davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
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: Santander Consumer USA Holdings Inc. (NV)

I have a loan with XXXX XXXX XXXX, XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Looked at my credit report and saw comonwealth financial added items to my credit report when I did some research one item that is listed as me owing XXXX is beyond statue of limitations in the state of Florida also another item was removed in XX/XX/2018 for the exact reason this company has not sent proof of debt or notice to me with date of original service but has re aged the debts to collect
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX i paid off my account with Citibank and they refused to release my credit limit. I understood a few days would be reasonable but they wanted me to wait almost 2 weeks. I voiced my complaints about how rude they staff was and sent a message in the secure messaging center. In response they completely closed my account in retaliation.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NV)

I called Chase multiple times before using my card to purchase travel to verify how the redemption process works In XXXX   2019. I was told each I could redeem towards travel however I was never told the travel had to be purchased through Chase. I asked for the calls to be reviewed and was told it would take 3 weeks and pretty much called a liar. I am leaving the XXXX and need a resolution due to misinformation. I spent {$4000.00} and cant redeem my points earned towards my travel purchase.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys
Consumer complaint received 2019-02-16
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. (NY)

On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, Equifax and XXXX have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.
Consumer complaint received 2019-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SRA Associates, Inc. (IL)

Company by the name XXXX XXXX XXXX. Has purchased a account from XXXX XXXX  account # XXXX which is a fraudulent account that was merged with someone elses identity. I spoke with a SRA employee on XX/XX/2019 explaining fraud was involved in this account and XXXX has the FTC Fraud report and that it is illegal for them to even attempt to collect from me. SRA still pursued me Im seeking assistance from the CFPB, and FTC to help me pursue XXXX XXXX and SRA for non compliance FCRA XXXX which penalties of {$3800.00} per violation. 

Documentation attached Proof of identity, FTC fraud report, documentation of account mixed with unknown account and credit report with information on my credit report from unknown account. Illinois Attorney General report. XXXX XXXX acknowledgment of complaint.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was moved from my lender XXXX XXXX XXXX to Mr Cooper. It happened around the time a payment was due and Mr Cooper did not clearly communicate the process and did not tell me that my autopayment from my bank would be transferred to them ( without my consent or knowledge ). As the payment was several days late I set up a separate payment as I was concerned about missing a payment. The day after that payment was made, the autopayment was made ( I had no knowledge that this would happen ). This put my account into overdraft. 
Mr Cooper promised in their introduction letter that I would not suffer any financial loss due to the move of my loan to them. I complained to Mr Cooper about the cost to me caused by them due to my overdraft situation. Fortunately, I had an arrangement with my bank for credit card overdraft protection which mitigated the cost. However, there was still a charge for using my credit card. 
Mr Cooper has been very obstructive by requesting a letter from my bank and only providing a fax no to send my evidence of financial loss. I complained about this and they promised to phone me - I have not received a call.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I recently pulled my credit report on XX/XX/XXXX and seen some unauthorized hard inquiries I contacted the companies personally but letter and yet gotten a response so I called after 30 days and a employee caught an attitude with me and told me to reach out to the credit bureau and hung up on me. I contacted XXXX and Equifax and they yet have deleted it and XXXX says its verified but yet sent proof.. I just need these unauthorized inquiries removed asap its been over 2 months XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
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)

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2019-02-16
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: Experian Information Solutions Inc. (NY)

On my three credit file I noticed that I have numerous credit inquiries I would like these to be removed Im have a hard time trying to get approval for a suitable apartment I am unable to disputes these inquiries with the companys
Consumer complaint received 2024-10-31
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. (NC)

I am filing this complaint to address numerous unauthorized credit inquiries that have appeared on my credit report without my approval or knowledge. These fraudulent inquiries have negatively impacted my credit score and caused considerable concern.
Consumer complaint received 2019-02-16
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. (TN)

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Amscot Corporation (FL)

On XX/XX/2019 Ive been using the XXXX XXXX XXXX ( over the Internet ) by trying to send a few dollars to my relative in XXXX. As usual, the XXXX XXXX has done a good job, counting and giving me a final bill. All I have to do is left is to drop off the money to the agent. No additional fees. 

Around XXXX XXXX I have stopped by the XXXX XXXX XXXX to ask them if they are the agent of the XXXX XXXX and can I drop the cash here. Since then, for about the forty minutes I have been harassed or/and discriminated by scam artists from XXXX XXXX XXXX. 

The employee of the XXXX XXXX XXXX. Mr. XXXX XXXX ( and two more of the employees ) has attempted to defraud the myself by violating my civil and constitutional rights as well as trying to trick me by demanding financial and personal information in addition to pretended services, as well as attempted to defraud by trying with intent to obtain property ( cash ) by false or fraudulent representation. 

At the end of the forty wasted minutes they have produced me a bill of fraudulent {$320.00}, which was {$19.00} more then the original XXXX XXXX bill. 

Next, I have been trying to contact the XXXX XXXX XXXX. Customer Service That is very poor customer service! The pirates from the XXXX XXXX XXXX saved and protected by their Very Poor Customer Service. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Website : https : //www.amscot.com/
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

I XXXX XXXX XXXX RETURNED THE EQUIPMENT THAT WAS LEFT WHEN I STOP MY SERVICE WITH XXXX AND THEY ADDED ALL THESE LATE FEES AND EQUIPMENT CHARGES TO MY ACCOUNT AND I HAD TO TAKE THE EQUIPMENT AND SEND IT OFF THROUGH XXXX   AND I DO NOT SUPPOSE TO HAVE A BILL WITH THEM AT ALL I CHECKED MY CREDIT REPORT AND O HAVE THIS ON MY CREDIT REPORT THAT IS INCORRECT AND NEEDS TO BE DELETED
Consumer complaint received 2024-10-31
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. (FL)

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

Inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2019 my wife and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with Barclay Bank for {$13000.00}. We are disputing that with Barclay now. Barclay said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person. The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is XXXX XXXX but the money transfer was to XXXX XXXX XXXX.
Consumer complaint received 2024-10-31
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)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

JUDICIAL NOTICE XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX Dear WELLS FARGO XXXX Hereby Judicial Notice is given : I XXXX XXXX XXXX XXXX XXXX am writing you today as an aggrieved man. WELLS FARGO does not have my permission and or consent to provide or share any of my private information with any public and or private entities. WELLS FARGO does not have my permission and or consent to share any identifying information to any public and or private entities connected to XXXX XXXX XXXX. WELLS FARGO does not have my permission and or consent to allow any entity, public and or private to place a lien on any checking or savings account XXXX XXXX XXXX has with WELLS FARGO.
Consumer complaint received 2024-11-28
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: CITIBANK, N.A. (FL)

Somebody made a hard inquiry using my information, which I did not authorize. 
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
Consumer complaint received 2024-10-31
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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

In accordance with the fair credit reporting laws. These list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, they reported inaccuurate information and then updated inaccurate information to their liking without removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They violated my rights. 

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 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

Citi AA XXXX Master card, transactions does not go through when booking for travel hotels.

Call to clear and told me they can not help and is going to be sending me a letter to address the issue without able to expedite the letter or give me what they are missing to verify ; accusing me the card holder is not the actual card holder without performing kyc verification or any other justifications.

Card is going to be remain unusable for the upcoming trip and only hurts my credit score.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NV)

Dear Barclays Bank, I am writing to express my disappointment and concern regarding the recent, and unexpected decrease in my credit limit on my Barclaycard Arrival ending XXXX account. While I understand that credit card issuers may periodically review accounts, I believe this decision was not justified based on my long-standing relationship with your company and my consistent history of responsible credit usage. As a loyal customer, I have always made timely payments and maintaining a low credit utilization rate. This the recent decrease in my credit limit could potentially negatively impact my credit score and limit my financial flexibility, particularly during unforeseen circumstances. I believe this action may be in violation of the Uniform Commercial Code ( UCC ), specifically 9-109, which prohibits secured parties from denying credit applications based solely on creditworthiness or score. Additionally, UCC 3-402 establishes that a signature and intent to agree to a contract or financial arrangement are binding and enforceable. I kindly request that you reconsider your decision and reinstate my previous credit limit. If this is not possible, I would appreciate it if you could provide a clear explanation for the decrease and outline the steps I can take to increase my credit limit in the future. Thank you for your prompt attention to this matter. I have consistently paid my credit card balance in full and on time. My history demonstrates responsible credit management, which should be a key factor in determining my credit limit. This unexpected decrease could potentially limit my ability to utilize the card 's travel benefits for upcoming trips.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.