davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Money Network repeatedly blocks my card for suspicious activity and there is never any. I get declined call in verify the transaction and they remove it. Today XX/XX/year> they did it again. I received a large payment because XXXX owed me XXXX. Clearly I need to pay my rent. There are daily withdrawal limits so I withdrew what I could and transferred some to my bank to access it. No problem right? WRONG a few hours later i attempt to charge XXXX XXXX and get the decline and a suspicious activity email. I call them they just say it was suspicious activity and asked if I tried to transfer money. I said did it this morning it went thru fine. Its my same bank Ive transferred to before. The. She says she cant do anything except close my account and send me a check which will take 15 days AND they reversed the transfer. Now Im really upset and in a bind. Then they says XXXX has to send a new card. Its a huge inconvenience and very stupid because its my money and my transfer they was nothing suspicious and they didnt attempt to verify anything!! Then I called them right back because i received a alert from a credit to the account after they closed it. I tell them what will happen with the credit I just received they said they can issue another freaking check or transfer it to my new card when I get it. Well can you transfer it to my bank NO. But they can transfer it to the new card in a month when I receive it??? That is unfair and extremely stressful. I looked at reviews and found hundreds on XXXX of people having the same random closure and many havent received their checks or new cards. Nobody wants a check in the mail as it is.
Consumer complaint received 2022-02-02
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. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit report.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd (LA)

I learned today through a massive drop of 100 points in my credit score that I was being put under collections. This debt was reported on XX/XX/XXXX by Nationwide Recovery Systems for the amount of {$1400.00}. I immediately XXXX the name of the company and contacted them, since I never received a written notification from them before. The first agent ( XXXX ) I spoke with was very rude and said they had attempted to contact me the first time XX/XX/XXXX. To what I replied, it was unfair because they had reported me before attempting to collect. He then switched to a very rude tone of voice saying the collections agency could report me at any point since this debt is three years old. He argued with me using a very sarcastic, condescending tone of voice, and when I asked for his supervisor he put me on hold for a long time, until I got tired of waiting and hung up the phone. 
I called in again and a second agent ( XXXX XXXX said the amount had been placed under dispute and when I asked again about why I was being reported as a debtor without a written attempt to collect, he also turned to being rude arguing that he had 8 years of experience working on collections and he knew very well how things worked. 
The services received by this collections agency were very poor and the agents were very condescending and rude. Also, how come this is lowering my score for 100 points all at once? 

About this debt, it was a medical service received for my daughter on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX. The insurance company was not billed on time by the doctor 's office, when all my information was provided to them. The hospital and other doctors billed respectively for the same service date and I was never notified there was a pending charge over this. I learned about it later, when it was reported to a collections agency and when that agency notified me via mail ( XXXX ), I reached out to them and the insurance company ( XXXX XXXX ) and they sorted this matter out. They said it was on the doctor 's office side for not billing on time. The collections agency closed the case and the doctor 's office agreed it was a liability on their side. Now, the same account was given to the Nationwide Recovery Systems collections agency, from whom no written notification was received and they reported me as a debtor affecting my credit score greatly.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Citi Double Cash Back Card. I made a typical balance transfer with a 0 % interest. I still used the card for regular purchases which is subject to interest. I pay the minimum payment plus the amount I spent. Unfortunately Citi still charged me interest on my new purchases. I remember that the Law protects us. That payments I make are supposed to go towards higher interest balances.
Consumer complaint received 2022-10-26
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: HYUNDAI CAPITAL AMERICA (CA)

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
KIA FINANCE AMERICA XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-29
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-10-09
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Back in XXXX a police report was filed due to identity theft and was sent to all 3 credit bureaus. 

