davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (AL)

XXXX XXXX has certified and verified that no such transaction is found in there system for my card! 

This is a criminal lawsuit I can not wait any longer bc I have proof my card was not charged and it is illegal to hold someones money when I have provided proof from merchant whom has no transactions for my card. I am going to blast cash app all over every website possible with bad reviews and to the ceo of this company if I do not get my money today in the amount of {$68.00} you have held with cash app for no reason AT ALL, AFTER I verified with merchant and sent proof of this they have no transactions what so ever for my account or card! 

Please credit my account immediately.
Consumer complaint received 2023-03-10
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2024-03-11
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. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information.XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Marlette Funding, LLC (CA)

I paid XXXX by check to Best Egg Card Services. My bank mailed the check to their office. The check was cashed and never applied to my account. 

The following was their response : Thank you for contacting Best Egg. In looking at the attached, it appears your check was cashed by XXXX, and not received by Best Egg. You may want to reach out to them as to the status of your funds. If you have any questions or concerns regarding this matter, please contact us at ( XXXX ) XXXX. 

This is what I wrote back : I don't understand. I mailed it to this address last month and it was applied to my account no problem. Is this not your mailing address? If someone else got a hold of my check at your address then don't you need to do sue diligence and figure out who is taking checks from your business and where they are going? Please help me understand as your answer is very vague. 

This was their response : I am reaching out to our payment processor to identify how the check was cashed by XXXX but intended for Best Egg. Once the research is completed, and we are provided the funds we will back date the application. We will be in touch shortly. 

I have not heard back despite my best efforts and have yet to be credited almost two months later. Someone stole my check from the office and cashed it. I want a credit as the error and issue is on their end.
Consumer complaint received 2022-05-25
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: Credence Resource Management, LLC (CT)

I have had many issues with XXXX and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to XXXX has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my XXXX credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is Credence Resource Management for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with XXXX due to their constant credit profile roadblock tactics.
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I currently bank with us bank and was a victim of fraud where someone cashed checks out of our business account. I filed a claim with the bank and went through a lengthy paperwork process and got the funds refunded back to me. Then few months after the same thing happened and I went through the same process of filling a. Claim and police report. After 2 months I get a letter stating my claim was denied. I contacted the bank immediately and was told that in the claims paperwork was a form called the indemnity Agreement which relieved that bank for any future fraud. At no point was I explained what I was being asked to sign nor was I ever told to close my account down. I have been left high and dry by my own bank and has put my business in a financial bind due to the non reimbursement of the fraudulent charges.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (MD)

***THERE WAS A TYPO IN PREVIOUSLY SUBMITTED CASE : XXXX : IN GOOD FAITH, I AM RE-SUBMITTING THE CASE. THESE ARE NOT NEW ISSUES FROM THE PREVIOUSLY SUBMITTED CASE. *** Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, altered its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did NOT receive an installment loan from Flagship with payment terms of 1 month. XXXX : I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered the account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
Consumer complaint received 2017-11-11
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. (MA)

I found a hard inquiry on my TransUnion Credit Report from a company called XXXX XXXX. I never requested credit from this company, there should not have been a hard inquiry. 

This is the information : Dated : XXXX XXXX, 2017 Institution Information XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-29
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 (FL)

XXXX XXXX 2017 {$520.00} Credit limit is {$200.00} Sent proof of receipt payments that rental was being paid through XXXX XXXX. Allowed rental company to recharge and go over my credit limit of {$200.00}.
Consumer complaint received 2018-06-03
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: Ad Astra Recovery Services Inc (TX)

XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX has violated my rights. Or a 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 2024-03-11
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

I recently received a bank card from MT bank, which I have never heard of. I did call the bank and they did warn me that someone opened an account with them and they arready blocked it anyway. They had my social security, of course my name and Address. The card came to me home address. The bank did tell me to let the Credit bureau know that my identity as been stolen. Therefore I m letting you know that someone has my SS # and they are trying all sort of things please put a stop to it as soon as possible. 

Thank you
Consumer complaint received 2022-11-08
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023, I received a debit card from Capital One for an account I did not open. I called Capital One the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through Capital One was still in process. I checked my credit report and found hard inquires from Capital One for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with XXXX.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (CT)

I have had many issues with Equifax and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to Equifax has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my Equifax credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is XXXX XXXX XXXX for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with Equifax due to their constant credit profile roadblock tactics.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX acct XXXX, XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2015-07-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Best Service Co.,Inc (CA)

The Best Service Co. is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (VA)

My account was frozen about a month ago and the way I found out was via the message on top of the bank section of the app. It asks me to contact the fraud prevention team to resolve the matter. I have left several voice-mails between every few days and no one has returned any of my calls. Any attempts to reach someone through the Sofi app have resulted in being automatically redirected to the fraud prevention team who has not returned my calls. I tried their online chat, the system automatically stop proceeding any further and asked me to contact the fraud prevention team. I tried their XXXX support direct message, no one responds. Calling for banking support personnel resulted me getting directed to leave a voice mail to the fraud prevention team then wait. Banking support said there's nothing else they can do. After numerous complaints they finally called but I missed the call. I immediately called back to leave the message hoping to get them to call me back but to no avail to this day.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (NV)

I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.