davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, a fraudulent charge in the amount of {$73.00} was charged to my Shell Mastercard ( Citibank ). I immediately made a call to Citibank and attempted to put in a fraud claim, and the representative told me I needed to wait until the charges cleared to take any action, and could not even deactivate my card. The web portal would also not let me report my card as stolen at this time. Believing the representative, I let it be. 

On XX/XX/XXXX, a second fraudulent charge in the amount of {$350.00} was charged to the same card. I ( again ) immediately called Citibank to report the issue. The representative I reached this time was able to initiate a fraud claim and deactivate my card, as well as temporarily reversing the charges pending investigation. 

On XX/XX/XXXX, Citibank reached out, but I have not been able to return their calls due to the opening hours of their Security Operations department ( XXXX M-F ). On XX/XX/XXXX, I attempted a call, but I was then informed of their hours and was unable to proceed ( the XXXX is a saturday ). 

On XX/XX/XXXX, this fraud claim was denied, with no evidence provided as to their decision. I placed a call to Citibank to attempt to escalate or resolve the issue, but they informed me the department in question ( Security Operations ) is not open and could do nothing whatsoever.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act 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 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act 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 2023-02-11
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. (FL)

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. 

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 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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (MO)

Money was stolen out of my account and transferred to an account that was opened fraudulently and they filed disputes ND said I would have my money on XX/XX/ then turned around and denied my disputes on XXXX XXXX XXXX  and now they just keep saying they are sending it to their higher ip department ove already submitted the police report and the XXXX paper and still haven't heard from them and they closed my account on XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-04
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)

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 verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : XXXX  XXXX   XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ;
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The accounts listed are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-05-21
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 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 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (GA)

I know it's been a minute since I filed complaint # XXXX but the only resolution offered to me by NewRez was that they retaliated against me by dragging it out for another long period of time and then they sent me a contract that they had altered without telling me- they tried to sneak an ARM interest rate into the mix rather than honor the 2.7 percent rate that they offered me. They are truly scam artists using " the old bait and switch '' as a last attempt to cheat me. This was all just a scam to keep me from taking my mortgage elsewhere. Is that even legal? 

After I filed the complaint I got a email assuring me that some higher up at NewRez would reach out to me. Never happened. And that my loan would be given priority. Never happened. I guess there were way more people to cheat than they could keep up with and harassing me was getting boring for them. Either way, they clearly don't take complaints to your organization seriously or just as an opportunity to continue to XXXX around with people. 

Like I said, I complained, they retaliated and we all moved on. They had the additional nerve to send me a notice that since I didn't sign the contract it was my fault the re-fi didn't through. Never addressed the false claims of a 2.7 rate they offered me. 

Since I have learned that mortgages with this company ( and mortgages in general ) are just a big scam, I will not bother them anymore and just walk away when I am ready to do so. They are truly the worst of the worst and I am happy to tell everyone and post that information whenever it comes up.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing today to seek assistance in disputing the following hard inquiries on my Equifax Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Equifax directly. Equifax has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

1. Firm offer of Credit 2. Insurance 3. Employment 4. Court Order The following XXXX ( XXXX ) credit inquiries are related to none of the aforementioned permissible. 

- XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please assist me in coordinating with Equifax to see these inquiries removed from my credit report immediately.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (DE)

Hi There ; I am XXXX resident for USA, XXXX XXXX, Living in XXXX XXXX and own my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with document number XXXX and XXXX Number XXXX with its registered address through our registered agent as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX DE XXXX. We are paying regularly the yearly fees for XXXX membership as well as registered agent XXXX XXXX. 

In XXXX we had opened our business account in Transfer Wise, now its Wise and account number allocated to us as Account holder : XXXX XXXX XXXX XXXX. 
Routing number : XXXX Account number : XXXX Account type : Checking Address : Transfer Wise XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States We had published this account to our XXXXwebsite payments and were receiving payments smoothly. Also we were sending payments/ costs to our vendors from same account. 

This month while receiving a reoccuring payment from our client in XXXX XXXX XXXX XXXX for amount of XXXX USD, Wise terminated our account without prior notice, took online access from us, so we could not get our money from the account balance. We submitted appeal in their online system, they accepted our appeal and we got back the login information, but account held blocked temporarily. We initiated our balance to move out to our other bank account but these transfers were kept on hold, saying we are checking details. 

Now account is permanently closed with no access to account. Money which was in balance is not received and we lost our clients with this tricky behaviour of our bank.
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (PA)

Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SinglePoint GI (OR)

I am attempting to transfer to a University in Oregon but I can not due to defaulted loans. I'm not sure how much I owe. I don't feel comfortable giving out my contact information to General Revenue Corporation just to retrieve information. With the recent student loan forgiveness, isn't this illegal?
Consumer complaint received 2022-05-21
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. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-21
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. (TX)

I am writing today to seek assistance in disputing the following hard inquiries on my Transunion Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Transunion directly. Transunion has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

1. Firm offer of Credit 2. Insurance 3. Employment 4. Court Order The following thirteen ( 13 ) credit inquiries are related to none of the aforementioned permissible. 

- XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please assist me in coordinating with Transunion to see these inquiries removed from my credit report immediately.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Robert L. Tankel, P.A. (FL)

I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (MA)

Someone placed a hard inquiry using my information between XX/XX/XXXX and XXXX. 

I have made 3 other attempts to speak with someone XXXX and 3 times been told I was being forwarded to the fraud department for further investigation. 

I did not authorize this inquiry and request that any application, account and hard inquiries are removed immediately. 

Please note I know this is fraud as I do not and have never resided in New Jersey.
Consumer complaint received 2017-11-21
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)

On Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gotham Collection Services Corp. (NJ)

The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later Gothem Collection Services Corp make a move with XXXX XXXX XXXX XXXX XXXX , XXXX.got a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights.  Gotham Collection Services Corporation and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and XXXX list for ever atleast in your Department.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I placed an order on this website : XXXX XXXX XXXX When I checked out, it took me to the PayPal page of XXXX XXXX XXXX XXXX ). I made the payment- which is this transaction. I never received any confirmation email from this website for my order and I suspect this is a fraud site and PayPal account. I need a refund of the amount I paid - XXXX USD.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFBP write up In accordance with the fair Credit Reporting act 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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. (MI)

Hello, On XX/XX/XXXX a hard credit inquiry was placed on my credit report for XXXX XXXX ; I contacted XXXX XXXX and also filed a dispute with Equifax on XX/XX/XXXX Confirmation number : XXXX. On XX/XX/XXXX, I received an alert from Equifax that my investigation was complete and the inquiry was accurate ; this is laughable and infuriating as the inquiry is not accurate. XXXX XXXX called me on XX/XX/XXXX at XXXX EST, I spoke with XXXX XXXX XXXX XXXX, from XXXX XXXX XXXXXXXX XXXX who investigated my complaint and confirmed that this was indeed fraud. XXXX explained that everything is done online, the account was opened under my previous name, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX XXXX, MI which I haven't lived at since XXXX. XXXX closed the account, placed a block on it and advised he'd be sending a letter of confirmation to my current address. 

I am requesting that Equifax actually do a complete investigation and remove the fraud inquiry, immediately. Equifax can actually reach out to XXXX directly and he can also confirm.