davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

In the begging of XX/XX/2022 my wallet and phone were stolen. I didn't have access to my bank account until I got a new phone. When I finally got access to my mobile app I reached out to the bank to dispute some charged from XXXX which were taken place in XXXX XXXX. I also seen that there was a very obvious fake check that someone had tried to deposit using my mobile app. I was never once notified by the bank that there was any suspicious activity on my account until I called myself to ask about the situation. I was passed around to over a dozen departments with no answers. I was in the process of moving into my new apartment as well and was unable to because my funds were frozen. It's now been over two months with no update on the fraud status which had been very draining and mentally exhausting for me to still be dealing with. I went into the US bank brand in XXXX XXXX XXXX to speak to a consultant on XX/XX/2022 at XXXX. He gave me a temp card for the account that was showing as Active since XX/XX/2022 ... I was never informed that the account was still " active ''. So the next day I tried to use the temp card and it declined.. leaving me with all the items I had ordered at dinner unpaid for.. Now I tried to speak to the branch manager and she was giving me no information about my own account. I will have to get my attorney involved if this matter isn't handled. I do not want to bank with US bank any longer. I want my last deposit from current employer released. There has been over 12 people I've spoken to and no one person has been able to help me. The consultant at the bank lied to me about a new account that was made for me on XX/XX/2022 when I reported the fraud. I will not stop until I get my money out of that account. The bank in XXXX XXXX XXXX has be very awful and rude towards me in every which way possible. I also received a letter in the mail with a picture of the fake check and a letter stating the account was going to be closed. I HAVE NO RECEIVED ANY FUNDS THAT ARE RIGHTFULLY MINE IN OVER TWO MONTHS NOW!!! THIS IS VERY UPSETTING AND MENTALLY DRAINING.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Consumer complaint received 2023-11-30
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. (NY)

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (NY)

I have been trying to work a payment arrangements. Now they are calling my wife 's work looking for me. Started today XXXX. I need them to stop calling me 20 times a day and need them to not call my wife at work for the federal government.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (OH)

I received three letters from USBank that they received an application for a credit card on XX/XX/2022. Reference # XXXX. I contacted USBank and spoke with XXXX and advised him that I did not request this credit card. He noted the file and said the frauders have my name, address, and social security number.
Consumer complaint received 2023-05-12
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. (IL)

Dear Sir/Madam, I am writing to request that you delete the fraudulent hard inquiries listed on my TransUnion credit report. I have recently become aware of these inquiries and believe that they are a result of fraudulent activity. 

The following hard inquiries were made without my knowledge or authorization : XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX  XXXX. ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Bank ) XXXX XXXX, 2023 XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX  XXXXXXXX XXXX XXXX XXXX Finance ) XXXX XXXX, 2023 XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX - XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX Bank ) XX/XX/20XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2023 As a victim of identity theft, I believe these inquiries were made fraudulently and should be removed from my credit report. I did not authorize any of the inquiries and have not applied for any credit products or services with the listed companies. 

According to the Fair Credit Reporting Act, consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising this right and asking that you remove the fraudulent hard inquiries from my TransUnion credit report as soon as possible. 

I have also taken steps to protect my identity, such as placing fraud alerts on my credit reports and monitoring my accounts for any unauthorized activity. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In my previous letters sent, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (IA)

I received an email on XX/XX/22 at XXXX XXXX  XXXX from Radius Global Solutions LLC regarding collecting a debt I owe to XXXX XXXX XXXX XXXX  XXXX. It had my address listed, but it looked like it could potentially be spam so I contacted XXXX within XXXX minutes of the email being sent. They confirmed Radius Global Solutions LLC is a debt collection agency they work with and that I owe a debt of {$200.00}, but had paid my co-pay in the amount of {$50.00} bringing the total needed down to {$150.00}. I advised I had zero phone calls or emails from them, to which they replied they only rely on the USPS to send notifications ( do not have any of those either ). They were able to confirm the dates of service, but could not provide me with a breakdown as to why we would owe so much for a visit ( they claim their systems are down ). Due to their systems issues, they also could not take a payment and would need to call me back with both pieces of missing information. 

I waited about a week and a half and called XXXX back on XX/XX/22 again asking if their systems were up, and was told they are not and their is no ETA to fix the systems. I was also informed the amount owed may not be accurate and I can just pay it and they will refund me if it's inaccurate. They still have me on a list to call back when things are working and I have not heard back from XXXX as of this writing. 

I then called Radius Global Solutions, LLC the same day directly and asked if they could provide a breakdown of the balance. They said no, but advised me the {$50.00} stated above was from my " insurance '' which is contradictory to the information provided from XXXX. I informed them I was not paying a debt they can not confirm is accurate and they requested I send them a dispute in writing ( via email ) even though I was following their email guidance and using the call in option. I emailed them on XX/XX/22 and have not heard anything back since. 

