davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA incorrectly charged me an NSF fee when I had funds in my account. I called and spoke to XXXX. I stated I never made the payment on Tuesday and on Wednesday I received an NSF fee. She says the payment was ran on Monday but I have the receipt from my payment on Tuesday.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed an account with XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone XXXX They did not remove this account from my report and my social security number was compromised and used to open accounts in my name without my knowledge and permission. I became aware of this in XX/XX/2019 and I have been fighting this ever since. They refused to remove this fraudulent account that has nothing to do with me. 

I want it removed immediately because it is not my account and it is preventing me from getting a legitimate mortgage because it is negatively impacting my credit score.
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MD)

My father passed away XXXX XXXX he had an XXXX  XXXX XXXX. He didn't have an will or an power of attorney, so my sister and I had to go to the Power of Wills to get everything straighten out between us. I'm the oldest so I had to be the executive of all his processions. He had three cars and his house. Two cars where sold and the XXXX I took in late XXXX I had called Regional Acceptance where my father had to pay his payments. I explained to them what was going on and sent all my documents I needed. I begin taking over the payments of XXXX. Granted I was late making them because I just got in to starting to pay where he left of from where he passed. Everything was okay until probably the end of XXXX by then I had paid four payments. I began to get phone calls from Regional stating that I wasn't suppose to have the car because my name wasn't on my fathers loan with them. I asked them why wasn't it told to me in the first place about the loan and what it was for or maybe how I could take over that. But I got no answers just harassing phone calls saying they was coming to get the car and that I couldn't do anything about it. I told them I wanted my money back because I had the right to get it back. at the bottom you will see the attachment that I sent to them and I haven't got any response back. Could you please help!!!!! 
Thanks XXXX XXXX I can be reached at XXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (OR)

I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. 

Thank you for your assistance!
Consumer complaint received 2024-03-16
Product: Credit reporting 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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I wanted to call Capital One and ask them to reverse a late payment charge, my first since I have been an account holder for several years. They provide no way to get in touch with them to talk to an actual human - there is no form or email address on the website, and then when you do call the customer service line, it takes you through all of the automated crap and then when you ask to speak to a rep, it says " we are experiencing high call volume right now and can't help you, thank you. '' and then they hang up! No opportunity to leave a message or ask for a call back or anything. Financial institutions should be required to have customer service representatives.
Consumer complaint received 2023-07-05
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: CITIBANK, N.A. (VA)

On XXXX at XXXX XXXX, I got an email from Citibank XXXX XXXX ) with the following content. I also got notified by XXXX. I did NOT submit this request. I then called XXXX and submitted a dispute. I tried to call Citibank but can't get through to support. 


Hi, XXXX. Thanks for your interest in opening a Citi / AAdvantage Platinum Select Card account. We're reviewing the application you submitted on XX/XX/2023 and will get back to you within 7-10 days. 

For the most up-to-date information on your application, you can check the status online at any time. All you'll need is your Application ID
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (CO)

In XXXX I had a Nordstrom 's card. The day I bought a suit, they offered me a card. I accepted. They ran my credit and put my purchases on the card. They never sent me a card. A few months later it went on my credit report. I explained what happened and they refused to take the info off of my report. Angry, I paid off the balance and closed the account. In early XX/XX/XXXX, I received two pieces of mail. They reopened the account without my authorization. This is fraudulent and it is unacceptable. Somebody could have intercepted it. It took me all afternoon to get the account closed. Furthermore, they told me I had never closed the account. This is false.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.
Consumer complaint received 2020-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX while reconciling my bank & credit card statements, I came across 3 separate charges in the month of XX/XX/XXXX on my Capital One Visa card to a merchant named XXXX XXXX which I did not recognize. I tried to find more information on my statement both written & online but there was no other information beside the vague name & it is stated as grocery store. I contacted Capital One & advised them that I did not recognize these charges & needed to get more information about the merchant, i.e. actual name ( XXXX search of a grocery store named XXXX   XXXX delivered no results ) and/or address/phone #. The rep I spoke with said they had no further information about the merchant & that a fraud investigation would be opened to further investigate. I was credited the charges pending investigation. On XX/XX/XXXX I was notified in writing by Capital One that they had concluded the investigation & that it was not shown to be of fraudulent in nature & that I would be debited the 3 charges on my account without any further information about the merchant 's name, whereabouts or other clarification. I contacted Capital One to ask what information they can provide me to prove that these were, in fact, legitimate charges but they could & would not provide me with any other information except to say that the charges were made using my chip card & because I had not reported my card stolen at the time, they concluded the charges were legitimate & they would not contact the merchant for more information. I spoke with two different supervisors ( XXXX - Agent # XXXX & XXXX - Agent # XXXX ) who confirmed that they would not provide any further information & I would be responsible for the charges. XXXX put me on hold attempted to XXXX search the merchant 's name to locate their business & he could not find any information about this merchant. It is hard to believe that they are using the same search engine as I am to try & locate a merchant that they paid funds to. I believe that I am entitled to get more information about this merchant & find out where they are located & the real name of their business before assuming responsibility for the charges. Capital One 's claim that because the chip card was used to make the purchase that I am responsible is not enough since my card could have been used without my authorization without my knowledge during the time of these charges. I am also questioning if this is even, in fact, a legitimate merchant for that matter. It is unbelievable that a credit card company would not provide this basic information.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TN)

On XX/XX/XXXX Mr. XXXX was hospitalized out of state from his home town due to a severe fall. Mr. XXXX remained hospitalized and in-house rehab until XX/XX/XXXX. During the time of being confined to the hospital his job and other businesses had continue to deposit funds to his Netspend All-Access prepaid debit card. Those funds was stolen from Mr.Coats accounts. 
Mr. XXXX filed a dispute with Netspend Dispute department and included the discharge summary from the hospital, a police report, Federal Trade Commission report, Netspend Unauthorized Dispute document and other relevant information. The dispute department closed the claim due to no error found on XX/XX/XXXX. The dispute department reason of account closure is as follow The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 

We are certain that the card was compromised by a possible relative or associate that lived in the same area and was knowledgeable of Mr.XXXX  whereabouts, So it likely that the card was utilize at the same merchants where Mr. XXXX previously shopped but that shouldnt disqualify the charges from being unauthorized. 

Mr.XXXX  is requesting the claim investigation to be reopened and he receive his provisional credit as scheduled by XXXX XXXX.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 my student loan was forgiven, my student loan servicer XXXX informed me that this info would be passed on to the 3 credit reporting agencies XXXX, XXXX, and Transunion and should be updated within 30 days. XXXX and XXXX have updated my credit report to show a XXXX balance. Transunion have not yet updated my report and in result i was denied credit. My student loan service provider informed me that they sent Transunion this informations months ago.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Date Updated : XX/XX/2021
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hi, My name is XXXX XXXX The XXXX  of XXXX XXXX XXXX. 

I did a Job for XXXX XXXX XXXX. And he gave me a payment of {$50000.00}, Chase put a hold on the {$50000.00} and then they decided to put on hold a until they verify the llc, And the way they verify is they call the phone number of the llc that is on XXXX XXXX, And since there is no phone number for the llc on the XXXX XXXX they wont release the money, and are not willing to send back to XXXX XXXX XXXX. and they claim they can keep it. 

Basically they closed my account and they are keeping from me over {$80000.00} and they are putting my small business at risk. I need back the money from chase yesterday
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (PA)

I have an Apple Credit card issued to me that I have no idea how or when I applied for this! It also now has my storage fee for my Apple account charged to this card. It all seems very unethical to me.
Consumer complaint received 2023-11-29
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. (FL)

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. 

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 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information with XXXX was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this data breach.
Consumer complaint received 2024-03-16
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. (PA)

Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.
Consumer complaint received 2023-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I received a copy of my credit report from XXXX. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * Capital One -- XXXX XXXX * Capital One -- XX/XX/ I, also, received a letter stating that I applied for a XXXX on XX/XX/. I checked my credit and it shows that I have an inquiry on my XXXX report. Please remove the follow inquiry from my XXXX credit report : * Capital One -- XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (TX)

I reached out to Equifax via certified Mail of the listed account. It has been longer than 30 days and I still have not heard back from them. I will attach the letter I sent and proof of this letter.