davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (NV)

Since 2019 I have made payments through a nonprofit debt repayment program at XXXX XXXX XXXX XXXX. When I entered the repayment program ; a proposal was sent to this company Klarna to resolve this debt. The agreement provided for a reduced interest rate 10 % and a modified monthly payment. 

With this agreement I show a current balance owed of approximately {$450.00}. Klarna claims I owe {$600.00}. 

I am unable to speak to any representative regarding this matter. No representative can or will answer questions or seems to have any knowledge of the agreement. 

I am attempting to resolve this debt according to the agreement of XX/XX/2019.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank charged me {$160.00} in fees for a {$16.00} overdraft. 

On XX/XX/XXXX, I was billed {$39.00} for my phone bill at which point I had {$23.00} in my bank account. That lead to an overdraft of {$16.00}. 
The next day, I was charged a {$37.00} overdraft fee. And every 4 to 5 days following that, I was charged {$30.00} ( I was charged 3 times ). On XX/XX/XXXX, I was charged {$35.00}. 
The total of all the fees added up to {$160.00}. 

I had no knowledge that these fees were piling up as I was never notified through email/text/phone. The only way I would've known was if I had logged on to my account, or until I received a final notice on XX/XX/XXXX in my mail that they were going to shut down my account and notify the creditors, threatening that " this will have a negative impact on your future banking privileges '' unless I paid the overdue amount. 

On XX/XX/XXXX ( the day before I received my " final notice '' ), I had luckily logged on and that's when I noticed I had accidentally billed the wrong bank account and that I had a ridiculous amount of overdraft fees. I immediately called and asked them to waive the fees. The service rep told me that they will provide a one-time waiver, but it was only {$70.00}. I was still down {$90.00} on my {$16.00} overdraft, so I kept asking to waive the entire fee and talked to multiple reps, but they were adamant that the system would only refund once.
Consumer complaint received 2023-08-18
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

Saturday XX/XX/2021 l contacted amerisave mortgage to check on a refi. All was approved and I was told my monthly payment would be XXXX and the payoff will be XXXX on this refi. This was after I provided all information needed and I allowed the rep ( XXXX XXXX ) Loan Originator NMLS ID # XXXX to pull my credit for finalizing the deal. After the credit was pulled the rep verified a few more details concerning employment and the stated well the payment will now be XXXX and the payoff is now XXXX and we need some assets!!! I said whoaaaa, what are you talking about? I have no assets. I have a truck paid for. He than asked what's it value and I stated XXXX XXXX maybe. I asked what is all this about assets all of a sudden? He literally couldn't explain and rushed me off the phone stating let me get the terms of the agreement to you so you can see for yourself ( which he has yet to do ). I asked him if he's made a mistake to just admit it and he said again let me get you the terms of the deal so you can see them. I agreed and it looks like either a bait and switch took place or this rep don't know what he was doing or saying. I wand an explanation ASAP as he ran a hard credit pull by flat out lying to me and then changing quoted amounts to highly inflated amounts with no explanation and I have yet to hear back from him or see any terms on that refi.
Consumer complaint received 2023-05-05
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. (MD)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX, XXXX, and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance XXXX {$940.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  XXXX creditor XXXX XXXX XXXX. XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a XXXX XXXX  from XXXX XXXX  that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with XXXX XXXX, transunion, XXXX and can't resolve the issue.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system XXXX XXXX XXXX is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an apt with a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me XXXX XXXX XXXX XXXX XXXX XXXX then I have to wait weeks for my report thankyou
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-08
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)

RE : DELETIONS TO CREDIT REPORT Within the copy of my credit report which I have received recently, I found items of concern for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

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 XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.
Consumer complaint received 2024-11-14
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. (SC)

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX OF XXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 's XXXX & XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2021, I received a notice via XXXX dark web monitoring that my checking account ending in XXXX had been exposed on the dark web. I called Bank of America and requested the account to immediately be frozen and the freeze was placed on XX/XX/2021. Bank of America 's Fraud Department advised me that ALL debits would be declined for this account effective XX/XX/XXXX. I had valid ACH payments already sent by billers sent to this account. Some of them were approved but then returned. I have since made those payments to my billers. My payroll deposit was transferred to this account on XX/XX/2021 from XXXX XXXX for {$300.00}. I also had an ACH debit from XXXX XXXX for {$15.00} come in on XX/XX/2021. I also had a deposit of {$98.00} via XXXX credit to this account. I have spent 6-9 hours on the phone missing time from work trying to get access to MY money transferred to the new account that the Fraud department established for me. I was transferred across multiple segments and never got the help I needed. I finally came in to the XXXX XXXX located at XXXX XXXX XXXX in XXXX TN XXXX to attempt to get this resolved. The XXXX XXXX employees advised me my account was overdrawn, there was nothing to transfer. I explained what process I had gone through and they advised I needed to call customer service. This is absolutely unacceptable. The BXXXX XXXX should not advertise itself as a " Full Service Center for Bank of America clients and products we offer '' if they in fact can not do anything but make excuses and refer me to somewhere else. I have had valid transactions bounce out of this account, remade them using a different bank. I asked that ALL of my accounts and my entire relationship be closed and was advised they are unable to do so and offered no help. I am filing this complaint while in the branch. The agents at the XXXX XXXX now are on hold and can not even access the support team.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC (TX)

I have had an auto loan with Global Lending LLC since 2016. When making extra payments, their website doesnt allow you to pay principal only and claims any payments over the amount due each month goes to principal. I recently found out that this is not the case, and my extra payments over the years was not going to principal. I was made aware of it this month when I made a much larger payment than usual and it was applied to future payments. They corrected that payment but are refusing to correct the others.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.
Consumer complaint received 2022-11-19
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. (MN)

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO TRANSUNION VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) Such amount of punitive damages as the court may allow ; and ( XXXX ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.