davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Between XX/XX/XXXX and XXXX, 2021, about {$350.00} worth of charges were made on my credit card at highly suspect merchants. These included nearly {$140.00} for pizza ( I have lactose intolerance ) and three separate small charges at air vending machines for tires ( I do not own a car ). My card was not stolen, but I believe my card number was duplicated as at least one of the merchants mentioned a physical card was used ( XXXX  ). My bank, Bank of America, has stated after nearly a month of being in " investigation, '' that they are denying my fraud claim. The reason they gave is that a card was present for each of these transactions. The list of fraud charges are below. The most striking part I notice is the three separate small charges at air vending machines, and a soda vending machine. These are all small amounts, typically used to test a stolen card before making bigger purchases. 

XXXX XXXX Wa " XXXX '' [ Phone XXXX ] XX/XX/2021 {$140.00} Note : I spoke with XXXX, Store Manager. She said fraud is pretty common at this store, and they have seen chip fraud. They had not been contacted by BofA at all. 

XXXX XXXX XXXX XXXX WA XX/XX/2021 {$10.00} XXXX XXXX XXXX XXXX WA XX/XX/2021 {$2.00} XXXX  [ Store XXXX XXXX XXXX XXXX, XXXX ] Card was used at XXXX at the electronics register XX/XX/2021 {$55.00} XXXX  XXXX XXXX WA [ Phone XXXX ] XX/XX/2021 {$130.00} XXXX  XXXX XXXX XXXX XXXX WA XX/XX/2021 {$1.00} XX/XX/2021 {$1.00} XX/XX/2021 {$1.00}
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (ME)

In late XXXX, my XXXX Visa card was compromised. In mid XXXX, I noticed 4 transactions for XXXX, totaling a bit more than {$4000.00} on the card. These were not purchases made by me. I contacted XXXX XXXX XXXXXXXX, who researched the issue, and, approximately 60 days later, issued me a credit for the fraudulent transactions. I considered the matter closed. In early XXXX, I began to receive phone calls from Cedars Business Services, a debt collection agency. They would call 3-4 times per day. I initially regarded the calls as " spam '' communications, but, after a discussion with one of their representatives, learned that XXXX was attempting to recover payment for one or more of the Fraudulent transactions from me. 

I attempted to tell XXXX that these transactions were fraudulent, but, they had no documentation that this was the case. 

I attempted to report the issue to the police, but, since I received refunds for the transactions, I was not regarded as the victim of a crime. 

I attempted to secure documentation of the fraud from XXXX, an onerous process that took several weeks, and finally resulted in some vague, general documentation that I had submitted a fraud claim. I provided this documentation to XXXX on XX/XX/XXXX, requesting that they " call off '' their debt collectors, and issue me a letter confirming that these transactions were fraudulent.

I am writing the CFPB for several reasons : 1. To raise the issue that identity theft is difficult for individual consumers to react and respond to in the absence of documentation that the theft has occurred.

2. To say that, from my experience, neither VISA, nor XXXX, has any clear policy or procedure to issue a simple notification that one has been the victim of fraud. 
3. That XXXX, the vendor in question, appears not to have any clear policy or procedure for dealing with victims of identify theft and/or fraud.

4. That the issuance of a clear, unambiguous statement that specific transactions have been determined to be fraudulent should be a right afforded to consumers.

5. That companies should have clear policies and procedures that permit the victims of fraud or identify theft to dispute charges.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is nearly impossible to work with.They have different portals for each product, passwords NEVER stick and then when I try to reset to gain access to MY OWN CREDIT INFORMATION their website errors. 

I literally have to reset my password every single time I log in. I never have this problem with XXXX or XXXX  and it is extremely frustrating how hard to is to access my own credit information with their products. 

What's more ... is when I can get in, the try to charge you for access to your own information.
Consumer complaint received 2020-03-13
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. (GA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s  ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
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. (GA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May  Concern : I received a copy of my credit report and found the following i

tem ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I was a victim of fraud when 3 transactions were made in my name without my authorization, they were for XXXX and XXXX dollars, I knew it because the bank sent me a voice message, when I called them they explained the situation to me, they blocked my debit card and they started the investigation.On XX/XX/XXXX they told me that everything indicated that I had made these transactions and therefore they would not return my money, I believe that the investigation was not deep enough and that the security failed because it was the transactions were the same day with very little difference and no suspicions arose after the first one, notifying me when the damage was done, these conviction was reported by me by phone to the bank.Ihave communicated with consumer attention and with the police where I made a report andwith the company that received the money, hoping this can be solved.The bank is Chase and my name is XXXX XXXX Phone XXXX, email XXXX. Thank you.
Consumer complaint received 2021-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (LA)

During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WA)

My husband received a call stating that me, his wife owed a debt to Synchrony Bank in the amount of {$780.00} and that they came out yesterday to hand my some legal documents. I stated that was impossible as me and my husband was home all day and no one came to the door serving and legal documents. I asked what store was this with on behalf of Synchrony Bank and they stated they could not give me this information to protect them. I asked when was the account opened, but they did not have this information and told me it was closed in XXXX  I stated that why is not showing on my credit report for collections and why would Synchrony issue me more credit after that date/year and that it didn't make sense. I stated that I had to verify the debt before anything and we ended the call. I am very aware of my credit and try to keep it up to the best of my ability and I feel that they are lying about coming to my house to serve papers or whatever and this debt is probably extremely old. The stated that they work for XXXX XXXX XXXX which is a law office. The number give to me to contact was XXXX.
Consumer complaint received 2022-03-23
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These ccounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to Transunion Credit Bureau but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you. Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The company is XXXX XXXX ( Wheels Financial Group, LLC XXXX ). In XX/XX/XXXX I agreed to make payments but defaulted due to COVID. I made arrangements with them and account showed as Charged Off on my credit report. Account should show as Charged Off. Every two months ( In XX/XX/XXXX, now XX/XX/XXXX ) XXXX XXXX opens back up the account and it reflects on my credit as open again affecting me negatively. This time making my credit score drop 60 points. I file the claim through the credit bureau in XX/XX/XXXX about the status of the account being incorrect. It was updated back to Charge Off. Now XXXX, XXXX once again change the status to " open '' and it should be " charge off ''. Can they legally keep on changing the status of my account back and forth.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2022-12-16
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX XXXXXXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-13
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. (CA)

I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.