davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

I purchased a gift card Visa debit card and loaded XXXX onto it I came home the next day I tried paying my XXXX bills with it and it wouldn't go through the payments I attempted to make were over the phone so nobody had the card number until I called the number on the card for assistance. The representative asked me for the entire card number the exp date and the XXXX digit code she said I couldn't use the card to pay bills. I then went to do my laundry using the card and the charge was declined I called again to the number on the card and it now had a XXXX balance I believe the rep took the funds for herself they customer service is in XXXX XXXX I found out. This has happened to many other people the charges they said were made on XXXX play
Consumer complaint received 2022-03-13
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-01-22
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. (AL)

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed in XXXX unauthorized inquiries and multiple accounts that are charged off which are wrong and another account that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im trying to unfreeze my credit, and I have been for 5 years. Ive tried calling in every day and nothing does anything, they wont accept my proof of address even though I provided XXXX different proofs in my last complaint. XXXX have to keep complaining here until they unfreeze my credit because its the only way to have someone respond to me. Delete my security freeze. I emailed my documents and put them in my previous complaint. Delete my security freeze please.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, Transunion, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I sent a dispute to XXXX ( File # XXXX ) about the following account : XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-22
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: PLANET HOME LENDING, LLC (UT)

I am filing this complaint against Planet Home Lending. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but Planet Home Lending informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) Planet Home lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (KS)

I received a statement from citi/COSTCO : XXXX Statement : Minimum payment due : XXXX Balance as of XX/XX/19 XXXX Account is past due my name/address NO ACCOUNT NUMBER I DO NOT WON this credit card, nor have I ever authorized its use. 
I called 4 different phone numbers ( account assistance ) ... .no options since I had to include my account number. Also asked for phone number or SS number. Foolishly I gave the SS number. Finally had to call 'technical support ' to talk w/live individual ( i guess ). When she asked about 'which ' citi credit card I was having an issue with, her she said 'costco ' ? Transferred to another rep. He wanted all vital info ... dob/ss/phone etc. I disputed providing this information over the phone. He said, 'but you called me ', like that made an already illegitimate fraud legitimate. I said I was going to report fraud ; he put me on hold ; then came back on and said he had 'their fraud ' person on hold and was going to transfer me to her ... .so I could make a complaint.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-01-22
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. (AL)

I am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies Experian, XXXX, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY ()

Good day, I am a XXXX citizen but opened a cross-border bank account with TD Bank around XXXX, XXXX. 
I initiated a transfer from a colleagues XXXX account to my TD Bank account for around {$17000.00} USD. 
Every week proceeding the opening of the account I would go to the branch to find a reason as to why my money is on hold and why my account is frozen. 
The cross-border banking agents for TD Bank would then lie to me over 2 months saying my XXXX form was filled incorrectly. 

After the 10th time I submitted that form and wasting time at the branch, I was finally told my account has been " demarkated '' around XXXX, XXXX. 
I have then wasted counted hours/days on the phones with TD Bank customer service and their cross-border banking team with no progress at all. 

They have held my money ever since and I have since given up hope of ever seeing my money returned to me. 

Any help would be most appreciated, Regards,
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Dear sir or madam I am writing you about a complaint I have with your bank. I have been a long time customer of Wells Fargo and have been scammed by an online check scam involving my art. Im getting the run around Now from your bank and all said and done I am now getting return check nsf fees, my rent has now bounced bills are being returned. I am not responsible for these nor am I responsible for the XXXX that Wells Fargo said was Available in my account to cover the check. This is unacceptable I have receipts a police report and paperwork Having to do with this. When u released the funds on the XX/XX/21 I was told that the date of the availability was the XXXX, The bank cant take care of this or protect me from such fraud while banking with your bank? The account That the check went to was anoth3er Wells Fargo customer. You should be able to trace that sit is another Wells Fargo customer. Why am I getting the brunt of this online scam that has now ruining my financial and mental well being I will attach the supporting document of the receipt copies timelines etc. 
This is unacceptable and I will not accept that the bank that is fdic insured can not make this right .I expect the bank to refund me the overdrasft fees and the XXXX from the obvious fraud that I am not responsible for. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-12-20
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

XXXX. In XXXX XXXX of XXXX my entire life was turned upside down. ALL MY credit cards were hit and my chase bank checking account was taken for all money money. Digital wallet and credit cards breaches. 

My checking account with Chase was hit with back to back fraud. MY CHASE SAPPHIRE AND FREEDOM WAS FINALLY CLEARED BUT MY MONEY WAS STILL MISSING. AFTER MUCH RESEARCHING IN MY PART; SHOWED SCAMMERS USED MY CARDS ON REPEAT AND WAS PAYING IT OUT MY CHECKING ACCOUNT UNTIL ALL MONEY WAS CLEARED. 

