davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I first learned my ID was stolen on XX/XX/2023 when I found out there was an electronic withdrawal from my checking account to fund an XXXX account. I immediately contacted my bank and XXXX. I requested my bank to close the checking account and notified them the withdrawal was not authorized my me and it could be a fraud. I also spoke with XXXX and they were able to close the account and no money was transferred. I then received calls from XXXX XXXX XXXX and XXXX about some unusual activities ( some {$4000.00} purchases were made with some new accounts ) and asked to verify. I told them that these are fraudulent accounts opened without my knowledge and consent. They took the action to deny these charges and closed the accounts. A few days later I noticed in my credit report there was a charge of {$330.00} came under Barclays Bank Old Navy credit card which is fraudulent. I contacted Barclays Bank and notified them in writing the account was not authorized by me and they started an investigation. A couple of weeks later they sent a letter and said they completed the investigation and the account is valid. I then received a bill from Barclays Bank charging {$330.00} plus {$37.00} late fees.
Consumer complaint received 2022-12-07
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: Consumer Adjustment Company Incorporated (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RSVP Lending, LLC dba RSVP Loans (MO)

I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.
Consumer complaint received 2022-12-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (AZ)

I have sent numerous emails and called many times in order to dispute the debt this outstanding with XXXX XXXX XXXX. On numerous occasions, I have tried to get a hold of someone via the phone as I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX in XXXX for the XXXX. Additionally, when I was transferred to XXXX for my XXXX XXXX XXXX I attempted a few more calls. I was advised that I could only speak to one specific person in regard to my account. Since I stopped going to this I have tried to get what I owe the balance of {$2400.00} which was opened on XX/XX/XXXX. This account also has been placed on my credit report and this school  is preventing me from completing my education because of this hold. I tried to resolve this debt and made inquiries as to what this debt is for. The school and its representatives refuse to answer my questions or respond to my calls/emails. I do know that I dropped XXXX classes in which one I was advised did not cost me anything and then the second one was already funded by the XXXX XXXX Assistance program in which I had to pay the XXXX back {$1000.00} for failing to drop the class in time. Is this how XXXX XXXX get treated even after becoming XXXX XXXX  XXXX The Veterans Affairs has XXXX my prior student loan debt but XXXX XXXX wants to continue to hold back my education.
Consumer complaint received 2022-12-07
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: CURO Intermediate Holdings (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-07
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: Self Financial Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 15 U.S.C 1666B : 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 2022-12-07
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Sequoia Financial Services (NV)

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Debit card got charged on XX/XX/2022 for {$4900.00} plus {$140.00} related bank charges for international use, I filed complain to reverse the transaction and instigate it, the bank refused and asked to wait for 90 days, after reaching out to merchandiser they rejected to refund the amount, I already black listed this merchandiser from using the card illegally replaced both my credit card and debit cards to protect against bank security issue. I made many calls and finally filed a complain and again no feedback for weeks. The same problem happened before and reported here on XXXX XXXX and had to escalate to get my money back.My business account number XXXX Name of Account XXXX XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX, complain number XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

I contacted Hunter Warfield about at {$6100.00}. I was informed by Manager XXXX XXXX was due to an XXXX XXXX lived in XXXX XXXX in XXXX XXXX, Illinois. I do not know the accurate address. I informed him that the address was not on my credit report nor does an inquiry appear. I completed an identity theft form on identitytheft.gov. They could not validate the ownership of the debit but stated it would not be removed.
Consumer complaint received 2022-12-07
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: CREDIT ACCEPTANCE CORPORATION (IN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

In accordance with the Fair Credit Reporting Act my rights has been violated. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also States A consumer report furnish an account without my written instructions.

15 USC 1666B : A predator may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX, Experian, XXXX, XXXX, and XXXX XXXX have continued to report me as deceased, this has continued despite their lawful obligation to do " maximum due diligence ''. for 1 year now i have disputed this information every month. it continues to appear to this day. i am not deceased i have asked to cease letters to my estate asking for payment. the harassment continues. this has caused tremendous damage to my life relationship and credit and finance. all of my cards have been shut off and reported to affilates and networks over illegally.
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CO)

On XX/XX/2022, XXXX transferred my home mortgage to Guaranteed Rate. Guaranteed Rate has twice sent me correspondence adjusting the escrow payment made. In the first letter, it advised it would be sending me a check for approximately {$1200.00} for overpaid escrows. That check never came. 

Shortly thereafter, Guaranteed Rate sent me a letter advising that my escrow would be increased every month by $ XXXX, and that they would be adding hazard insurance to the escrow. I called them XXXX times. On the third call they acknowledged they had not received information about my insurance, and that once it was received, they would decrease the escrow payment to the original amount, starting XX/XX/XXXX. My insurance agent ( XXXX ) sent proof of insurance. Guaranteed Rate has not decreased the mortgage amount due, with the additional, incorrect escrow amount.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (KS)

I just recently look at my report XX/XX/XXXX. I see some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b.
Consumer complaint received 2022-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I received XXXX XXXX discharge of my debt from XXXX XXXX XXXX XXXX of my student loans that were consolidated through NelNet. They received payment from the Department of Education on XX/XX/XXXX. My account was not updated until XX/XX/XXXX. Their website tells me they were paid an excess over XXXX XXXX and to call to see if it can be refunded to me. I have called approximately XXXX times and have gotten a different answer each time. Their staff is rude and incompetent. No one can or will tell me how to receive a refund of the excess.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/22 I noticed my credit debit card was declining so then I attempted to log on to my citi bank app and their webpage neither of it was letting me log in with my correct information I went in person to the bank and they told me that my account is closing but gave me no reason for the accounts closing my checking account has almost {$400.00} in it and my savings account has {$10000.00}! They are refusing to give me my funds and they are not giving me a reason for my account to be forcefully closing out of no where I feel like citi bank is scamming me out of my hard earned money this is causing me a hardship that I have no access to my funds they wrongfully are closing my account and telling me no reasonings for it!

When I call and get in contact with fraud department specialist team all they tell me is that it could take 30 to 60 days to receive a letter in the mail and even then I wont have my money!
Consumer complaint received 2022-12-07
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 
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 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 EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN 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 XXXX XXXXXX/XX/XXXX. 


If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a complaint regarding an issue with a reinsertion of the XXXX  XXXX account on my credit report by TRANSUNION. I initially disputed this account, and it was successfully removed. However, on reviewing my credit report yesterday, I discovered that the account had been reinserted without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I should have been notified in writing within five business days of the reinsertion. This lack of compliance has caused unnecessary harm, impacting my credit standing and trust in the reporting process. I request the CFPB to intervene to ensure that this account is permanently removed from my report and that the bureau adheres strictly to notification requirements for any future changes. I also ask for appropriate oversight measures to prevent further violations of the FCRA.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Transunion. Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion. Creditor Name : XXXX  Date of XXXX, TransUnion.