davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX someone got ahold of my cards after my car got impounded and started using my cards from my moneylion account and I didn't know till XX/XX/XXXX is when I found out so I file a dispute on XX/XX/XXXX then long story short they moneylion never locked my cards they left them open that resulted for whoever was stealing my money to continue steal money from me I found out about that at least a month-and-a-half later they refused to take responsibility and they keep accusing me of wrongdoing when they were the one who did a lot of wrongs the completely mixed and mislead and try to mix information to cover up their mistakes I even told them why did you guys left my cards open after I filed a dispute and reported my card you were missing and stolen then 20 transactions happen after the day that I reported them stolen and they refuse to answer to this question or if you to take responsibility for that simple mistake
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (GA)

Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX THIS ISSUE HAS BEEN GOING ON. 
On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail ending XXXX On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity and update access to my online login. They are now applying stalling tactics despite all documents confirmed receipt and accepted. Equifax did not act on conducting a reinvestigation on all the accounts I challenged but now saying they have no documents to support my identity by stalling so I am seeking your help for them to stop playing around as I need to get my REPORT FIXED BECAUSE OF all the inaccurate DATE OF LAST ACTIVITY reporting of student loans, ILLEGAL INQUIRIES and VARIATION OF INVALID addressES. This is truly causing mE PERSONAL FINANCIAL ISSUES OF GETTING LOANS DUE TO ALL THE ERRORS.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
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: FinCo Services Inc DBA Current (PA)

I withdrew XXXX from an ATM at XXXX in XXXX, Pa. I notified my bank that the ATM only produced XXXX but I had withdraw and had a transaction for XXXX on my account. They said I would get a credit withiny in 10 days. Its been over 30 days and there has been no credit or no resolution and nobody from the dispute team has contacted me. I have been missing over XXXX for over a month now!
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XXXX XXXX XXXX  I tried to XXXX XXXX and Citi Bank found it supicious and blocked my checking account. I called immediately and according to them because the number on file is under another persons name they can verified my identity. Ive told them is my number and if they want they could have call me or send me a text with a code or something so, they just hang up on me several times but I cant still access my account no ones give me a solution. I have recorded it few of the calls and still they keep hanging the phone on me. I also ask them how do they determine is not me if I have gave them my SS #, DOB, address etc! They say that they go through public records to verify the number account holder therefore they can see is not under my name. For me is absurd because when I opened the account this was the number I used since they one. I believe this is illegal especially if they dont give me a solution to the matter. Right now still cant access my checking account but I can use my savings. I need help asap. Thanks,
Consumer complaint received 2021-06-30
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. (SC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-30
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. (CA)

There are 15 accounts on my credit report that are not mine I have not opened or used these accounts

do not belong to me!!!! Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : This is not my account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : US DEPARTMENT OF EDU Account Number : XXXX  Reason : Unverified account Account Name : XXXX  XXXX  Account Number : XXXX  Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXXReason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Consumer complaint received 2020-12-27
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/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
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: NAVY FEDERAL CREDIT UNION (CA)

Recently I reached out to Navy Federal about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

Dear Representative, My card has a charge for $ XXXX from XXXX through XXXX XXXX XXXX XXXX XXXX 
The merchant was told there was a refund going to be posted on to my credit card by XXXX. Nothing has been done by Chase to credit the account. I am Disputing the charge on my credit card from this date. 
Thank you.
Consumer complaint received 2017-08-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.
Consumer complaint received 2020-12-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XX/XX/XXXX, XXXX XXXX, one of my service providers withdrew an unauthorized amount from my checking account in the amount of {$210.00}. Once I notified XXXX, they told me I would need to contact my financial institution to get my funds returned to my account. They also claimed that they did not withdraw the funds from my account, but Huntington just sent them the funds. The Huntington dispute ID is XXXX. The Consumer Financial Protection Bureau notified Huntington Bank regarding my complaint and the bank Escalation Department contacted me and refunded the money. However, for some reason, the bank followed a " dispute procedure '' and stated that I needed to provide supporting documentation showing that I paid this merchant some other way. I once again explained to Huntington, that there should not have been funds pulled from my account period, this was an unauthorized transaction and XXXX happened to have one of my debit/credit account numbers on file. ( I have since closed this card ). 
The bank representative updated notes stating that no further documentation was needed since this was simply " unauthorized charges '' and was " not '' for services rendered. I now have another issue regarding this matter, Huntington made yet another error and pulled the funds from my account in XX/XX/XXXX! They pulled {$100.00} & another {$37.00} fee claiming they did not receive the supporting documentation showing I paid XXXX another method. On XX/XX/XXXX, I spoke to a supervisor who stated that I needed to call back at XXXX XXXX. so the matter would be escalated to their " Dispute Department '' who is the only group who can return my funds to me. Additionally, there are additional fees totaling {$250.00} that Huntington withdrew from my account in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I want credited back to my account immediately. Once all fees have been returned to my account, I plan to close my account and end our relationship with this financial institution.
Consumer complaint received 2021-06-30
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: WELLS FARGO & COMPANY (CO)

My credit score on XXXX XXXX and more specifically XXXX is pulling from the wrong SSN. XXXX has the last 4 of my SSN as XXXX not what it actually is XXXX. All of my credit reports are being filed under the wrong SSN. I have tried shooting with XXXX XXXX, XXXX, and even wells Fargo but they all have provided no help. I have been denied car loans, housing applications and now financial aid for schooling. All because it's not pulling the accurate score. Everything is being filed under the wrong SSN.
Consumer complaint received 2021-06-30
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)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXXopen date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditorXXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXXXXXX XXXX college- open date XXXX XXXX 8XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3XXXX date open-XXXX XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX  XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5.XXXX XXXX XXXX XXXX FL XXXX FRAUDELENT NAME 1XXXX XXXX
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I am a victim of identity theft, the enclosed accounts are a result of identity theft. These accounts are having a negative impact on my credit. I am requesting that these accounts be removed from my credit report. 

Thank you
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc (NV)

Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through PayPal I click that option when I get redirected to PayPal I could either use my PayPal card balance or add my banks debit card to my PayPal account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the PayPal website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought PayPal wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from PayPal. so I dont have any credit. I have a clean slate. If I new it was a credit card application XXXX wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling PayPal customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call XXXX  XXXX and tell them to put it ask fraud because they cant find it.
Consumer complaint received 2021-06-30
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: AMERICAN HONDA FINANCE CORP (CA)

I have sent XXXX  an Identity Theft affidavit for the American Honda Finance reporting on my credit file. The balance on the account is {$6800.00} I have sent American Honda Finance and also XXXX  a copy of my Identity theft affidavit back in 2020. They were suppose to block the account and they failed me as a consumer, Also according to 15 USC 1681 ( d ) Investigative consumer report. XXXX  AND HONDA FINANCIAL FAILED ME AS A CONSUMER AND STATED EVERYTHING WAS VERIFIED when either of them failed to do their full job according to what congress states in 15 USC 1681 ( D ) I AM DEMANDING AMERICAN HONDA FINANCE BE REMOVED FROM MY REPORT.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Ive contacted Discover regarding a late payment listed on my credit report for XX/XX/2018. It is inaccurate and they are not wanting to remove it from my credit report. I was XXXX XXXX during that time, and I am a veteran now trying to get a mortgage and they are damaging my credit worthiness. Ive asked for validation and received nothing. The representatives on the phone are very rude and no help at all and do not even care that Ive served for this country. If this is not corrected I will end the relationship with Discover immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX