davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: WELLS FARGO & COMPANY (VA)

Made a payment to WellsFargo credit card using a XXXX XXXX  checking account on Monday XXXX XXXXXXXX 
As of Thursday XXXX credit card is not showing the availability of the funds and was told today by calling the customer service on dated XXXX XXXXXXXX, that funds are on hold and will be released on Friday XXXXXXXX, due to making sure funds clear from the other bank. 
It is not a fair practice to hold the money for that long, there should have been any alert or notification regarding the hold while making the payment or even after the payment. So I could have managed my financial obligations accordingly. 
There was no communication even after the payment but email was stating The following payment will be effective as of XXXXXXXX  but stating anything regarding hold on funds, which is misleading and unfair practice, it causes me not to able to make the payments using this credit card, the payments I planned and promised to made in next couple of days.
Consumer complaint received 2022-09-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$220.00} 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 2020-10-15
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. (MI)

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the XXXX they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to Transunion, XXXX and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the XXXX inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (DC)

I hired an asset search firm called XXXX to do an assessment of my father 's estate in XXXX. Their site lists XXXX topics covered, and their sample report is 30 pages, and they say it takes a week pre-Covid. I was charged an extra 50 % for more work ; I paid {$1800.00} after a credit. I notified them in early XXXX that my sister had just been appointed executor, and they sent me a report two days later ; they had said a month prior that all the work was done except the bank account search. Their report contained absolutely no information and not a single figure or amount assessing the estate -- a {$4.00} instant report was far more informative. The report was almost entirely document images and the list of such for our family house, whose same list I had sent them, along with other information including record or knowledge of over a half-dozen holdings that was never researched. The report included an unauthorized personal search on my sister with a false and harmful accusation that she said something in an old blog that is not found there. I wrote and told the company CEO that I filed a claim with Suntrust/Mastercard, and he said he would release the report if I did not cancel the claim. 
I sent an overwhelming amount of information to Suntrust Credit Card Claims but they recently wrote that I was in possession of the merchandise. 
I called CFPC two days later but was waiting for Suntrust 's USPS mailing that never came, and I only yesterday was able to open their " XXXX '' file emailed.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MD)

ProCollect has been furnishing data to my consumer report and I never gave them consent to do so. I do not owe ProCollect anything, I do not have any agreements with them and I need them to settle and remove the tradeline they have on my consumer report immediately. This is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They are using an extortionate means to collect on an alleged debt that I do not owe. I am disputing this and in order for ProCollect to collect it must provide the following : a document signed by me evidencing the debt or the opening of the account, a certified or otherwise properly authenticated photocopy of the original document, a chronological listing of the names of all prior owners of the debt and date of each transfer of ownership of the debt, beginning with the name of the original creditor and documentation of the identification and nature of the debt or account, including the name of the original creditor, the full name of the debtor as it appears on the original account, the last four digits of the social security number, the last four digits of the original account number and for the State of Maryland your collection agency license number, name appearing on the license and the date of issue of the license. Failure to provide this documentation means you are participating in illegal debt collection practices.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MI)

Citicards with a PERFECT payment history and less than half of my utilization lowered my credit limit from XXXX to XXXX with no rhyme or reason and said and I quote we did a bankwide review of all accounts and many peoples lines got lowered!!!!! That's XXXX!!!!! I'm sorry but I paid those people on time in good faith. There needs to be more laws with these cards I have a perfect history with this company where they gave me a certain credit line I pay all my cards on time every time yet these people WITH NO WARNING slashed my line by half that's unreal! This type of stuff needs to be illegal what they're doing. There should be a demonstration of bad history with a company before this type of stuff can happen. I'm also contacting my congresslady and my senators about this activity that citi did with no cause. I have no reason to have my lines cut. This whole credit scoring thing needs to be looked at too I pay my bills on time but yet have low score. Their system is proprietary but I've worked in credit trust me it's evil what they're doing! There needs to be laws or an appeals process or something where cardholders can stand up for themselves. Citi offered me credit with not much difference in situation in like XXXX???? 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXXXXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-09-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet Transunion and XXXX did not remove it.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.
Consumer complaint received 2020-09-18
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. (DC)

On XXXX XXXX at XXXX. I called XXXX to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX  XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Consumer complaint received 2023-01-26
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: DISCOVER BANK (GA)

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with discover bank removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that XXXX am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, discover bank, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have transunion and XXXX been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent XXXX and transunion supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$3200.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

XXXX XXXX Bank Information - Preauthorized Checks - JPMorgan Chase, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.
Consumer complaint received 2023-02-08
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I started with this bank roughly two months ago. I used it for a couple of days, then a few weeks later, I was unable to access my account. I called the company, informed them about the problem. I was then transferred to the fraud department, and verified my information. The representative was rude, and told me that I had to go in with my Identification card to a local branch to resolve the issue. As told, I went to the branch, sat down with a manager, and he spoke with the fraud department and I as well, account was cleared. I was able to access my account for about twenty minutes, until I received the same error as before, " invalid login ''. I contacted the fraud department again, plead to them that I already went through the process of verification with the fraud department. I told them I run a business, I was told I could n't use the account for commercial use. In order for me to reactivate my account, I will have to be investigated by the fraud department. I transferred money from an external account as well as used, XXXX, for my clients. They indicated it as FRAUD. There is no fraud on my account. The claim was submitted on X/XX/17, and I was told that an investigator will contact me regarding the freeze/hold on my account within 48 hours. NO ONE HAS CALLED YET! I called them twice, spoke to customer service department, transferred to the Fraud department and get hung up on. Holds up to thirty minutes. Just not fair. It has been almost two weeks with no contact, and a lot of my funds are in there.
Consumer complaint received 2023-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (AE)

I am XXXX XXXX Military. In XXXX I took out a personal loan with Omni Financial for around {$8000.00}. In XXXX started going thru a Divorce. I stopped making payments late XXXX, Omni continued to charge interest despite me calling multiple times and asking for the interest to be stopped and for a payment plan. The loan sat at around {$13000.00} at this time. I XXXX overseas in XXXX until summer XXXX. I contacted XXXX several times trying to come to a resolution. All while interest continued to accumulate. 
Today, XXXX XX/XX/XXXX I called in an attempt to set up some kind of payment plan. XXXX refused, my current balance is {$23000.00}. I was given the option to restart normal monthly payment of {$480.00} ( keep in mind its over {$300.00} a month in interest at this point ) or to pay a settlement of {$18000.00}! More than double the amount of the original loan! 
XXXX also refuses to provide any documentation, IE original loan documents.
Consumer complaint received 2022-09-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} 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
Consumer complaint received 2021-02-23
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: CITIBANK, N.A. (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CBNA Inquired on XX/XX/XXXX, XXXX - CARD SERVICES Inquired on XX/XX/XXXX, CITIBANK NA., BEST BUY Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NC)

I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.