davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

In an effort to set the foundation of this matter please note for the last 18 years I have been a XXXXXXXX XXXX XXXX XXXX  and there are numerous times I'am out of the area XXXX XXXX XXXX XXXX. Moving forward in or around early XXXX of XXXX, as my accountant was preparing all my documents for tax season, it was brought to my attention two withdrawls that were not accounted for. Upon recieivng this information, I immediately went to my nearest branch to request the information in question. In addition, upon outlining the situation at hand, I was instructed to contact US Bank and their fraud department to start their process. Upon opening my intial claim over the phone, I was instructed to return to my local branch to review and sign some forms. 

Upon my arrival back at the branch and after carefully reviewing the documents with the Bank Manager and my Accountant it was apparent that my signature was fradulantly used and forged on two seperate checks. Based on the information presented, and the fact that the first check only appered and showed ( XXXX ) on my line statement with the second check showing ( XXXX ) which was out of sequence it was virtually impossible to notice the forgery until actual copies were pulled and copared to my actual signature. Based on the fact ( s ) I was instructed to file a formal police report which upon meeting officer XXXX XXXX he clarly noticed that the signatures in question did not match and the check numbers were out of transactional sequence. After taking all supporting documentation and signing my Affidavit, I was told I would be contacted to pick up my report upon their investigation. A few days later, based on the information provided to me, I emailed and faxed All insformation to US BANK at XXXX and even faxed the documents to XXXX. 

It has now been several weeks since this information has turned my world upside down as the money in question was for my XXXX XXXX XXXX. In addition and after discussing the matter with the Bank Manager, XXXX XXXX, and my accountant I'am at a loss for words why the forged signatures were not picked up by the bank and rejected based on the amounts themselves. Moreover, the branch manger told me that US Bank had an obligation to pick the forgery up under UCC-4-401 which states if a forged instrument existed the instrument could not be properly paid. She even went so far as to write that information down to supply to law enfrocement of US Bank if requested. 

In closing, it has now been several weeks and I have not received even a phone call or letter and I have had to call in multiple times per week to check the status only to be told its on the last bar whatever that means. In addition to having to close my account ( s ) down, close numerous credit cards and place security freezes on all of my credit files no monies have yet to be redeposited or credited.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Hi, I opened a Citibank checking account and did not receive my sign-up bonus after meeting their requirements. Here is a series of events : - Signed up on XX/XX/XXXX - Funded account with {$75000.00} before XX/XX/XXXX - Did not touch funds until XX/XX/XXXX ( and still haven't touched funds )- Have not received the {$1000.00} sign up bonus for meeting requirements ( see attached for promotion ) - Raised this on XX/XX/XXXX online and over two phone calls and was told that I needed to submit identity verification via IRS form ( sent the form the day after and was told it would take two weeks to process ) - Received code XXXX XXXX XXXX XXXX XXXX after calling in again and was told " they are working on it '' and I should have the bonus by XX/XX/XXXX - Did not see the bonus hit the account on XX/XX/XXXX and called in. I was told that it would take another week. Have received nothing yet. 

I was told numerous times that I would receive email communications with updates and I have never received these emails. This is getting pushed down the road and quite frankly I do not believe anything they are saying. 

Best, XXXX XXXX
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.
Consumer complaint received 2020-08-05
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (MI)

Ordered an item through PayPal XX/XX/2022. Tried to cancel since money went to a different location then agreed. Was ordered USA transfer went to XXXX. After XXXX was taken out in XX/XX/2022. I disputed with paypal. Was told I had to wait since money to be received by seller XX/XX/2022. I have tried to get a refund through PayPal and fraud at my bank. Item never received. No one can help. PLEASE HELP. This was fraud!! 

XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

in the month od XX/XX/2020, I made my monthly call to Santander Consumer to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find Santander reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments Santander said i made. Thank you.
Consumer complaint received 2020-10-02
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. (NC)

in the month od XX/XX/2020, I made my monthly call to XXXX XXXX to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find XXXX reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments XXXX said i made. Thank you.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery Service alleges an account ending in XXXX which is unknown to me. I have asked for verification/validation of this this alleged debt be original creditor which has not been received. Violation of FDCPA and FCRA, as this has harmed me financially.
Consumer complaint received 2020-10-02
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. (NV)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2020-08-05
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXXXXXX {$210.00}
Consumer complaint received 2020-01-08
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: FC HoldCo LLC (IL)

I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-08-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Deleted any thing off your credit!!!! 



In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX {$3300.00} 2. XXXX XXXX {$450.00}
Consumer complaint received 2020-10-02
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. (FL)

I called on the phone with all 3 Credit Bureaus also Capitalone I told Experian I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, 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 2020-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (FL)

On XXXX XXXX I switched carrier from XXXX to XXXX XXXX XXXX I called to let XXXX know, and that I would wait for the final bill, when I received the final bill I did not agree with the balance so I went to a XXXX  authorize store to call into customer service to confirm who I was so I could speak with an agent to find out what my correct final balance on my account I was told in the store on the phone {$370.00} which included equipment charged so before I could pay I received another bill I call in on XX/XX/XXXXpaid XXXX than on XX/XX/XXXX I paid {$120.00} which should have been the final payment end bill. I received another statementXX/XX/XXXXcalled XXXX was told Ms. XXXX you don't owe us anything I will make sure you don't receive anymore bills that went on until XX/XX/XXXX so I went back to the XXXX authorize store spent 2 hours in that store back and forth on the phone with every statement that had with me we called Receivables Performance Management LLC and they sent me to back to XXXX customer service this went on for 2 hours no one would help me finally the agent in the store ask me for all my statements and looked at them he said Ms. XXXX I apologize that it took this long for someone to take the time to explain what is going on with your bill who ever that agent was met that one month of equipment charges where included in your final bill not that it was the remaining amount of the equipment charges which was the {$290.00}, I paid on XX/XX/XXXX {$290.00} which it took 7 months for some one to help me with this in stand of telling me every month when I called you don't owe us anything I will have it taken care of, now I need it removed from my credit or it will threaten the option of home ownership for me, please I need help getting this removed to help my credit score go up. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following XXXX XXXXXXXX {$240.00} XXXX  XXXX {$360.00} XXXX Dot XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

XXXX XXXX
Consumer complaint received 2020-08-05
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. (TX)

XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and EXPERIAN claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (GA)

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
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. (MD)

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added my daughter to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the Transunion and XXXX are claiming that the debt is valid and correctly reported.
Consumer complaint received 2020-08-17
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 (IL)

I bought from XXXX an XXXX XXXX in XXXX, and they a mistake by sending five boxes instead of one. I returned all the boxes to XXXX, and XXXX credited my account with Discover Card which was charged. Discover card did not acknowledge the credit and they still are charging me with the price since that date until today. The amount is increasing over time for their charges. The charge today is {$780.00}.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.