I am not disputing my family visiting the clinic at all, but their debt collection practices are completely unprofessional. They can't seem to tell me what the charges are for, don't even attempt to notify me directly they are sending my personal information to a debt collector, and provide contradictory information between both organizations.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX, and XXXX have failed to uphold their grave responsibilities pursuant 15 USC 1681a ; 15 USC 1681b ; and 15 USC 1681c. They assumed a vital role in assembling and evaluating consumer credit and other information on consumers, yet failed to wholly and accurately investigate & report information on my behalf. Because of this, my report does not reflect information accurately across all three major credit reporting agencies and gives an unclear picture on my creditworthiness as a consumer. This is a direct violation of federal laws which constitutes the removal of all false and inaccurate information from my report immediately.
Consumer complaint received 2019-12-02
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. (CA)

I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On XX/XX/2021, my husband and I had {$22000.00} hacked from our joint M & T Bank checking account. We immediately went to the branch and filed a Complaint. We were told that they would have the claim resolved by today, XX/XX/2021. We have not heard anything from the bank and nobody is able to give us further information. We opened up new bank accounts which have not been reimbursed for the security hack.
Consumer complaint received 2021-09-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX and requested a debt validation pursuant to 15 USC 1692g. In order to validate a debt, an alleged creditor has to submit 5 criterias, this is not optional and no part can be missing. Pursuant to 15 USC 1692g, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Attached is the correspondence I received from XXXX proving they were unable to validate this alleged debt. I have disputed this debt several times with Transunion and you repeatedly concluded your investigation as this debt was validated and it remains on my consumer report. I need to see what they are sending you that is different from what they are sending me. I demand Transunion provide me with the method you used to investigate this an valid and ALL documentary evidence pertaining to this account and why you feel you have enough evidence to keep furnishing this information on my consumer report. If you can not provide me with this evidence, I demand you delete this account immediately
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NM)

I received my new Synchrony Bank XXXX XXXX Credit Card in the mail. With the card came the terms and conditions that said my credit card interest rate was, as I had seen at time of application, was 24.90 %. I then got a letter a few days later that said my interest rate was not the best rate they offered and that by law my credit score was used in reviewing my application. It stated my credit score was XXXX. I was then instructed to all if I had questions. I called and asked them to explain what was the cut off for the best credit score and what was my credit card interest rate. The rep and the supervisor I spoke to " XXXX '' could not explain this to me and said they do not know what the score cut offs are. XXXX then told me my credit card interest rate was 25.15 % which is 25 basis points higher. I asked them how they could increase my interest rate on my card from application on XX/XX/XXXX. It has not been 12 months and the introductory promotional rate must be honored for at least 6 months. XXXX said they did not have to follow that law at Synchrony and she said she did not know what other credit card companies do, but at Synchrony, the interest changed on XX/XX/XXXX and so did my credit card interest rate. I tried to tell her about the Credit Card Act of 2009, and tried to explain to her the points below, but she would not listen. She said I had to write to Synchrony and there was nothing else she could do about it.

Interest Rate Increases : Credit card issuers can not increase interest rates within the first 12 months of the account being opened ( unless consumer makes late payments ). 
Introductory promotional rates must remain in effect for at least 6 months ( great news for people who take advantage of 0 % Balance Transfers ). 
Credit card issuers will not be able to raise an interest rate on an existing balance unless the cardholder goes 60 days past due on the account. 
Increased interest rates only apply to new charges and can not be made retroactively. 
No universal default clauses.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted comprehensive documentation, including the FTC Identity Theft Report, Police Report, and a Statement with clear identifiers. These documents outlined that the XXXXXXXX XXXX XXXX account, opened on XX/XX/XXXX, with the account number XXXX, was not initiated by me but by someone else through Identity Theft. Despite compelling evidence provided by the XXXX XXXX Police Department confirming the fraudulent nature of the account, XXXX, Experian, and XXXX have refused to remove it from my records. XXXX has already taken appropriate action by eliminating the account due to Identity Theft. 

XXXX and Experian failed to furnish any evidence indicating my involvement in opening the account or justification for retaining it on my record. On XX/XX/XXXX, I supplemented my claim of identity theft with further evidence, including a signed document from an in-patient facility, demonstrating my incapacity to engage in any financial transactions, such as securing a car loan, during the period when the fraudulent activity occurred. Despite this, XXXX persisted in its refusal to remove the account, providing no substantive rationale. I am including a completion letter from the facility attesting to my confinement during that time, along with the police report and XXXX affidavit. 

In response to XXXX 's communication on XX/XX/XXXX, asserting the conclusion of their investigation into my identity theft claim, I maintain that their decision is erroneous. They have failed to present convincing evidence or transactions validating my involvement in the procurement of the vehicle. Their continued reluctance to remove the account and inability to provide accurate proof of my presence during the purchase necessitates my pursuit of legal action if prompt resolution is not achieved by expunging this account from my credit reports.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.