davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
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: DISCOVER BANK (TN)

I applied for a secured credit card with discover card.com. I was approved with deposit of {$200.00} the amount had to be paid prior to the application being fully approved. The {$200.00} was deducted from my account via XXXX and I was told my application was approved via email and my card was on its way. I received my car within a week and activate it with no issue I was advised I should be able to use my card. The following day in attempting to use the card it would not work. After calling discover customer service I was advised that they would need to receive copies of 2 years tax return directly from the IRS resulting in me needing to fill out a 4056-t IRS form XXXX I was advised that after paying my {$200.00} I would be able to use the card but this was a lie. The email that I received requesting that I fill out the 4056 did not have a discover logo or come from a discover email address so I ignored the email as it seemed fraudulent. I am blocked from using the card and if I refuse to give them the information my account will be revoked. Even in giving them the information it does not mean that my account will be able to continue. It was not advised that this was part of the application process and why send me the card if I was not approved. This is very invasive and fraudulent it seems on the part of discover they should not have customers.Asking for a refund of my newly submitted deposit should not take two billing Cycles when I have never had access to the card
Consumer complaint received 2022-12-01
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)

I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
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 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 2022-01-16
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: CITIBANK, N.A. (MN)

As you can see I have been paying the account consistently on the due date through auto pay for 3 years since the balance was incurred. 
On XX/XX/2021 I called to pay the account off in full. I made payment over the phone with a representative to pay off the account. I was told the balance at that tie was XXXX. I paid over the phone what the representative on the phone told me was the balance, which was XXXX. Whomever took the payment over the phone made a mistake with the balance due, or was confused about the due date. I suspect she was looking at the wrong month/balance and /or typed in the payment to be debited on XX/XX/2021 as oppossed to XX/XX/2021 and also rounded the amount to XXXX. Why after years of paying on the account would I miss a payment and pay a different amount than what I have been paying for years. 
I assumed the account was paid off. I did recevie correspeondence regarding this, but assumed it was in error because I had called and paid off the balance. 
I have since paid 3 late fees over this mistake and it has cost me a negatie credit report. 
Considering my payment history and the fact that a mistake has occurred on your end, I am asking that the late fees be returned and the negative reporting be reversed.
Consumer complaint received 2023-07-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I couldnt check my bank account for a while because of my sickness. 
I got victimized of unauthorized transaction fraud amount of {$20000.00} ( XXXX XXXX XXXX XXXX transactions ) I just called wells fargo customer service on XX/XX/2021 and they made claim for me but I have received no response yet.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Good evening my name is XXXX XXXX, XXXX for short. Myself and my lawyer had a dispute against the Toyota XXXX XXXX because they conducted business in an unsavory fashion. Not providing correct documentation. So my lawyer reached out to the XXXX dealership as a courtesy to them and they refused. So my lawyer tried again and they agreed in a legally binding contract to pay the vehicle the XXXX XXXX XXXX payments off in full! Im which I receive a settlement of {$10000.00} and a letter exonerating me of all payments for the XXXX. Later my lawyer and I found out that Toyota Motor Credit still had a balance of {$23000.00} on my credit report. Again the lied and failed to uphold the agreement of the legal contract! Ive have uploaded prof of the documentation to the dispute center. I would like for this to be removed from all three Credit Reports because it is damaging my credit with a negative impact on my credit score and has been and it is not allowing me to acquire certain attributes as a home for my family and I. Ive served in the military for over 15 years now and Ive never experienced such blatant disrespect for a service member. I can only imagine how they conduct business with a civilian! 