OVER XXXX WAS PAID TO CHASE 2 CREDIT CARDS IN 2 MONTHS. PAYMENTS MADE IN SOME WEEIS DAILY BACK TO BACK I WORKED WITH A DIRECT PERSON ONSITE AT CHASE BANK ... HE EVEN SAW THE MESS AND THEN WHEN SILENT. 
I SAT IN HIS OFFICE WHEN FRAUD RECOVERY REQUESTED A POLICE REPORT TO RETURN OVER $ XXXX BACK TO MY CHECKING FROM JUST THE CHECKING FRAUD. NEVER SEEN THE MONEY ( NAME OF CHASE MANAGER - XXXX XXXX ) MY MEDICAL TOOK A TOLL. YESTERDAY I SPENT NEARLY 6 HOURS AGAIN TRANSFER AFTER TRANSFER THEY CAN SEE THE RED FLAG PAYMENTS MADE OUT OF MY CHECKING TO CHASE BANK CARDS .LITERALLY CLEARING MY LIFE SAVINGS. 
I AM TOLD A POLICE REPORT ISN'T ENOUGH. I NEVER MADE THESE PAYMENTS. SCAMMERS HAD ACCESS TO EVERY ONE OF MY ACCTS. CHECK BOOKS AND MORE. SAME FRAUDULENT CHARGES ON ALL CARDS ONLY CHASE BANK REFUSES TO RETURN MY MONEY- ALMOST 30 YEAR CUSTOMER HIT BY THE SCAMMERS THATS HAPPENING TO PPL DAILY. 

CHASE TOLD ME NO. I HAVE TO.PROVE HOW SCAMMERS DID IT. I WAS SHOCKED..YET THEY ACKNOWLEDGE THE FRAUD AND REMOVED IT OFF 3 CREDIT CARDS BUT WON'T RETURN MY LIFE SAVINGS PAID OUT TO THEM WITHIN 2 MONTHS BACK TO BACK TO SAME FRAUDULENT VENDORS ACROSS THE BOARD. 
XXXX AND XXXX AND XXXX XXXX REMOVED AND RETURNED BUT CHASE REFUSES TO GIVE ME MY MONEY. 

I AM SICK VERY SICK. THE AMOUNT OF EMOTIONAL DAMAGE ON TOP OF MY XXXX XXXX XXXX I FACE DAILY DUE TO CHASE BANK IS ONLY GETTING WORSE. 

LITERALLY ON VERGE OF XXXX XXXX XXXX XXXX THAT A BANK I TRUSTED CAN SEE THE RED FLAGS. THEY CAN SEE THE NONSTOP PAYMENTS TO FRAUDULENT CHARGES THAT I DIDNT MAKE. BUT BECAUSE IT CAME FROM MY ACCOUNT I AM TO BLAME. 
MY ENTIRE ACCOUNTS WHERE TAKEN OVER AND COMPROMISED AND CHASE KNOWS THIS BUT STILL WON'T RETURN OVER {$80000.00} OF MY MONEY. 

THEN, KEEP TELLING ME I HAVE TO PROVE IT WAS SCAMMERS. I AM IN UTTER DISBELIEF. 

IN XXXX MY INFO WAS USED AS ATTEMPT TO COLLECT UNEMPLOYMENT THANK XXXX. MY JOB CAUGHT IT IN TIME. 
I TRUSTED CHASE BANK. THEY KNOW THEY ARE WRONG. THEY TOOK MY LIFE OVERNIGHT AND I CAN BARELY AFFORD TO EAT OR LIVE DUE TO ALL MONEY PAID TO CHASE BANK!! 

THEY KNOW MY CHECKING, MY CREDIT CARDS, XXXX XXXX  XXXX EVERYTHING WAS BREACHED..

PLEASE HELP ME. 
PLS. I AM BEGGING WITH MY LIFE. 
I AM LITERALLY SICK AND GOTTEN WORSE. EMOTIONAL DAMAGED. MENTALLY DAMANGED FROM CHASE.BANK. MY XXXX XXXX XXXX IS HITTING HIGHS DUE TO CHASE. 

I BEGGED FOR OVER 6 HRS YESTERDAY TRANFER AFTER TRANSFER. 

BEEN FIGHTING FOR MY MONEY A YEAR NOW. 

XXXX PLS HELP. 

XXXX XXXX
Consumer complaint received 2022-01-22
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. (LA)

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, XXXX, and Transunion. I sent a total of XXXX  letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (IL)

I disputed in XXXX unauthorized inquiries and one account that is not mine. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.