davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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. (NJ)

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. I recently had to open a new bank account because of this problem yet again. Because my personal information is out there and I can not get it back I anticipate this perhaps being a problem for many more years to come. When I was made aware that the automatic payment did not reach This credit card issuer I used another means to get the account corrected. It was not 30 days late however that information is incorrect. I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NC)

I ended up at this practice, XXXX XXXX, because of its great reviews, but didnt know Id end up with the surgeon who I later found out had all of the bad reviews associated with the practice. They also went out of their way to hide the bad reviews. 

XXXX was the credit card suggested by the business. XXXX immediately suspected fraud and wouldnt allow XXXX XXXX or XXXX XXXX to make the charge. I, wanting no problems with the doctor with my care in his hands, sided with the practice and told XXXX that they were trust worthy, vouching for them against XXXX research. I didnt know at the time that the business was actually closed. 

XXXX XXXX failed to answer many questions before XXXX and never showed me what was to be done. There was no use of markers on my body or anything pre-op to give me a general idea. Instead, it seems he just went in and made decisions as he went. He seeemed to continue this practice post-op, taking vacations shortly after my XXXX and even appointing someone else to remove my XXXX  because he wasnt present. 

After a very short amount of time it was clear what he did was clearly a botched XXXX, but dismissed my claims early on and told me to wait 9 months before talk of corrections. He would repeatedly dismiss all of my concerns saying youre young, youre healthy, dont worry. By the time 9 months came, he had been fired from the practice I saw him at. 

Im now left with what the practice concludes is a XXXX and a XXXX. I had many complications in my XXXX area, including an XXXX  that had found its way through my XXXX muscles. I had no idea and it could have been found early had XXXX XXXX and XXXX XXXX himself followed up with the post operation care I should have gotten. I paid for XXXX and follow up and got a mediocre XXXX with minimal follow up. 

I paid the majority of the debt but refuse to pay for the rest. I told XXXX that they were right and paid them the part for the XXXX but didnt pay for the follow ups I never got. They continue to call and sent me to collections.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (SC)

On XX/XX/2022 I called Citibank to report a fraudulent charge, after which they advised that this charge was happening every month since XXXX so they recommended I cancel my debit card and get a new one. Since this was a Friday I was concerned I wouldn't have access to money the whole weekend but the representative assured me it would be " over-nighted ''. I never received it on Saturday so I called Citi on Sunday, I had to call 3 times before anyone on the other end would respond, it was just silence once I started talking. On the 4th attempt I was told the card was delivered ( lie # 2 ). I then called a 5th time and was told it takes 1-2 biz days so I was lied ( lie # 1 ) to when I was told I would have it over-nighted. On Monday, XX/XX/XXXX, I still didn't receive the card so I called and was told since I didn't receive it I would have to order another card and was told yet again, it would be over-nighted ( lie # 3 ). All this time, I have no access to money and can't do any banking online as access is restricted since I don't have a new debit card. When the 2nd card was ordered, I requested a tracking # so I don't have to keep calling Citi but I never received the tracking. I then called again this morning ( Tues ) to find out when my card would be arriving. The 1st rep left me on hold for 30 minutes so I called back again and asked for a supervisor, she said the card takes 1-2 biz days so once again, I was given misinformation on Monday by being told it would be over-nighted. Now I am demanding a tracking # and was sitting on the phone for another 30 min while the supervisor is trying to get the tracking #. So she insisted she would call me back with the info and I said, I don't trust you will but being I am at work I couldn't hold any longer. She never called me back and I still don't have a debit card or tracking number. Citibank is absolutely horrible, negligent and unprofessional giving all kinds of misinformation. I detest banking with them and I will most certainly be switching banks.
Consumer complaint received 2022-05-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Its been over XXXX days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment/collection. They have not supplied this information and they must delete/ update to paid as agreed or never late the alleged late payments on my credit report. Under federal law they had XXXX days to complete the investigation and by failing to do so the item must be deleted/update to paid as agreed or never late from the report as soon as possible. I have sent multiple letters asking for proof/details. The credit reporting agencies just respond that everything is updated or verified as accurate. I have sent letters to Transunion, XXXX, XXXX and XXXX XXXX XXXX. 



In accordance with the Fair Credit Reporting act 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 rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX XXXX I received a letter XX/XX/XXXX stating late payments would be removed. Since then, theyve been removed then placed back resulting in me losing XXXX points from my reports. 

XXXX XXXX XXXX Ive reached out via mail to send me all documentation in their possession on the alleged debt on my account for review XX/XX/XXXX. I have since then received no response or deletion, therefore it should be removed. 

In addition, my open account with XXXX XXXXXXXX keeps reporting in the middle of, my statement date ( before Im able to pay off balance by statement ) resulting in me losing XXXX points from my reports. 



Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I went into XXXX dealership to test drive a car on the date above and my credit was ran twice. As a result, I would like both inquiries removed. 

XXXX XXXX XXXX XXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am unaware as to where this inquiry came from, I didnt authorize this inquiry. 


Resolution : Delete inquiries, delete late payments or update as paid as agreed and delete collection. 

XXXX violations- I expect to receive compensation for each item inaccurately reporting/ reinserted. 

FCRA Section.

