthly payments, ontime. I have tried to pay off my loan, 3 times, the first time I called and kept getting passed around and never got a resolve. Then I sent a check, and it got returned. The latest just this past week, my bank sent them a payment and citibank again rejected it and returned it. I have asked for a lower interest rate, they declined, I have tried to pay it off and they returned. They have me locked into this loan, paying their interest rate with no payment options other than paying hundreds interest. As a consumer, I should have options. I want to get out of this loan immediately, and I never want to hear from them again. Terrible bank!!! Don't bank or take a loan from citibank, they are faulty loans.
Consumer complaint received 2015-06-02
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon checking my credit report I noticed some inaccurate reporting on my XXXX and XXXX XXXX reports as follows ; ( account # XXXX ) Company : XXXX XXXX XXXX I ask the above company provides all documentations as follows : 1. Original contract 2. Credit Insurance 3. Payoff disclosure 4 balance history 5 payment history 6. Interest rate disclosure Please provide all documentations to insure accurate reporting information on my credit reports.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX  XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXX  XXXX XXXX Balance : -
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TN)

ON XX/XX/2022, Sent a letter to XXXX, XXXX, and Experian, XXXX informing them the information they are report to my consumer report is inaccurate.