davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NJ)

I have 4 accounts with XXXX XXXX XXXX and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

On or about the XXXX of XXXX, my d debit card was stolen, and a {$60.00} purchase was made at a XXXX service station on XXXX. Probably a youngster because who else makes groceries at a service station. But anyway, a {$60.00} credit was added to my new card on the XXXX of XXXX, then it was taken off. Then on the XXXX. You'll see that they gave it back to me. Turned right back around on the XXXX and took it out. Things ran smoothly for a while then on the XXXX of XXXX. Oh my XXXX! {$300.00} in {$60.00} increments, came out of my account and began to be deposited on to all of the cards that I no longer use! Leaving me at a negative balance of {$53.00}. And my account had never been negative before! Sir or madam. I JUST WANT MY MONEY BACK INTO MY ACCOUNT! Thank you and have a blessed day.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.
Consumer complaint received 2022-06-27
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. (UNITED STATES MINOR OUTLYING ISLANDS)

XXXX XXXX  store gave me a credit card without my consent and I immediately cancelled and told them this was not authorized and not to report this because I did not consent.
Consumer complaint received 2018-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MN)

I have complained several times about the constant calls. They continue to call every day 5 to 10 times a day. The last excuse was to remind me of payment due. I am on XXXX and Federal payments are exempt according to Fair debt collection act. Yet they continue harassing me continue to add fees and interest. Now I have a bill that is tripled and getting letters from a law firm next. 
This place is supposed to help support consumers and I am yet to see any results. I wonder if I am writing to a machine because it's being ignored. XX/XX/2018 was bill of around {$2200.00} a week later it was an interest addition to bill of {$500.00}. Then it was late fees on top of penalties raising interested for late fees and this never stopped until debt has doubled. Now they can look good by taking less and still get full value of total debt. If the law allowed to take Federal funding which it does not. They violated several laws and continue to get away with this.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (GA)

I DO NOT RECOGNIZE SUCH INFORMATION. I RECIEVED SOMETHING IN THE MAIL REGARDING A BALANCE I HAVE NEVER APPLIED FOR NOR DO I UNDERSTAND WHERE THIS DEBT CAME FROM. 

LTD FINANCIAL SERVICES IS ATTEMTPTING TO COLLECTA DEBT FROM ME ( CONSUMER ) IN WHICH I DID NOT CREATE!!! 

THIS INFORMATION IS INCORRECT!!! 

Original Creditor- XXXX XXXX XXXX  amount is {$5900.00} and is INCORRECT!!!!!!!!!! 

REFERENCE NUMBER - XXXX XXXX
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (PA)

I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (PA)

ALLY FINANCIAL is reporting a negative account with a balance that does not belong to me on my XXXX  Credit Report. They are intentionally violating my consumer rights by continuing to report this account under my name while they were informed it does not belong to me.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (FL)

Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX  ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank : Original complaint : Case XXXX Referred from Office of the Comptroller of the Currency, CAG. 

Payment was made over the phone to closed Chase card on XX/XX/2018. According to XXXX XXXX XXXX, the agent " misapplied '' funds, so that the funds were not deposited into account until 14 days later. This resulted in credit reporting with late payment. I called Chase bank personally on the XXXX, and again on the XXXX asking where the funds were. The bank only stated that the funds were not paid, refused to look for payment, and did not want confirmation number showing the funds were transferred out of my account to Chase on XX/XX/18. 

After notification to Chase, I was told that bank could not " correct '' negative information. Additionally, they re-reported the " late payment account '' after notification of their mistake, and my account closed with a {$0.00} ballance. 

This directly caused an increase in my insurance quoting for my business and home. This was the only negative information or change to my credit reporting between quote and notification of final cost.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (FL)

I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions. I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK (NY)

I recently opened an online savings account with Vio bank. I requested transfers from my XXXX checking account to Vio for the following amounts : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - {$25000.00} I then received a notice that my checking was overdrawn because another transfer was requested on XX/XX/XXXX for another {$25000.00}. 

I then received a Vio email that yet another transfer was unable to process on XX/XX/XXXX in the amount of {$5000.00}. 

These additional transfers have overdrawn my XXXX Checking account and put me at serious risk of not being able to pay my bills. 

I asked Vio bank to stop the excess transfers and they told me they would need to open a dispute which could take up to 90 days. 

I finally put a stop payment for the excess {$25000.00} with XXXX that cost me a {$30.00} fee. 

I don't know if my account was hacked or how the excess transfers were initialized, but they were not done by me.
Consumer complaint received 2022-11-27
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. (CA)

ftc report attached I am a victim of identity theft, the information, superficially on my Experian Credit Report ; there are 4 fraudulent hard inquires, which appears on my Experian inquiries, does not relate to any transactions that I have made. It is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed!
Consumer complaint received 2021-07-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I had applied for an FHA mortgage in XX/XX/XXXX thru quicken loans. I went thru the whole process. I explained my situation that I had filed for chapter XXXX bankruptcy XXXX XX/XX/XXXX ) and had come out of the 2 year waiting period on XX/XX/XXXX. I also explained that I had used the XXXX forbearance and due to XXXX, I missed 2 payments ( XX/XX/XXXX and XX/XX/XXXX ) and I had made them up in XX/XX/XXXX. My mortgage is now up to date. Because I did not have a full 12 month payment, I was told that I was ineligible for a refinance with cash out. I felt that I was being punished for using XXXX  forbearance and was not given information regarding the consequences of using the forbearance. After going thru the whole process when it came to closing, they told me that I was I ineligible for a loan. I still dont understand why. I have made all payments and my mortgage is current.
Consumer complaint received 2022-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I own Bank Of America Credit card more than 3 Years. I own 3 Credit cards and I closed one card which I was not using for Years. I paid off all the balances and asked Customer care to make sure my Credit score is not impacted. They did acknowledge no impact and the call is recorded and I agree to close the card. All of a sudden my XXXX score has dropped from XXXX to XXXX. I always pay all my dues on time and never had any loan so far. 

I raised complaint with Bank of America and they acknowledged the mistake but I am not sure how I get my credit score back. 

Now, I am looking to buy my first home in US. But this sudden drop in my score is really hurting. Please help me and correct my credit score.
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections (ND)

XXXX XXXX XXXX XXXX - {$11.00} XXXX XXXX XXXX XXXX - {$25.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$990.00} Never received any medical bill from XXXX or XXXX XXXX. 

Company that is sending the collection letter is AAA Collections , INC,
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-27
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-06-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account, instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (MO)

I have contacted XXXX, Equifax, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX a natural person is ceasing communication with you Capital one pursuant to 15 USC 1692C ( c ) Send your letter through the CFPB that you have been notified by the consumer to cease communications with the consumer.