611 Part ( A ) ( 1 ). No valid response within 30 days XXXX, XXXX, Transunion and XXXX XXXX XXXX FCRA Section 604 ( A ) ( 3 ). Pulled report without permissible purpose XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX FCRA Part ( A ) ( 5 ) ( B ) ( ii ). XXXX XXXXXXXX late payment reinsertion XXXX XXXX Bank -Payments XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (WA)

On XX/XX/2023 I contacted Cashapp via their chat support because my purchases with my Cashapp Card with a Visa logo kept getting declined. I was told my card had been deactivated yet Cashapp never notified me that they were going to do such a thing. And when I ask why they refuse to give me a reason. I believe it is in retaliation for my recent complaints to the Attorney General 's Office and to the Consumer Financial Protection Bureau wherein I ask for Cashapp to be investigated for what I believe are unlawful financial business practices, especially with regards to how they handle disputes.
Consumer complaint received 2022-05-24
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # 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 2022-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

First, I have been a valued customer of Bank of America for decades. My payment history is excellent on my personal cash rewards card. 
In XXXX, unbeknownst to me, I was a victim of Identity theft. Someone opened a business XXXX under the name XXXX XXXX, XXXX using my name and social security number. A year later, the account was closed, marked as fraud, and the delinquent money owed was written of to collections. Nobody at the bank notified me of this fraudulent account at that time. 
Now in XXXX I applied for a personal travel visa card to use overseas, but I was surprised to find my application was denied, due to the link that was never erased. I have written to the CEO of the bank ( registered mail ), and have spoken to dozens of customer service people in various departments : credit dept., fraud dept., etc. 
I went on my trip and incurred hundreds of dollars in transaction fees and exchange rate fees which I wanted to avoid with the card I didn't get. 
I have since found out that I am on the XXXX  XXXX  (? ) which I have never heard of before. 
My complaint is with the Bank of America. This was an internal mess up. 
The credit agencies do not have record of this fraud as they were not informed. 
I was not informed. The Bank of America should throw out the old fraudent business account, or at least unlink me to it. The wrongful connection has cost me money, plus I will continue to be denied any future applications for additional cards.
Consumer complaint received 2021-12-13
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. (GA)

XXXX XXXX XXXX obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX XXXX obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.
Consumer complaint received 2017-11-03
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: SYNCHRONY FINANCIAL (GA)

Hello. My name is XXXX XXXX. I pulled my credit report on XXXX XXXX, 2017 and it showed a hard inquiry from synchrony bank. I never used this company. I called they company and they had no knowledge of my formation. I did not authorize anything with this company. I ask them to remove it but they stated to me they have no information therefore they can not remove it. They then told me to called the credit bureau so i then called XXXX and XXXX  and they were no help. Not sure if this is a fraud action but I would like it to be removed from my credit. 

I also would like an inquiry removed by XXXX XXXX. I have made on time payments but the inquiry is still there. I would like the inquiry removed please.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have submitted a FTC Identity theft report to each company and collection agency due to identity theft and they still are reporting the account and calling me. I have also sent the police report and ftc report to each credit agency and they are not helping with this situation saying the collection companies have to delete.
Consumer complaint received 2019-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2019 I wrote to XXXX XXXX  about a Fraudulent Charge of {$1700.00} on my XXXX/XXXX  XXXX concerning the letter they were going to credit my account in 10 business days. Unfortunately, Capital One/Walmart took over the account in the middle of this transaction and I called Capital One and Capital One rep said after holding about 50 minutes that due to the transition XXXX XXXX  needed an additional XXXX business days. I called Capital One back after the XXXX business days and they said it would be best if I talked to them directly and gave me the number. XXXX XXXX told me the transfer was complete to Capital One and no further servicing of the accounts was going to take place. I call Capital One back and again placed on hold for an extended time while he talked to managers and came back and said my credit would happen in XXXX business days. I waited and nothing happened so I called Capital One back and after almost an hour they were to deposit the money in my account on XX/XX/2019. Then I talked to a woman named XXXX that said she was not going to honor those statements, even though verbal agreements are valid in the State of North Carolina and she needed additional information. I gave her what I had and sent a complaint to the vice-President of XXXX XXXX  to release any documents Capital one needed. It appears as you talk to different people that feel it is ok to come up with different answers and solutions and the customer has to put up with this action that includes breaking the law.
Consumer complaint received 2021-12-09
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. (FL)

Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ACE Cash Express used XXXX tactics to gain money for a debt. They harassed us over the phone, they had a phony law firm call us and threaten us with legal action and thousands of dollars in legal fees if we did not take action immediately. They said they were XXXX XXXX XXXX  .... the only " XXXX XXXX XXXX  '' is a personal injury firm, irrelevant to collecting debts. They sent us fake documents stating that legal action will be taken if we don't email them the documents back signed. They only received {$200.00} from us before we caught on. In XX/XX/2014 there was a settlement against Ace cash express for this very same thing. Im here to inform you they are continuing their XXXX  tactics.
Consumer complaint received 2021-04-19
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. (GA)

I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation of this account but no avail! If they can not validate it, how can you report it? Its identity theft so why I still have this unknown item in my credit report? Only two bureaus reporting this account.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

We have been trying to remove a freeze that we did not place. We called XXXX, and they told us to fax in documents including birth certificate, drivers license. We faxed it and waited. Called back and they say it was never received. Our send sheet showed it was received on their end. Called again, but they deny ever getting it. Then they said it was in the stack but they were running behind. Nothing. We called again in XXXX and they said we had to mail the paperwork. I sent it by Priority mail and it was signed for on their end. They deny having it. It was signed for by their agent on XXXX XXXX, Called again and they deny having it. We repeatedly told them their agent signed for it on XX/XX/XXXX. Asked to talk to another agent. He said they should have it, just running way behind. Its now XXXX and they still haven't done anything, and suggest mailing again. We can not proceed with a home loan without the XXXX report. We need help dealing with them.