davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

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

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Consumer complaint received 2024-04-01
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: WELLS FARGO & COMPANY (LA)

XX/XX/year>, I received notice via XXXX  XXXX that an inquiry was placed on my XXXX credit report from Wells Fargo Card Services that I did not authorize, nor apply for. As this has had a negative impact on my score, I have moved to file a complaint as recommended by XXXX XXXX.
Consumer complaint received 2023-04-10
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)

This is my third 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 inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquiry : XX/XX/.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Financial stated that I opened an account with them, thru Mattress Firm, in XXXX of XXXX for the amount of {$1200.00}. I have never opened any line of credit with them, nor do I have any association with this company. The account went unpaid and ended up with a negative balance of {$1300.00}. 

I have been sending letters with them, back and forth, since XXXX of XXXX to have this claim removed from my file and Synchrony has continued to " verify '' the debt being mine by sending a bill but has not provided me with any contracts, or documents, housing my signature that would truthfully verify that this debt is mine. 

In XX/XX/XXXX, Synchrony closed the account under " lost or stolen credit card '' and opened a new account under my name that same month. Last month, on XX/XX/XXXX, they reactivated the " lost or stolen credit card '' account, along with the open account and added extra debt to my credit file. Now they are claiming I owe a total of {$2700.00}, all while failing to provide me with any documentation that the debt is mine, nor any explanation as to why I am being asked to pay for, what is now, two accounts that are not mine.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX our credit card was stolen. We canceled the card with XXXX XXXX XXXX. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went Trans Union and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the Trans Union report verifies that fact. I'm very upset at the the system and I have cut up my credit card with XXXX XXXX. I need our help to correct this injustice. Thanks you XXXX XXXX
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

held a check for 7-8 days funds availability fund is 3-5 days when to ask the banker to release funds b/c it's been six biz days they said it won't be available for another day or so XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tx XXXX
Consumer complaint received 2019-05-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

My name is XXXX XXXX, I was approved for a mortgage loan with loandepot in XXXX Florida XXXX my loan officer was XXXX XXXX My closing day was XX/XX/XXXX. 
My loan officer contacted me a week before closing telling me that she lost my grant money because the government ran out of money she asked me if I had XXXX dollars for closing I said no and she asked me if I could borrow money for a family member I said no I was in tears I gave up my apartment and put my furniture in storage now I have no place to live she even keep my deposit money. Please help me this is not right.
Consumer complaint received 2024-03-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

I was given a gift card from my family- originally purchased in Virginia. The prepaid gift card did not work, so we had to reach out to the number on the back of the card. The agent on the helpline asked me to submit my govt ID and photos of the card to a link on the website : XXXX We submitted the details and requested for a replacement card but never received one. When we reached out to the helpline again ( XXXX ), we were told that they have some problem in verifying and that we now need to send our documents to them via fax along with a bunch of additional information. 

It seems to me like a scam to discourage people from using their gift cards. Kindly help me in claiming the {$100.00} balance on the card. Attaching the photo to this request. 

Thank you.
Consumer complaint received 2019-10-07
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: ALLY FINANCIAL INC. (TX)

I have been calling and complaining about 6 inquiries on my credit report that XXXX  is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Consumer complaint received 2017-05-25
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. (GA)

On Wednesday, XXXX XXXX, 2017, I sent Experian a certified letter disputing inaccurate and false information on my credit report being reported by XXXX XXXX XXXX XXXX, reference number : XXXX which is located at XXXX XXXX XXXX, XXXX XXXX , FL XXXX. I am confident that XXXX XXXX XXXX XXXX  never replied to Experian during their so called investigation. I sent XXXX XXXX XXXX XXXX a certified letter on XXXX XXXX, 2017 and they never responded to my letter. Furthermore, Experian has this item being reported by XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA XXXX. I sent the very same dispute to XXXX and it was removed from my credit report between XXXX XXXX and XXXX XXXX. I believe that Experian has acted in bad faith and has not complied with the Fair Credit Reporting Act, which I specifically requested VALIDATION that is competent evidence bearing my signature showing that I have had some contractual obligation to pay a debt owed to XXXX XXXX XXXX XXXX. If XXXX XXXX never responded to XXXX or myself within 30 days of my complaint, where is the proof that they in fact responded to Experian? I want this item removed from my credit report immediately!!
Consumer complaint received 2023-04-10
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

Santander Bank took the opening deposit which was funded using a credit card on 9 accounts ( which were opened over the last 6 months ) between XX/XX/XXXX - XXXX. Each account had {$500.00} taken from it, which forced some accounts to go into a negative balance. I have received letters and phone calls from there collections department. However, I was never refunded the money on the credit card which had the opening deposit taken from it. 

