davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CO)

I did not authorize a transaction of {$550.00} on XX/XX/23 this transaction was made on a card that was reported missing LAST YEAR. I have started a charge dispute. The bank says wait XXXX days. That is completely unacceptable. I demand my money he returned immediately. I also request that CashApp XXXXXXXX XXXX be fined for violating the law and refusing to work with me.
Consumer complaint received 2023-01-09
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.
Consumer complaint received 2022-05-24
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)

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} date:XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} date:XXXX 5 ) XXXX  {$6500.00} dateXXXX
Consumer complaint received 2022-05-24
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: CITIBANK, N.A. (CT)

I contacted Citi on XX/XX/2022 to inform them of a fraudulent transaction on my credit card statement. They asked me to fax a copy of the charge and highlight it, so I faxed the information over to them on the same day. After waiting serval weeks, I got a letter stating that they would not refund the fraud charge on XXXX/XXXX/2022. 


The amount of the transaction was {$6400.00}
Consumer complaint received 2022-04-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-16
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)

I have notified Experian numerous time about unauthorized inquiries reporting on my credit report and they are still showing UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020XX/XX/2020
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.
Consumer complaint received 2022-05-24
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: Fidelity National Information Services, Inc. (FNIS) (VA)

XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) Inquiries are not mine. Please remove from my credit profile.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Card Receivables Fund Incorporated (WA)

On XX/XX/XXXX I believe I sent a letter disputing the validity of a debt due to my wallet being stolen and I was a victim of identity theft. I sent the letter to distressed assist portfolio about a XXXX XXXX credit card in fact XXXX XXXX  had even called me at one point to tell my my account was compromised this was like 2 years ago I thought I had handled it until this collector reached out to me. There response to my letter was to send my bills that the fraudster charged up and tell me I have 10 days to pay it.
Consumer complaint received 2022-11-28
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. (GA)

I called the TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by XXXX, XXXX XXXX Transunion have caused my harm as I am trying to maintain my finances during the COVID pandemic.
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

bank of america steals. i overpaid balance on boa credit card XXXX XXXX XXXX XXXX i need refund from thief bank of america. if i dont hear i will sue boa to get overpayment back. i need overpaymennt now. customer service sucks. this bank sucks.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Ordered a drone through XXXX on XX/XX/XXXX for {$2600.00} and when the package arrived, the box was empty. I promptly notified XXXX and was instructed to return the empty boxes, which I did. When they received the boxes they stated the boxes were empty, to which I reminded them that it arrived empty. They said that their seller refused to issue a refund and that XXXX would process some kind of A-Z guarantee, but now they say it is my problem. 

Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place this item in dispute and request you refund my money. 

Notified Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail, which is why I am filing a complaint with you.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

Hi My Name is XXXX I have dealt with Regional Finance ( XXXX, Texas ) branch XXXX XXXX XXXX, for 4 yrs at this point and they have service 3-4 prior loans for which i was never late with a payment and paid all of them off early. 
I was adversly effected by covid and lost my form of income. I notified them of this and attempted to make arrangemnets. I have submitted bank statements and proof of a drastically reduced income. On one attempt after months of recieving calls they denied a reduction in payments. 
What makes this worse is that My wife is an XXXX  of XXXX XXXX and has been harrasssed for being married to me. My wife knew nothing of this loan was not included in references at all. I had be dealing with Regional Finance 3 yrs prior to her being XXXX  by them.

I have requested them to leave her out of my personal loan yet they have repeatedly attempted to involve her causing a really bad home situation.

I explained this to there Corporate office and the situation has gotten worse. 
Intimidating me by using my wifes XXXX  as harrassment is unjust. 
Me and my wife have never discussed finance with one another we have seperate bank accounts. They have involoved her in my personal matter and caused undue stress in my household. I have offerede to pay on interest only until I am gainfully employed once again yet was met with " have your wife Pay it ''. 
I dont know what else to do at this point.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I have a medical debt that I paid in full. When I first made arrangements to completely pay off the debt. I was told that they would fully remove the Collection from my credit report only if I paid the entire balance owed. I was given the opportunity to make a payment arrangement and make payments of XXXX per month until the entire balance was paid. I made all payments and even finished paying the debt back a month earlier. Today XX/XX/2019 I ran my report and the debt is still reporting on my credit. The balance looks like it is up to date but the debt is still reporting as a collection. Per the representative it should have been removed. I called CMRE Financial Services and they told me that they can't remove it that it is up to the credit bureaus to do it. I was mislead from the beginning and the statement about not being able to remove the item off of my credit report is hurting me with having to finance higher rates and not being able to qualify for new loans.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (FL)

I noticed this on my credit and this was paid off through the company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I have attached to this complaint. Even if I still owed XXXX it would have been XXXX payments under {$100.00} each not the {$310.00} they are posting on my credit report.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

Someone applied for a credit card in my name that I did not authorize and I called Synchrony Bank and told them it was fraudulent, and they told me twice in 2 different phone calls that they would send the removal request of the credit inquiry to the credit bureau agencies. It has not been removed yet.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (ND)

Account does not belong to me. I have no agreement with Credence resource management. I demand that credence resource management delete accounts from all major credit bureaus as its causing me financial hardship. I have sent letters to credence to validate tradeline but no respone.I have attached a copy of the letter. 
I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On my XXXX and XXXX Transunion Credit Report there is a derogatory mark on my account with reference to XXXX XXXX XXXX XXXX. I have explained that I closed my account with this organization in XX/XX/XXXX. My account was in good standing at that time. I believe that they are reporting on my mother 's account, XXXX XXXX. XXXX XXXX died XX/XX/XXXX. I have contacted XXXX XXXX XXXX and they are telling me to dispute the report which I have unsuccessfully. 

I am not personally responsible for the payments on this account and therefore, this should not be reporting on my credit account with Transunion. Any assistance in this matter would be appreciated.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On or before XX/XX/XXXX, Citibank established a checking account to accept XXXX payments. On XX/XX/XXXX, I paid a fraudster {$500.00} via XXXX to this Citibank account based on the belief that Citibank had completed required KNOW YOUR CUSTOMER diligence. After unsuccessfully trying to resolve this via my bank ( XXXX XXXX XXXX ) and Citibank and XXXX, I filed a police report in XX/XX/XXXX. Recently, the police informed me that Citibank informed them ( under subpoena ) that the account was in fact based in XXXX, not the United States, and that KYC processes had not been properly followed based on online account opening. Citibank also accepted that the account had been used in money laundering activities. 

Citibank failed to protect the financial system and failed to perform required due diligence in setting up a fraudster account.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per FCRA 605B, it's essential that we eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate, and it's causing me discomfort.
Consumer complaint received 2022-05-24
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 sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (VA)

I received a {$100.00} pre-paid debit XXXX issued by U.S. Bank National Association. The physical card expired XX/XX/19. A customer support phone number is not provided on the card. Numerous attempts to contact U.S. Bank directly to resolve my unspent funds have gone unanswered.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Called Transunion to file removal of unauthorized inquires asap, I was told it could not be removed. this act of fraud is hurting my report leaving me unable to file a loan in the near future for a home. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021