XXXX Transunion removed inquiries and placed them back due to a glitch in their system I had to file a complaint with the CFBP Fast forward to XXXX after notifying Transunion of this fraud many years ago they continue to let it happen. I have asked them to remove inquiries that I have not applied and was basically told because they are over a year old have no baring on my credit report. I do not care how old they are they do not belong to me.
Consumer complaint received 2018-02-08
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: TCF NATIONAL BANK (OH)

I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

In accordance with the Federal Credit Reporting Act this creditor, Macys/CBNA has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-03
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: Resurgent Capital Services L.P. (AL)

XXXX XXXX XXXX  shows a balance that is incorrect on my credit profile. My credit account was sold to a collection company which is a violation of the fair report act.
Consumer complaint received 2021-11-09
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 (CA)

Apparently someone fraudulently applied for an XXXX student loan through Discover for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, Discover address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for XXXX I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (MI)

I have attempted to fix this inaccurate Public Record on several occasions with the bureuas. They claim to have verified it through XXXX XXXX, this can not be true because XXXX XXXX has removed this inaccurate data. The Bureaus have not conducted a real investigation, I have proof of attached of what XXXX XXXX is removing this the bureaus need to follow suite and Stop falsely validating,
Consumer complaint received 2019-11-13
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)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

On XX/XX/2023 my neighbor stole my phone out of my vehicle while she was shopping with me! I thought I had left my phone in a store somewhere. That same day I had received my tax refund and immediately transferred it to my savings account. On XX/XX/2023 I was sent a new phone and immediately logged into my Chime account where I discovered my money had been drained from my account via XXXX XXXX. So my neighbor stole my phone, logged into my Chime account and slowly transfered all my tax refund check to her husband 's XXXX XXXX. She created a new XXXX XXXX and was able to connect my chime account to it. Her husband had built a driveway for me so I had sent him money in the past so that's how I knew who had done it! I immediately went and filed a police report and there is an active investigation. I submitted the police report and some other paperwork to chime and within 7 days they denied my dispute and refuse to give my almost {$600.00} back!
Consumer complaint received 2021-11-09
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. (AL)

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 33 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I was Charged {$160.00} on XX/XX/XXXX by XXXX XXXX and still have not received my products I ordered. 
I disputed the charges with PayPal and PayPal closed my case without resolving.
Consumer complaint received 2019-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2018-02-08
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: BBVA FINANCIAL CORPORATION (TX)

I've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

I am a victim of identity theft. Identity thieves have destroyed my life as well as my children lifes. Due to this on going issue I cant rent apartments, get credit cards, or start other accounts in my name. Unfortunately i was not able to find out about the theft until I reviewed my credit report or a credit card statement and notice accounts I didnt open, charges you didnt make, or until youre contacted by a debt collector.

I am requesting for the Debt Pro collect to be removed immediately, as the agent insured me it would be removed in 4days.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (FL)

I got a revvi card they charged {$89.00} activation fee and told me I would have my card within 14 days it had been a month I hadn't got my card so I called him and told him I was taking my {$89.00} back till I got my card and when I got my card I would send them the money back I got my card a week later I sent them the money back 7 days later they close my account after they already had the money back I used the card so when I saw they close it I went on there and I paid exactly what I used I paid the interest charge then they commence to telling me I had to pay the XXXX XXXX yearly fee after they close my account and charged me a late fee and started putting interest back on the card again I have a picture of it where I got it down to XXXX just the XXXX and the XXXX but now it just keeps going up and I refuse to pay the XXXX because I called them and told them what I was doing and they canceled me even though they had the money back
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Branch - XXXX XXXX, Fl. 
Unauthorized transactions to my checking account. Small withdrawals but all the same amount ( {$42.00} - 31 times ) over the course of a year. Bank agreed to reimburse me {$580.00} but will not credit back the balance {$790.00}. I asked the Bank to forward to me their policy statement and my agreement and signature - details stating that they are responsible only for 60 days following notification. They will not forward to me ( they do not answer my e mails ) and I am sure that I had never seen this policy or signed my approval to comply. I am a senior and this money is needed,
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports This LVNV FUNDING LLC is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.