If they are forcing the accounts to be negative, my credit card should have received refunds this occurred over 2 weeks ago. The bank refuses to talk to me unless I go in branch. When my husband did this, they wouldn't provide him with any information and told him to follow-up the next day. When he did they told him he had to go back to the branch. 

I am requesting the funds be sent to me immediately, any fees associated with being overdrafted, all accounts being closed, and additional money sent to me via check at the address on file. 

I was never notified that there was a limit to the number of accounts I could open or that I should not open up any new accounts. If they would have reached out to me I would have no problem not opening up any additional accounts. 

I have attached the 6 documents I received today that state my accounts are negative. There is additional documents I can not access due to having my accounts blocked
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NV)

Yes I deposited a mobile check from my employer. I have had the same employer direct deposit money to account many times and have had checks cashed as well. XXXX is deciding to hold the funds and so I called them to see what was going on and they said the cant release the funds for almost two weeks! my employer verified they called them and they let XXXX know the funds are legit. I need them to deposit the money into my account immediately.
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDICO. INC (SD)

XX/XX/XXXX Received a call from Credit Collections Bureau after they have been notified multiple times by certified mail to cease and desist all communications to my number, and that I have retained a lawyer who is in the process of filing bankruptcy for me and the debts with them are included.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (AR)

I filed a dispute on XX/XX/2022 about my card being stolen and unauthorized charges being made. My account has been locked since the day of my dispute. I received a letter from PayPal saying I was credited the amount back on my account, and to login and access funds. But every login attempt is denied, and I can't get through to talk to a live person, because the new card I received does not register in the system.
Consumer complaint received 2020-07-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$140.00} XXXX XXXX {$2100.00} XXXX  XXXX {$190.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00}
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I recently signed up for the Citi Premier card which offered XXXX Thank You points after spending {$4000.00}. After completing the spending requirement Citi told me I would not receive the bonus because I had closed an XXXX XXXX XXXX XXXX XXXX card in 2017. The terms of the offer had no mention of the XXXX XXXX XXXX XXXX XXXX   card affecting my eligibility for the bonus.

The offer stated : " Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months. '' https : //citicards.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (NV)

This is my 7th 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 XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I responded to an offer which involved a {$300.00} bonus for meeting certain direct deposit requirements that was being advertised through the bank of america website, I was presented with this offer, as I have an open credit line with them. upon establishing the new checking account, and met all requirements, not bonus payment was made. The first time I called, they assured me the system would kick in after 60-90 days. I have not seen a single Bonus deposit after nearly 6 months. Either I was mislead to open a new checkings account, or their system  is not functioning properly. Either way, they do not honor their word and should not be advertising false claims.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (OH)

This company is preventing me from accessing and withdrawing available funds from my investment account. My phone isnt working and the only way to withdraw funds is through receiving a text message. I called and waited for 30+ minutes only to receive horrible customer service from XXXX . He lied and said my account has a missed payment and isnt eligible for withdrawal even though I have proof otherwise. He asked me to send a bunch of personal information including bank statements to an email address to prove a payment that has already cleared and shows in the app. I dont appreciate being lied to and having my money held hostage by a shady company.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I disputed a charge off student loan through Experian. The loan is from Us department of education. I sent a second round letter to Experian asking for the documents they used to verify my account. On XX/XX/2019 the investigation came back verified. There was no documentation sent. My loan is for XXXX. I believe that they are in violation of my rights. I spoke with an Experian representative and was rudely told that they verified my account. I told them that I dont believe that they did a full investigation in 3 days. I also asked if the original document was sent over to verify the account, to which they kept telling me it was verified. From my understanding if I asked for the documents used to verify the account and dont receive it. It should be removed off of my account. How can they do a full investigation in 3 days? How can they not send the proper documents as asked for?
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (AL)

I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (VA)

XXXX, XXXX and XXXX  and not reporting accurate information regarding account with MOHELA as current and open. 

The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.