davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

XX/XX/2023 at approximately XXXX pm I tried to withdrawal {$200.00} from the atm at Delaware XXXX XXXX from my cashapp card. Cash app completed the transaction and deducted {$200.00} + XXXX fee + XXXX atm fee from my account ; however I received no money from the atm. I immediately contacted the Casino manager who reviewed the ATM and transactions and printed me a transaction sheet to show me that my withdrawal was denied on the Casino ATM 's end. He gave me the sheet for proof and told me to file a regulation E withdrawal error as he's seen this happen before. I immediately contacted cashapp and filed a dispute. They denied my dispute stating that I did not contact them within 3 days after filing the dispute as the reason. This is NOT true. I contacted them every day twice a day. They in turn made me file another dispute canceled that and then made me file another. They basically are cancelling my disputes to keep my {$200.00} plus fees. It is not fair. I just want my {$200.00} plus fees back, as the ATM did not dispense the money and the Casino ATM owner has the transaction as denied.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (FL)

CFPB, this is my second complaint to the same company and I truly need help. 

XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : United auto credit explanation To : XXXX This upload is to show that the company United auto credit committed serious fraud by reporting inaccurate information on my credit profile. I do not owed this company a dime, they sold me a lemon with the dealership that they associate with through one of their managers.

In the attachments you will see that I never made a late payments and when I called for them to pick up the vehicle due to several issues, chair stuck toward the steering wheel and doesnt want to move, hood of the car will not close, all windows stuck, I spent {$200.00} at the dealership to fix an alternator, I brought it back again to fix issues with overheating all of these issues where Pryor to making the last payment. After I made the last payment which I would have another 30 days before making another payment, they never sent anyone to pick up the vehicle, I had to make several calls in order for them to finally agree to send me an electronic form to sign and for them to come. After signing the form they still took another two weeks just so they can justify that I am late on the next payment. 
The vehicle was sold at auction for {$7900.00} and yet they are saying that I owed them {$4800.00} because the car was sold for {$3100.00}, the proof is attached of the lies as well as a form that they sent me with no late payments and the total net balance for {$3000.00} I have already made several complaint to the cfpb, the FTC and the credit bureaus are still investigating. 
Also, the company had sent me a settlement offer for {$2400.00} but I refused to pay something that is not accurate, shady, abusive and injustice practice from this company. I never made a late payment to that company and that is why XXXX offer me a car loan really fast so I can continue to go to my many doctors appointment at the VA. With good faith, I tried trading the vehicle but no dealership wanted to take it due to the issues. 
I am making much higher payments right now {$570.00} to XXXX and I am never late and no issues.
Consumer complaint received 2019-10-08
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)

{$60000.00} U.S Department of Education/ XXXX XX/XX/11 : opened US DEPT . OF EDUCATION/GL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2020-02-07
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)

I have had identity theft happen to me with a XXXX  secured card. I have told XXXX  and equifax many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.
Consumer complaint received 2022-07-14
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. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-02-07
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my Equifax credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is Equifax.

I called Equifax and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is XXXX, no public records Why am I denied my report? 

I also called XXXX and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (MA)

Good Afternoon Barclays XXXX XXXX XXXX XXXX was shocked when I reviewed my credit report and found late payment both on XXXX and XXXX of this year 2022 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me on my current address of XXXX XXXX XXXX XXXX XXXX MA, and i've already gave this to several of your representatives at the store.
Consumer complaint received 2020-02-07
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. (MD)

I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (MD)

I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

To whom it concerns my problem exists with a collection agency which is reporting a collection against me. I have asked them to investigate it according to the fair credit reporting act and show me something. they have not done so in the last 6 months that I have been asking them. I have asked for proof of any kind, and they send me a bill with their name on it and says I have to pay. 

I am asking this organization to help mediate the issue with this company which ignores me and my requests and does nothing of what I ask as is my right.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I attended School at XXXX XXXX XXXX in XXXX Florida. 

The school is owned by a XXXX  XXXX ; XXXX. 

The school advertised that their company guarenteed a job XXXX  after graduation with a company who would pay for the education. 

However, during the enrollment and admission, they gave each student a binder with more than 25 documents to sign relating to licensing, school rules, and a finance agreement ( Student Loan ). 

After graduation, I was not given the job I was promised. In addition I learned that the school sold the finance agreement to XXXX XXXX XXXX XXXX {$7000.00} Surprise ) without any advance notification to me. 

Upon learning the school broke its promise of employment and its subsequent transfer of the loan, I reached out to XXXX  XXXX   XXXX  and advised them that I am not employed and asked if they would agree to " recalculate my loan '' and allow me to skip the first couple of payments while I obtained work. XXXX XXXX XXXX agreed to the recalculation and moved the first couple of payments to the back. 

After doing so I made every payment on time and in fact, eventually, paid the loan in full more than six months early. XXXX XXXX XXXX however feels it is within their right to place two late payments onto my credit report in spite of agreement to recalculate the entire loan and reset payment dates. 

The entire education was substandard and the transfer of debt without delivering on the advertised promise of post schooling job placement to a company who will pay for the education was bad. But the actions of XXXX  XXXX  XXXX  who refuses to accurately report the honorable satisfaction of all loan terms is defamatory. 

The relationship XXXX  XXXX  XXXX  has with its producers is wrong at every level. I do not deserve to have this company lie about me on national credit bureaus.
Consumer complaint received 2022-09-05
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. (AZ)

This account is to old to be on my credit report. This was from 2015. XXXX has been kind enough to remove the account but its still shows on my other two reports as well as them reporting missed payments.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OH)

I have opened a credit card with Milestone MasterCard issued by The XXXX XXXX XXXX and serviced by Genesis FS Card Services. I opened the account XX/XX/2022 and closed it on XX/XX/2022. I made XXXX purchases totaling {$45.00} and there is XXXX fraud charge of {$220.00}. The current balance due is {$170.00}. I havent even had the account opened a month and they refuse and wont refund me any of the annual fee. How is it fair that I charged only {$45.00} to the account and then I have to pay thier fees in addition. THIS COMPANY IS A JOKE, THEY STEAL FROM YOU, THEY LIE, AND DECIEPT YOU. THEY ARE THE BIGGEST SCAM OUT THERE. I will pay back {$45.00} that i used. But i am not paying back {$120.00} annual fee to an account i closed less then 30 days ago. I closed it because the rep misinformed me and lied to me and said that my fraud charge made would not be adjusted for 60 days and that i would have to make do with {$100.00} available thats left on the card. They sent me a new card ending in XXXX. I have yet to recieve it. I asked to have the card reinstated and they wont re-open it. So why should i have to pay {$120.00} for annual fee on {$45.00} and a card not open for not even a month. This is pure inconsiderate and intent of harm done to a customer. It would be different if the account was remained opened or re-opened. But im not paying {$120.00}. I will contact a lawyer if they try to turn the {$120.00} in on my credit and send my account to collections. I will file a lawsuit. If they try and tarnish my credit score of a XXXX +, I will pursue them to the fullest extent of the law.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX ( card ending XXXX ) I reported the {$470.00} XXXX Charges UNAUTHORIZED. USAA DISMISSED MY FRAUD. see attatched statement of XX/XX/XXXX. There are NO CREDITS FROM USAA ONLY MERCHANT CREDITS TO COVER TWO RETURNED ITEMS. I DID NOT REPORT THE {$120.00} XXXX XXXX or XXXX {$210.00} as unauthorized in XX/XX/XXXX NO ADJUSTMENT CREDITS to begin an investigation. Proof these were not reported as fraud in XX/XX/XXXX but the ( {$470.00} card ending XXXX ) Remainder was Reported Fraud TO NO AVAIL. XXXX did not know what these charges were for. PROOF I REPORTED FRAUD XX/XX/XXXX see statement XX/XX/XXXX. ( A new card issued ending XXXX ) new card proof fraud reported but dismissed. USAA PUT CREDIT REVERSALS OF {$810.00} BACK ON CARD AS NEW PURCHASES XX/XX/XXXX & XX/XX/XXXX a year later. ** The entire purchases of XX/XX/XXXX totalling {$810.00} are on card for 2nd time XX/XX/XXXX. ** NO USAA CREDIT GIVEN AND {$810.00} TAKEN BACK. USAA LIES ABOUT LYING. USAA MAKES FALSE STATEMENTS THAT I REPORTED FRAUD ON ITEMS I KNEW I RECIEVED.. HELLO .... USAA, I REPORTED USAA REVERSALS APPEARING AS NEW PURCHASES. XX/XX/XXXX. I WAS CHARGED TWO TIMES I HAVE NEVER RECEIVED ANY NOT ANY PERMANET USAA CREDITS ALL ADJUSTMENT PURCHASE TEMPORARY CREDITS ** JUST DISAPPEAR. XX/XX/XXXX {$2.00}, XXXX Other credits never apply XX/XX/XXXX Total Credits Applied {$910.00} MERCHANT CREDITS ONLY.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — Store credit 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. (TX)

I received an email stating I made a purchase that I DID NOT make. I contacted home depot to let them know there was fraud on my account. Home depot canceled my card, sent out another and disputed the charges. I gave the the tracking numbers for the order that was sent to my email and theybsaid it would be investigated. After days of investigating, I received a letter stating the charges were valid. I called Home Depot backnto find out why I am responsible and they stated that the packages were delivered to my address. I told them the tracking numbers clearly show that the address was updated by the sender ( home depot ) to a different address as shown on the tracking. The tracking does not show the address, just a note stating the address was updated. They opened another dispute, just to close it again stating that packages were sent to me. I do not have these packages, I never ordered these products and home depot not ups will not tell me the address that the packages were sent to.

And my letter from home depot does not show the amount owed, it only has the reason for why they believe I owe for the fraudulent charges.