davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FlexShopper, Inc (GA)

I am writing this complaint in regards of fraud activity going on in my checking account. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, GA XXXX. My car needed A LOT of repairs done to it, and the total costing of it was around $ XXXX. The man who fixed my car signed me up to a program called Flexshopper ( also known as FlexTires ). I did not have much of a say whether I want to join this program or not, and the entire transaction and information explained to me was inadequate. The man forge my income when I did not have a job at the time, and suggested that doing weekly payments was acceptable. Once we got to the end of the entire process, to sign my name was typed and not actually in signature form. Fast forward, weeks passed and I see the payments being taken out every Monday. Recently, XX/XX/XXXX they took out the payment and right behind that payment they took money out AGAIN on XX/XX/XXXX. Not sticking with the agreement they went in AGAIN, and took out another payment on XX/XX/XXXX. I went online on a computer browser to check my lease, and it claims that I do not have a lease agreement. When I use the Flextires app it states I have an agreement ; looking closely at the agreement there is errors, my name is not signed, the signature of the company does not look real, and my payment is only suppose to be {$46.00} and some change ( payments do not state they are authorized ). Tried to called the company three times no one answered, sent them two emails no one answered. Went to my bank ( XXXX ) to report a fraud and paid a {$31.00} fee. The fraud department did not do their job and now another payment has been taken out on XX/XX/XXXX. I am XXXX XXXX XXXX, stressed, working extremely hard to pay bills, to go back to college, and so forth. Having someone forge my information, taking out random deductions out of my checking account is infuriating. I have proof of everything I have said in this complaint and I need serious consequences to be handed to this company and XXXX XXXX XXXX XXXX. Also, my car is still messed up, my windshield fluid was completely empty, windshield wipers smudges, alignment not great, breaks are squeaking and creaking A LOT, I could go on. Thank you.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-04-05
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)

My name is 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 2022-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. 
I eaxplained I never took delivery of the mattress. 
XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. 
XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. 
XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. 
XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. 
XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. 

The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. 

I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. 
They tell me one amount but I check my account online and its always more. 
I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

Temp hold was taken out of secured credit and the amount of {$57.00} transaction was only {$27.00} receipt was supplied to verify this information bank refusal to return overage. Credit card was overdraft at three separate locations in which locations themselves are unknown requested camera footage and to be credited back funds in which place me an overdraft made multiple Friday investigations in which chime is not investigating properly and just denying all claims.
Consumer complaint received 2022-08-07
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. (FL)

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 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
Consumer complaint received 2022-04-19
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: Navient Solutions, LLC. (VA)

I paid off my personal loan ( amount {$770.00} ) with Navient as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX ( a XXXX ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that Navient continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from Navient reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, Navient needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.
Consumer complaint received 2020-12-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-04-05
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. (WI)

My name is 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 inquiries. 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 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (IL)

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
XXXX lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

I was enticed to sign up for a Shell Fuel Rewards Mastercard because of the following promotion : " Earn 10 % Shell rebates on your first {$1200.00} Shell non-fuel purchases per year. '' I was led to believe, by the lack of clarity in the pitch, that any non-gasoline purchase I made on the card would give me a 10 % rebate on the first {$1200.00} ( XXXX dollars ). 

After speaking to the card company on the phone, asking why I was not receiving the promised rebates, I was informed that the rebates only applied to non gasoline purchases made in a Shell convenience store. Seriously? They think I understand that I am going to purchase XXXX a year in candy bars, chips and sodas? I am not a smoker, so there is no savings to be had for me. I was deceived into signing up for this card. The advertisement was ambiguous and deceitful. 

It is not clear when the say " Shell non-fuel purchases '' that they mean purchases in a shell retailer. I understood " shell non-fuel purchases '' to mean purchases made with the Shell Fuel Rewards Mastercard.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (OR)

XXXX XXXX reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CA)

I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. 

I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. 

When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. 

After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. 

She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take

10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee
ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

I am a long time Citibank customer. Citi recently released a new promotion where you can receive a {$1500.00} bonus if you deposit {$200000.00} into a checking account in their Citi Priority or Gold premier banking accounts. I was told by Citi customer support that I would be eligible for the offer, but I needed to open a second Citi profile and deposit {$200000.00} or more in New to Citi funds into a checking account. This was annoying but I did it. I was just told by the Citi banker that I am not eligible for the bonus despite fulfilling the terms because I have another Citi profile. I can file a complaint or some nonsense with Citi. Please help me get the bonus that Citi promised me.