davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} SXXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the the fraudulent items several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : 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  1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upstart Holdings, Inc. (AZ)

XXXX XXXX purchased a debt and did not properly notify me of the debt. I never received a debt validation letter, phone call, mail, or email in regard to the alleged debt owed. XXXX XXXX then hired XXXX and XXXX XXXX and field a lawsuit against me, without ever notifying me of the debt owed, the amount, or who they purchased the debt from. After having to research MYSELF who the original creditor was, I found that XXXX XXXX violated the arbitration agreement that states we BOTH waive our rights to court proceedings and ANY DISPUTE would be handled privately in arbitration. I was never notified that I had the right as a consumer to dispute the debt before having a lawsuit against me.
Consumer complaint received 2023-03-07
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

Attacher is a copy of the complaint I sent to LakeviewXXXX XXXX my mortgage company. LakeView has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. 

This behavior on part of LakeView has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I updated my payment profile online to draft my minimum payment from my new bank account. Somehow the payment profile was updated from auto payment of minimum payment due to statement balance. American Express then attempted to charge my account {$21000.00} rather than my usual {$500.00} minimum payment amount. I immediately called them to get it resolved and was told that there was nothing that they could do and to call my bank. I called my bank and was told I could either pay {$30.00} to place a stop payment or allow the account to overdraft or reject the payment. About a week later American Express attempted to draft my account yet again! I immediately called them to see what was happening and this time was told that the system automatically attempts to draw a rejected payment 3 times and that there is nothing that they can do to stop it. I asked for management was placed on hold then told again that there is nothing that they can do to stop it, never getting transferred to a manager. My bank account is now in limbo while American Express keeps trying to charge me an unauthorized amount.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy : Discharged XXXX Reference Number XXXX Amount :
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I went to XXXX to get my TransUnion credit report. Everything processed properly and my report displayed. But when I tried to download it ( clicking the indicated button ), it took me to a PRINT screen, not a DOWNLOAD screen. I did not want to print ... I wanted to download ( as I have in the past ). I closed the PRINT screen and tried to use the online FAQs to find out how to download. There was no information in the FAQs on downloading. Then TransUnion DID NOT PROVIDE A " BACK '' OR " RETURN TO REPORT '' button, and when I tried to go back, TransUnion SHUT ME OUT AND RETURNED ME TO THE ORIGINAL SIGN-IN PAGE. When I tried to sign in again, I got the message that the report was already provided and I could not get it again. It was NOT provided and I do NOT have it and TransUnion does NOT show a way to download it. I tried contacting TransUnion directly online and got no reply.
Consumer complaint received 2022-03-01
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

On XX/XX/2019 I tried to open a Citibank Checking/Savings account online. The system would not accept my address and the wrong address was inserted incorrectly. On XX/XX/2019 I called Citibank so they can update my address over the phone to my correct home address and I spoke with 3 people, including the new account services supervisor, XXXX who said it is company policy that they can not change the address for a new account for 30 days upon opening the account. I informed her that my personal account information is at risk to be sent to the wrong address which could increase the change of fraud. She said there is nothing she or anyone at Citibank could do as it is company policy.
Consumer complaint received 2023-10-24
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (FL)

My wife and I received two {$50.00} gift cards for our birthdays as a gift from our daughter. She purchased " Vanilla Gift Cards '' from XXXX in XXXX on XXXX, XXXX, XXXX. She paid with her credit card. When we opened up the packages that were sealed, we noticed the last XXXX numbers of the XXXX-digit number on the front of the card were erased. These numbers were not punched, they were flat. There were no signs of tampering with the packaging. The cards were placed in the packaging where you were able to see the back of the card and not the front. In my opinion this was packaged at the factory. When we tried to use the cards, they were declined with no money on the cards. I called up the number on the back of the card ( XXXX ) and because the numbers were erased, I needed to submit proof. I submitted via email to XXXX and received a case number. The receipt from XXXX, a copy of my driver 's license and the front and back of both gift cards. I received one replacement {$50.00} gift card and a few weeks later a 2nd replacement card that had on the front of the card typed in " A GIFT FOR YOU {$.00} I called several times and I'm still waiting for the 2nd card. I've researched on XXXX and it seems to be a problem with this company. This is a scam, and they are making it difficult so people will give up and they get to keep your money.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MI)

I opened a truist bank to get paid while i am down south working with my boyfriend. my boss urged me to get a truist so we could do direct transfers for my paycheck. he used XXXX for one of the transactions and apparently it was flagged. i originally live in MI but am working in georgia for work so i am unable to receive mail. which they are saying i need to do to receive my funds. they are refusing to give me any information on what happened. they said i may or may not receive my money within 30-45 days.
Consumer complaint received 2023-07-17
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( XXXX  ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in XXXX?
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

