davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (TX)

I was a XXXX  in an LLC. We opened a bank account at XXXX  and they asked if we wanted a credit card. We said, only if will not affect our personal credit because we new that starting a new business it had the potential to fail.

The banker told us that it would only be on the companies credit report. A year later, we had to close the business and the unpaid credit card showed up on my credit report.

I contacted XXXX  and they said that the banker shouldn't have told me that. There policy is to report it on a personal account.

Not that I want to ruin the credit of my partners, but this makes no sense. Pick one partner to report it on their credit.

The purpose of an LLC is to protect your personal accounts and keep your business and personal account separate.
Consumer complaint received 2023-04-01
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 fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-05-07
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: Santander Consumer USA Holdings Inc. (FL)

The dealers here XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are doing frauds theyre sending false advertising The XXXX credit cards XXXX XXXX XXXX are calling asking your social security number fake wed page with fake numbers
Consumer complaint received 2019-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My access has been limited to my money market account due to an issue with my wife 's account at Capital One 360. I have contacted the security department to close my account and give me access to tax forms that they have issued electronically. They refuse to do either until they speak to my wife who is not the holder of this account. The are essentially holding my funds and my tax documents hostage.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (LA)

My checking account was compromised at the end of XXXX. I filed a complaint and opened a claim the beginning of XXXX. There should have been two parts to the claim - debit card transactions and a wire out of my account to an individual. When the credit union opened the claim they forgot to do the wire of funds claim. So a month and a half later I called and they did the claim at that point. The amount was XXXX, I was not given a provisional credit so this is XXXX of my money they have been holding from me for almost 3 months now saying its under investigation. The person that wired the money out of my account had his name on the wire. So why am I being punished for them not doing their job right the first go round. XXXX is a lot of money and I need my money back. They shouldnt take 3 months to do this investigation.
Consumer complaint received 2022-08-16
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: SYNCHRONY FINANCIAL (AZ)

After having closed an account with Synchrony Bank, they have enabled, aided, and abetted fraudsters to open an additional account using my identity and Social Security number.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (NV)

- XX/XX/XXXX Unauthorized credit card payment of {$2300.00} issued from my XXXX XXXX  XXXX account to Synchrony Bank Credit Card as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$2300.00} Payee Routing Number : XXXX XXXX Bank Account Number : XXXX - XX/XX/XXXX Requested to stop another incoming unauthorized credit card payment from my XXXX XXXX XXXXXXXX account to Synchrony Bank Credit Card XXXX
Consumer complaint received 2018-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2015 my ex-husband XXXX XXXX and I received a check from XXXX XXXX XXXX XXXX XXXX for the equity in our home that sold. We were not in agreement on how the funds should be split so the title company was not going to get involved with the separation of funds. The check for {$75000.00} and was payable to my ex-husband AND ( not or ) myself which would require both of our signatures. 
The check was deposited into XXXX  personal USAA account and cleared with only his signature. 
It has since come to my attention that this is an ongoing problem of check cashing on XXXX behalf of checks written to both of us and being cashed by only him.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (CA)

fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NJ)

I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I received a Care Credit Card for medical use with a limit of {$2500.00}. I was never informed that my credit limit would decrease to {$1000.00} - I found out by looking at my card info via the Care Credit App on my mobile device. I then contacted XXXX XXXX and was told about no longer having a {$2500.00} limit, it now shows only {$200.00} limit. 

I believe Care Credit is unprofessional with their tactics on reducing your credit limit without informing the customer with a reasoning.
Consumer complaint received 2022-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

BK OF AMER XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

received a payment from a customer on XX/XX/XXXX. Square held my funds until XX/XX/XXXX then froze my funds and shut my account down the moment it was time to release my funds, for no reason. I am traveling with children and have payroll to complete and now i cant pay staff. They have stolen thousands of dollars from me and now they are saying it will be XX/XX/XXXX before im able to access my funds. 
I asked them to simply refund my customer so i can have them wire us the funds for the services they are currently receiving. 

They refuse to do so and have told me i will need to wait on an email from them and that they have no other options for me. How is it that they can basically steal business owners money? If they suspected fraud, why has my account been open and why did they accept the funds? Why have they allowed me to spend money? 
The moment they saw an opportunity to snatch money from me they took it. They even froze the funds i already had in the account and claiming Fraud as an excuse to steal business owners hard earned money. THEY ARE A COMPLETE SCAM AND THERE ARE MANY BUSINESS OWNERS EXPERIENCING THE SAME THING. ITS THE HOLIDAYS AND I HAVE A BUSINESS TO RUN. I WANT MY MONEY NOW! THEY HAVE ABSOLUTELY NO RIGHT TO KEEP MY FUNDS.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (UT)

I received a letter in the mail on XX/XX/XXXX informing me I owed a debt {$600.00} to XXXX. The same day I sent a written request via their website for proof of debt. I additionally called them. I finally received the " proof '' via email on XX/XX/XXXX from XXXX XXXX. In the email was one attached document showing my receipt from XXXX showing I paid. I called the next day to ask how this showed I owed money when I believed it showed I paid XXXX. After being on the phone for a while they disconnected the call. I followed up with an email to XXXX, but have not heard back. Now this debt collection is reporting to my credit score and negatively impacting me for a debt I do not believe I owe.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I received a denial letter from Citi for a Citi XXXX XXXX Credit Card. Still being harassed till date with same offer letters that I was recently denied being sent. 

This action is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Citi is in violation of 15 U.S.C 1642, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Recently opened up a Citi Rewards + Credit Card on the XX/XX/2022. Establishing a new line of credit with Citibank. Even more reason I should have never been denied. 

Citibank claims my credit report shows combined credit lines on satisfactory account is too low. A false statement as my credit scores are all above average.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LK Manley, Inc (CO)

I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE
Consumer complaint received 2021-08-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

I got a VA loan with Highlands residential mortgage. i went through a hardship due to corona and the election. i was paying a 3.1 % interest rate. i was put on a forbearance plan for three months and told that i had 6 months. Then i was told i would be able to get a deferment towards the end of the loan. After 3 months Highlands reported me to the credit bureaus which hit my credit and sold my loan to XXXX XXXX. XXXX  XXXX  had no idea i was in forbearance plan. i can never get ahold of anyone and when i do there is a language mis communication. i can understand word they say. They finally give me a personal agent but takes days to get ahold of him. Got paperwork to sign my interest rate went up to 3.5 % my note went up from {$1200.00} a month to {$1900.00} a month! im a XXXX  dad of XXXX  young boys, a veteran, and work very hard to get the things i have. how is this legal in these times? what are my options? Its like they trying to make it to where i cant pay it!
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (DE)

XXXX XXXX My account was overdrawn by $ XXXX. I tried to dispute charges and the M & T bank said it was nothing that could be done. I had a meeting with branch representatives and nothing was done it was sent to debt collectors.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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 an account without my written instructions
Consumer complaint received 2022-08-16
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX  XX/XX/2022 {$3200.00} DEPTEDXXXX  XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell credit bureaus 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX CREDIT XXXX XX/XX/2023.
Consumer complaint received 2022-08-16
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 am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX XX/XX/2022 {$3200.00} DEPTEDXXXX XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MA)

An unauthorized account with the name of XXXX XXXX XXXX and a XXXX XXXX XXXX is being fraudulently reported on my credit report by Experian, XXXX, XXXX and the creditors wont fix the problem even with a police report and a FTC report.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

XX/XX/2017 ( 1 yr ) Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Claim : {$240.00}