Very Respectfully, XXXX XXXX
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXXL XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NC)

XX/XX/23 {$7.00} Cash app card used to make a purchase at XXXX, mobile order. 
I had an offer showing in my card for 5 % off any XXXX purchase. This was an offer that I had previously used two days before and it was still showing in my card as 5 % of and XXXX order. So I thought cool I get XXXX and save 5 %. 
The offer didnt apply. I reached out to cash app to ask why this offer was applying. They said that the offer is a valid offer to be used every 7 days. None of this information was advertised on my already selected offer. I had to make two clicks to drill down on the offer before seeing any sort of terms. 
But it let me select it on my card for use. They could not tell me why I couldnt use this offer if it was valid, ( their claim of it being valid ). I requested definitions and company policys none of which were provided to me or direction given to find such company policys.
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation oXXXX XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX : {$820.00}.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX and I've sent in several documents plenty of times in regards to being a victim of identity theft. I have 5 fraudulent accounts on my credit profile. I've contacted the credit bureaus several times as well as file a theft affidavit. I filed a complaint with the Federal Trade Commission and the CFPB. 
I'm unsure as to why the items haven't been removed. Can you please delete the fraudulent items from my report ASAP. I've enclosed copies of everything. 
Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : Collections XXXX XXXX XXXX XXXXXXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

I have a cash app account that got hacked and the email and pin were changed. I have contacted them multiple times and they did not help.. I also had my sponsor for this account to contact them via phone and they were unwilling to help... I have provided all the information that they have asked for to gain access then they disconnect the chat ( on line ). I still had money on that account and would like access to it
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I am XXXX years old and am having my daughter file this complaint from me as I feel totally unheard and disregarded. 

I have no vehicle hence there should not be car insurance deducted from my account. I do pay my grandsons car payment through XXXX but his mom pays the car insurance. I made contact with Truist last month once my daughter started reviewing my account with me. She was concerned as to why my balance was dwindling so fast. 

I have called Truist to no avail. I initially filed the dispute in XXXX and requested the block through the app. I received notifications that the dispute was in process. Had not heard anything. 

I looked today and the same charge from esurance came through on XX/XX/23 for XXXX. Speaking with offshore agents is ridiculous. I was advised that basically the dispute was filed but the block was not completed hence the charge coming back. Now I have to get yet ANOTHER card and file yet ANOTHER dispute. I am on a limited income and Truist is letting someone just take my money!! The rep told me that I need to call and stop the recurring payment but how can I do that when its not mine and I dont know the name of the person that created this transaction!!!!!???
Consumer complaint received 2022-01-16
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: Experian Information Solutions Inc. (GA)

I am in dispute with Experian, XXXX and XXXX over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to Experian and XXXX.
Consumer complaint received 2024-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK (RI)

I am writing to lodge a formal complaint against Discover Home Loans regarding their misleading practices and lack of transparency during my recent home equity loan application process. 

On XX/XX/scrub>XXXX XXXX XXXX I contacted Discover Home Loans to inquire about obtaining a home equity loan to fund a down payment for an investment property. As the sole owner of my primary residence, I specifically asked if my partner could be included in the loan application without being a co-owner of the property. Loan officer XXXX XXXX assured us that my partners ownership was not required for loan eligibility. 

Relying on this information, we proceeded with the application, diligently submitting all required documents. However, on XX/XX/scrub>XXXX XXXX XXXX, loan processor XXXXXXXX XXXX XXXX XXXXXXXX informed us that my partner would need to be added as a co-owner through a claim deed to qualify for the loan. This new requirement, which had a three-day compliance deadline, was never mentioned at the beginning of the process. 

We explicitly stated from the start that adding my partner as a co-owner was not an option. Our goal was to secure a loan based solely on my ownership. The sudden imposition of this condition, after nearly a month of processing, not only contradicted the initial assurances but also jeopardized our investment plans, as we had already submitted an offer to purchase a property. 

As a result of this last-minute change, our loan application was denied because we did not comply with the unexpected requirement. This led to a considerable waste of time, effort, and the loss of a valuable investment opportunity. 

I find Discover Home Loans ' handling of our application to be unethical and lacking in transparency. Their actions caused unnecessary stress and financial harm. I request that your agency investigate this matter and take appropriate action to ensure that such deceptive practices are addressed and rectified. 

Thank you for your attention to this serious issue. I look forward to your response and any assistance you can provide in resolving this matter.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. How can this account show the payment status of 30 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. XXXX and XXXX Credit Bureaus are also reporting this company to be the owner of the debt when they are not! The account was purchased by another lender. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history for me to review the exact date on which the late payments were posted but NO changes were made. NO investigation was conducted at all. You can validate this information by investigating the matter, please do so and remove the defamatory information they are currently reporting.