On XX/XX/2024 I went to Garden state community bank located at XXXX XXXX XXXX in XXXX NJ to open a checking account. The Bank advertises an account called my free community checking that can be opened with as little as {$1.00}. I attempted to open this account but I was denied the right to open the account. The reason seemed to be because I insisted on the bank ordering a debit card for the account but the bank manager stated I would need more money in the account in order for the bank to order a debit card. I stated I was going to move my direct deposit from my employer into the account but the bank manager still refused and the bank manager stated that the bank wouldn't allow me to open the checking account. I believe I was discriminated against by this bank. I have contacted the corporate office of the bank and I am filing a complaint against the branch.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I obtained a XXXX  XXXX  credit card backed by Synchrony Bank. I have a small credit limit of {$1400.00}. I was initially able to use my credit card with no issues. On XX/XX/XXXX I made a payment of {$1000.00}. This money was deducted from my checking account and posted to my credit card balance thereby reducing the amount owed on my credit card. This money has been deducted from my checking account and the transaction is finalized by my bank. 
As of today, XXXX  has not released these funds for use. I contacted them and was told it is their policy to flag certain transactions and place a hold to ensure that the paying bank does not recoup funds. I was told that I can access my credit on XX/XX/22 at XXXX. 
In summary, I have a {$0.00} balance on my credit card and a {$1400.00} credit limit but I can not access my credit until XX/XX/XXXX at XXXX due to an arbitrary " policy '' that holds my payment in limbo.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I used my chase checking account to send {$1800.00} through XXXX, to my wifes account at XXXX  XXXX XXXX. The money left my account immediately, but never went to the XXXX  XXXX XXXX account. My wife called her bank, as it said pending on the XXXX  XXXX XXXX app. They told us it was not in the account because it looked like chase never released the funds, and we needed to talk to them. When calling chase they assured us it was sent to XXXX, gave us the confirmation number and said we needed to talk to them. After numerous calls back and forth between the two banks relaying the info they told us it came to the conclusion we needed to file a claim with chases fraud department. After a week they reimbursed the money to the chase account. A week later we received a letter that the claim was closed, there was no fraudulent events and they were taking the money back out of the account. When I called them again asking why it hey said because the money was at XXXX  XXXX XXXX and there was nothing more they could do for us. Again we called XXXX  XXXX XXXX and they said chase never did anything to find the money, that they didnt have it and also could do nothing for us. Now our account is negative {$1800.00}, yet we still didnt receive the transfer money in our XXXX  XXXX XXXX account. Chase has closed the account and no longer want to help us as they said it is not their error. Even though XXXX  XXXX XXXX said as it is the receiving bank and doesnt have the money!
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (IL)

Unauthorized dispute IC system, kindacare, and all inquiries are unauthorized on my credit report and should be removed Immediately for. XXXX XXXX XXXX and XXXX
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. ()

We have recently faced issues with using the Blockchain.com Wallet, regarding the correct display and loading of the balance page. The problem occurred recently, and many acquaintances and I have not been able to view our balance correctly, and the function to send and receive funds using the wallet. 
The issue occurred on XXXX XXXX, 2021, on multiple accounts. 
We believe is there is a server error. 
We have already tried contacting Blockchain.com on two occasions, but we have yet to receive a response. 
We ask for your assistance in trying to contact the company, so we can resolve the issue.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I would like to file a complaint against Google Pay Mobile Wallet. 

Google rolled out its new Google Pay App in XX/XX/2020 and it is a nightmare. I received some money from my friend on XX/XX/2020 and would like to transfer the balance to my external bank account. The transaction got declined. I reached out to customer service and soon had a callback. The representative understood my problem but could only create a ticket and told me that a specialist will contact me in 24 hours.

I received an e-mail notification telling me that the problem has been resolved and I will need to wait for another 24 hours before my Google Pay account can be fully functional. I tried again on XXXX but the problem still existed. I reached out to Google again and was told to wait for 24 hours to be contacted and followed by an E-mail saying the problem was resolved.

After another 48-hour wait, I tried again and still can not transfer out my balance. I contacted Google again and found myself still trapped in the same loop. Wait for 24 hours to be reached and another 24 hours for Google Pay service to be normal. It turns out that Google continues to lie to their customer. They unlawfully hold my money and block me from accessing it. 

Some of my friends also have the same problem accessing their funds. During my third call with Google, I learned from one of their senior specialists that there might be some system glitches. I believe Google should not roll out its new Google Pay at the beginning if they knew the system is not ready. This is totally not acceptable. 

Today is XX/XX/2020 and after my third attempt. I completely lose my patience with Google Pay and decide to file a complaint against Google.

Here are the case numbers I got from Google : XXXX, XXXX, XXXX. They said they have fixed the issue in each of them but apparently, they made zero progress.