davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX I received two fraudulent charges of {$100.00} and {$70.00} from a vendor called XXXX XXXX XXXX from XXXX. 

I notified Wells fargo and the denied my claim.I had asked them to send me proof on what they used to base their decision. 

All they sent to me is a copy of the electronic transaction.They did no review any receipts or could even tell me what was purchased since I do not even know what was purchased. 

They stated since card can not be duplicated then it had to be me or someone with my permission that made the charges. 

I think it's very unfair for a bank to assumea consumer made charges with out any real proof.
Consumer complaint received 2018-09-28
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. (PA)

Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX .This is Fraud ... someone stealing my name applying for stuff in my name
Consumer complaint received 2018-09-28
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. (PA)

Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX.This is Fraud ... someone stealing my name applying for stuff in my name
Consumer complaint received 2022-06-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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: SYNCHRONY FINANCIAL (OH)

I believe this company is keeping unnecessary balances on your purchases just to collect interest. I made a purchase on XX/XX/XXXX {$50.00} and still had a balance of {$6.00} on XX/XX/XXXX. On XX/XX/XXXX I had a purchase of {$23.00} and on XX/XX/XXXX I still had a balance of {$1.00}. I have others also. I don't understand how they can do this. I really feel it is so they can continue to charge interest. I feel this is a fraudulent act. They are ripping people off. A lot of times when you look at your bill on line you don't see these charges. I think people should be made aware of this and check their bills closely .Look under promotional purchases. You can't see them all but you will find some.
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

I was in the hospital from XX/XX/17 thru XX/XX/17. For medical insurance I am double covered. Every bill for that 5 days has been paid but these two : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$160.00} Both bills are trying to be collected by Grant Mercantile Agency , Inc. XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX. 

As stated before, I was doubled covered by XXXX which I no longer have information for. The other is XXXX member no XXXX XXXX case no. XXXX. Both of these bills are in collection because of insurances not being billed correctly. I am on XXXX XXXX and don't have the income to pay these bills.
Consumer complaint received 2022-05-31
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: GOLDMAN SACHS BANK USA (KS)

We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results. 
Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund. 
We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights. 

We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights. 

Thank You
Consumer complaint received 2022-05-31
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: Mercedes Benz Financial Services (WA)

Unauthorized credit inquiries on my report. XXXXfrom Mercedes Benz of XXXX . It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

BACK IN XXXX I RECEIVED A LETTER FROM USAA BANK SAYING THAT I HAD APPLIED FOR A CREDIT CARD WITH THEM AND IT WAS DENIED. I IMMEDIATELY CALLED THEM ON XX/XX/XXXX TO LET THEM KNOW I DID NOT APPLY FOR THE CARD AND I HAVE NEVER BEEN IN THE MILITARY. THEY SAID THEY WOULD FLAG THIS ACCOUNT SO NO CHARGES COULD BE MADE. I THEN CALLED ALL 3 CREDIT BUREAUS TO PUT A FREEZE ON MY ACCOUNTS SO NO ONE WOULD BE ABLE TO APPLY FOR CREDIT UNLESS I CALL THEM MYSELF. TWO DAYS AGO I SAW MY FICO SCORE DROPPED IMMENSELY. UPON PULLING UP MY CREDIT REPORT I FOUND SOMEONE HAD OPENED A CREDIT CARD ( USAA ) USING MY INFORMATION. I NEVER APPLIED FOR OR OPENED THIS CARD AND I WAS TOLD THIS ACCOUNT WAS FLAGGED BACK IN XXXX. I CALLED USAA BANK TODAY ( XX/XX/XXXX ), SPOKE TO XXXX XXXX, AND SHE SAID THAT I WILL NOT BE RESPONSIBLE FOR THE {$25000.00} CHARGES ON THIS CARD AND THEY WILL LET THE CREDIT BUREAUS KNOW THAT THESE CHARGES ARE FRAUDULENT. HOPEFULLY MY CREDIT SCORE WILL BE RESTORED PROMPTLY.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2017-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
Consumer complaint received 2022-12-19
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. (GA)

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase transfer to a FRAUD SCAM Brokers : XXXX XXXX. 

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 

The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 

I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

When reviewing my credit report, I noticed a derogatory entry claiming I owe Jefferson Capital Systems ( on behalf of XXXX ) {$410.00}. They claim I incurred this debt in XXXX, 2023. Not only have a not an account with XXXX in recent memory, but I have had a cellular telephone account with a different provider for several years. In addition, I did not receive any notice of this debt by phone, electronic mail, regular mail, or any other method -- either from Jefferson Capital Systems or XXXX. I also did not receive a notice outlining my rights to dispute this debt or request information from the creditor. 

Whether this is due to human error, false identity, or another reason, the abject failure of these companies to make reasonable efforts to contact me regarding the debt before reporting it is alarming.
Consumer complaint received 2022-05-31
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. (VA)

I submitted a letter to the Experian XX/XX/XXXXXXXX  to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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. (VA)

I submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cornerstone Holdings, Inc. (OH)

Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Reference # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish account without my written instruction.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number:90000035827**** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

In Late XXXX, I started learning about credit which made me check my personal credit. When I checked, I seen a fraudulent account from XXXX that was then sent to Credit Collection Services, which is a collection agency. I let them know they were in violation many times. Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability for willful noncompliance [ 15 U.S.C.1681n ]
Consumer complaint received 2022-05-12
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. (TX)

I am a victim of identity theft and I have fraud phone numbers on my personal file ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX