davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

On XX/XX/year> I tried to make an XXXX pay transaction for the amount of {$50.00}. The transaction declined and I received a fraud alert text in which I verified that the transaction was me. I tried to use my debit card after and the card kept declining. I then called citibanks customer service line to inquire about why my card is declining because I verified that I was the one attempting the transactions. They told me in order for me to get my account verified they would have to call my phone number. They claimed to had called my number multiple times in which I didnt receive any of those calls. The next morning, still faced with the same issues I tried to call again. This time I was told that I was unable to be verified through the phone and that I needed to get a letter sent to my house with a reference code that should take 7 business days. I then noticed that my online banking access has been blocked. It is now XX/XX/year> and I still have no access to my account or funds. I tried to call today and they told me in order to access my account they would have to send another letter in the mail. It has now been 3 weeks without access to my money and it is so frustrating because now I cant even pay my bills and now I have to wait another 10 business days for this letter. This is such a disheartening situation and I wish it can be resolved immediately.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

To whom it May Concern : I am writing to formally follow up on the recent reinvestigation of my account, Account # : XXXX which I initially disputed on XX/XX/year>. After reviewing your findings, I understand that the account has been verified as accurate. 

While I appreciate the effort taken to verify the information, I would like to request further clarification regarding the verification process and the specific data that was reviewed. Understanding the basis of the verification is important to me, as I wish to ensure that all information reported is not only accurate but also complete. 

Please provide me with the following : 1. A detailed summary of the data that was verified.

2. The sources used to validate the information.

3., Any supporting documentation that confirms the accuracy of this account.

If there are any discrepancies or unresolved issues that need to be addressed, I would appreciate your guidance on how to proceed.

Thank you for your attention to this matter. I look forward to your prompt response.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On the evening of XXXX XXXX XXXX, I saw that I had received two emails from Chase Bank on XXXX XXXX XXXX about a credit card that had been opened in my name. I also received a number of alerts from various companies that monitor my credit and banking transactions about a hard inquiry to my credit for the credit card. I did not open a apply nor opened a new credit card. Since discovering the fraudulent activity ( i.e. opening a credit card w/o my knowledge or consent ), I contacted my credit monitoring agency ( XXXX XXXX XXXX ), Chase Bank , and my local law enforcement ( XXXX XXXX Police Dept . - Non-Emergency ). Luckly, nothing was charged to the credit card. I have placed a freeze on my credit with all 3-credit bureaus, had the credit card cancelled and marked as fraudulent, and my Chase Bank password changed. I did see a phone number on my Chase account, under " Profile & Settings '', that I did not recognize ; XXXX. That phone number has since been deleted from my Chase account. I can provide screenshots that I took before I made changes to my account and/or the emails I received from Chase Bank regarding the issuance of the credit card, if you wish. I am more than willing to discuss this further over the phone too.
Consumer complaint received 2023-09-26
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. (FL)

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AZ)

I have had a Macy 's credit account for years with no problems, as the attached screenshot of my credit record shows. About a year ago, I made a purchase at one of their stores, one of many purchases I made at the holidays. I did n't receive a bill, but did n't realize it because I 'd done a lot of shopping, and because I deal with a lot of transactions and bills in my position as a business owner. In addition, I depend on receiving bills so that I remember to pay them. Months passed, but I never received a bill, a call or an email from Macy 's, despite all of my contact information being readily available. I had no idea there was any problem. 
In XX/XX/2016, I received a somewhat rude call from Citibank telling me that I owed Macy 's money. I had no idea what they were talking about, and they could not or would not give me any information about why they were calling -- I actually thought it was a phone scam, so unprofessional and unhelpful were they. A week or so later, I was at a Macy 's store and thought I could investigate the problem there. No such luck, and a call to the general credit department number took me to their 3rd party collections company as soon as my account number was entered. Again, these folks could n't or would n't tell me anything about my supposed bill. A week or two later, I was finally able to get someone at Macy 's to tell me what I bought, where and when -- why on earth should obtaining this information have been so difficult?? This person eventually provided me with a mailing address and I sent Macy 's a letter and a check for the entire amount ( less than {$100.00} ). Getting to this point took roughly five calls to Macy 's to get someone who a ) was in this country and understood the situation well enough to do something about it ; and b ) would n't send me to back to Collections, even when I asked ( begged ) her not to send me there again, since they could n't or would n't provide me with any details of the transaction. 
As if this were n't bad enough, when I checked my credit report last week, I saw that this account was reported as delinquent and sent to Collections, which has put a big dent in my credit and caused other companies to charge me more for their services. I feel this is unfair, unwarranted and Macy 's should have to repair the damage : I did NOT receive a bill from Macy 's, and was told that once the account balance owed goes past 30 days, it 's sent to Collections. What??? No email, no call, no late fee and interest added to next month 's bill?? Then nine months later, I get a rude call without any information I can use to figure out what happened?? And now my credit is damaged and other bills are going up because of it?? That 's not okay.
Consumer complaint received 2023-09-26
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. (GA)

On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with XXXX but not late with Transunion and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on XXXX but none with Transunion which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (VA)

I was contacted by a wrong number and eventually got dragged into conversation with this lady, at some point we moved our conversation to XXXX were she introduced me to a crypto trading platform called XXXX. This was a clone company so I could not know that these were fraudsters. For some time, I was trading with some success, but at some point, their support service told me that I must pay certain tax or I will face penalties on a daily basis. I was scared and I had to take loan due to the fact that there was no way for me to earn that much money. XXXX, who was initial contact reassured me that this is normal procedure with trading platforms and I fell for it. I ended up losing XXXX USD which was my entire life savings Funds were transferred from my Ally Bank account, I have approached them with an ADR and they closed my account and took all money out and sent it to me via mailing address. 
I have accused hem of breaching CDD measures and asked for chargeback, or reimbursement and this is what they did, I am so disappointed. 
They sent me a written explanation on my request few days after they closed my accounts. 

Excuse was that my account was involved in suspicious activity, but they said this only after I approached with ADR letter.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (TX)

I was suppose to be the co-signer but they had me sign on the line as buyer,, which I should have looked at closer but I just signed where they had the little tabs marked. After I signed I was told I could leave and the ones buying the car were to stay. The car was repossessed and I found out afterwards I was the buyer so it messed up my credit. The other people werent told to sign anything but were given the keys and left. I didnt fill out an application but someone there did saying I make over {$46000.00} a yr. Which I dont. I only get {$590.00} a month social security. When I asked for a copy of the contract, I got it then about a week later I received a letter offering to buy the car back,, which I never had,, never even been in the vehicle.So it was a straw purchase using my credit score and someone elses income .Iwas lead to believe I was the co-signer and signed where I was told. Now its messed up my credit and were trying to get things done on our house but cant because of this. The vehicle was bought from XXXX XXXX in XXXX Texas and financed through Chrysler.I need this cleared up asap but all they say is well you signed the papers! If they would have been honest I would have never signed those papers. The vehicle was repossessed and sold in the XXXX area but theyre still showing I owe almost {$15000.00} on it. Please help me. I tried the XXXX and they suggested going through you.
Consumer complaint received 2017-09-30
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. (MD)

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I applied for the new SAVE plan in XX/XX/2023. I received an email on XX/XX/XXXX telling me my application was still pending. When I access the website, I can not find any information about the status of my new repayment plan request. The website shows my old payment amount ( I've since divorced and have significant additional expense ) and I can not find any information about my new repayment plan or if its even approved. I have attempted to call NelNet on three occasions, both times I have ended up in the queue for over 45 minutes and eventually had to hang up because I have a job and need to work to pay my student loan back and can not sit on hold all day long. How can we get back into repayment if we can not even get information about our loans? I need to know if my application is still in process, if not when it will be decided and if it's been decided, what was the outcome of the decision and how was my payment calculated.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I tried to pay my XXXX XXXX XXXX card on line ... My info was lock, I called the number provided but its a third world country with a broken XXXX. speaking person who I can't communicate with or het my problem resolved ... two weeks later I was still having the same problem so ... .. so I wrote a personal check cut up my card and included a note telling the company of my displeasure and no assistance that could help and suggesting they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..this caused CITIBANK to get upset and refuse my payment which will be late as of XXXX XX/XX/2023. I sent a payment of {$990.00} via check but over a week later they refuse to cash it and close out my account .... I now assume they will delay and delay and charge me a late fee and ding my credit report which should be illegal.I have warned the Company of my report to the FTC and a possible law suit in response to their refusal to accept my payment..... Just wanted a paper trail so when they do their dirty deed I have proof of my attempt to settle my account
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TX)

World finance at XXXX XXXX XXXX, XXXX Texas XXXX. I have a small personal loan with them and they call me three and four times a day. I looked it up and they are supposed to only call me seven times in a consecutive seven day period, at this point it is harassment.
Consumer complaint received 2023-09-26
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)

In accordance with 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. 
Account name : 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 XXXX681 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 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-09-26
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting Act 15 U.S.C 1681 section 604 A. section 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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. 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2024-10-05
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX
Consumer complaint received 2024-10-05
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX