davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year> for XXXX XXXX XXXX ; XX/XX/year> and XX/XX/year> for The Tennessee XXXX ; and XX/XX/year> for Citibank Best Buy. I have attached a copy of the identity theft police report to this complaint.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TN)

I have a XXXX XXXX ( Continental Finance ) that I closed about 2 years ago. It had not been delinquent but I wanted to pay it off. I have never missed a payment of $ XXXX since I had the card. About 3 months ago I wanted to put it into a debt management program ( XXXX XXXX ) to get interest rate down to pay it off. XXXX XXXX contacted them twice to send a proposal and they never responded to it. All the while I was still paying the $ XXXX to keep the account current. Due to problems with XXXX the account had a late payment of a matter of days and XXXX charged a late fee of {$39.00}. Since XXXX  really had no interest in working with me or XXXX XXXX I requested XXXX XXXX forget about it and I would just continue to pay $ XXXX. To make a long story short XXXX charged me another {$39.00}. I set up autopay for XXXX and requested that they pull $ XXXX. However, because of the late fees I had a payment due of {$160.00} ( which was totally erroneous ), they were supposed to pull a payment of {$35.00} of XX/XX/XXXX and instead pulled the {$160.00}. I called my bank to stop payment on the {$160.00}. They have tried to do this but because the payment hasn't posted yet they are unable to do it until it posts. I called XXXX XXXX and got them to drop the late fees after I informed them that late fees have been capped to {$8.00} for each transaction. Well once I told them that they dropped the late fees and we had a conference call with my bank and we are going to have another conference call once the {$160.00} posts to my checking account to have this charge refunded back into my checking account. I'm requesting that you look into the practices that XXXX ( XXXX XXXX ) is engaged in. I'm sure I'm not the only client that they are charging exorbitant late fees to. Please look into them because what they are doing is usury. Also, their customer service is atrocious ; it's like they intentionally make it difficult to connect with them ; it's like they are trying to hide their business practices. I would appreciate any help you can give me in resolving my issue and ensuring that no other customers have to be subjected to what I've been subjected to.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NJ)

CAVALRY SPV I , LLC sued me for debt while I was in the process of declaring bankruptcy. They did not serve me notice at the proper address ( I did not reside at the address they did serve ). They levied my bank account and took {$1200.00}, well above the amount allowed. I am indigent, living on welfare. The court nevertheless decided against me, despite at least two clear violations of law ( failure to notice, taking above the amount allowed ). When I first submitted paperwork to reverse the judgement, I demanded to see proof of service, Cavalry failed to provide it. 

I would like to clarify that I have been incarcerated from XX/XX/XXXX through XX/XX/XXXX, and from then on I remain on parole. My whereabouts are absolutely clear, despite the court complaining that my address is not stable. I am searchable on the internet without using legal tools ; I am equally searchable on the internet via a variety of legal search tools. My address is known by the state, the counties of XXXX and XXXX, the courts therein, the state police, and state parole. The complainant simply didn't bother to verify my address ; there is no excuse. 

SUPERIOR COURT OF NEW JERSEY - XXXX The following was filed by XXXX XXXX XXXX on XX/XX/XXXX : Plaintiff Name CAVALRY SPV I , LLC Defendant Name : XXXX XXXX XXXX Case Caption : CAVALRY SPV I , LLC XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 2024-09-09
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: Resurgent Capital Services L.P. (TX)

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly, and they are violating my rights. I am entitled to {$1000.00} for every violation I listed. Delete these accounts ASAP or they would have to pay me.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AZ)

I am in the process of buying a house and a result of an unpaid amount was sent to collections for XXXX XXXX. I have always paid my bills on time and never received an invoice from XXXX, or a notice of an unpaid amount. I called XXXX and they gave me the name of the debt collector Sequium. I called and spoke to the representative and she could not locate a collection by my name, phone number or social security number.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, we're trying to reach American Express since XXXX to make a payment plan. We've been dealing with them for over 30 years and never had an issue. We had a net loss in our business over the last 2 years and were struggling to pay our bills. They closed down all of our American Express accounts and refused to make a payment plan. We got subpoenaed last Thursday for the amount of {$18000.00} and need to pay or attend in court within 15 days. We feel that this harassment is not justified and would appreciate your kind assistance and intervention.
Consumer complaint received 2024-10-23
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. (TX)

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 Account number XXXX 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 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and a car for kids and must be removed immediately.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/year> XXXX XXXX XXXX  requested funds from my Wells Fargo Checking account twice. Once in the amount of {$5700.00} and the second {$3800.00} for a XXXX XXXX XXXX. Wells Fargo ACH the money to XXXX XXXXXXXX XXXX  without verifying the transaction account had been approved by me, without notifying my via email of the posted transaction as has been the practice on all set ups of new accounts and all transactions. I notified Wells Fargo and XXXX XXXXXXXX XXXX XXXX withing 4 days of the transactions via phone calls as that is the only system they use. They will not accept emailed complaints or records of complaints. Neither bank did anything to explain or resolve my complaint. 

My inquiries and demands for the return of funds has been denied without any explanation. This appears to be Wells Fargo internal fraud.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My XXXX  was hacked and for nearly 3 months they have been withdrawing funds from my bank account without my knowledge. XXXX refuses to do anything about it and Wells Fargo declined my request
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (GA)

I was served with a civil action from XXXX XXXX XXXX XXXX in regard to a debt I owe Citibank. I responded in a prompt and timely manner on XX/XX/year>. I attempted to send a letter to them on XX/XX/year> as well. That letter was returned to me as saying the address was not valid, yet it was listed on all of the legal paperwork as their office in the state of Georgia, where I reside. I kept calling the courthouse because I received nothing in regard to the hearing. I finally was able to get in touch with XXXX XXXX to which they told me I missed my court hearing which was scheduled for XXXX XXXX, and if I was not informed, it was the fault of the courts. I went down to the courthouse and the clerk informed me that they didn't file anything, there was no court hearing set and they had no additional information to give me. I called back XXXX XXXX while I was at the clerk 's office and the representative woman on the phone was very evasive, and wouldn't give me any information as to the supposed court hearing. After multiple attempts, she confirmed that I missed this supposed court hearing. The court clerk, upon hearing that confirmed that there was no court date ever established, and no documents were ever subsequently filed. I asked if they wanted to speak with the clerk as I was at the courthouse and they said they were unable to do so. They say all of these calls are recorded so there will be a record of each of these interactions. I will be reporting their office to the XXXX  XXXX XXXX as well as the Georgia Attorney Generals Consumer Protection Division.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

I requested the following In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was given a call from what popped out as Wells Fargo 's customer support number and completely sounded and acted like it. The number I answered was the first one that ends in XXXX. They stated that they were looking for me by name and that they had noticed fraudulent activity for my debit card. I looked at my app and there was fraudulent activity. They then told me the last 4 digits of my card number and the expiration date. They then told me they were going to get me a new card and asked if the address they had on file was correct, which it was. They told me my new card would be shipped in the next few days. They then also " transferred '' me to an automated pin code changer over the phone, so I could change my pin, which is how they ended up getting the pin code. Over the next day or two, I logged into my app and noticed that {$6200.00} was taken out. I immediately called the number on the Wells Fargo website and tried to sort out with them. I told them what had happened, and they told me they would submit a claim for me. 
Ever since then, I have submitted two claims to Wells Fargo ( both have been denied ), one over the phone and the other in-person at a branch. On XX/XX/XXXX, I submitted a detailed bank statement where I circled everything I did not authorize and the police report ( reported on XX/XX/XXXX ) about the incident to Wells Fargo.
Consumer complaint received 2024-09-08
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)

I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 

I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now XXXX XXXX XXXX  advising the company XXXX XXXX is now going to garnish my check. I had a major XXXX XXXX & current student loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are two different balances.
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (NJ)

With all the fraud reports involving ZELLE, one of the easiest things should do is to allow users to delete a contact they no longer wish to send money to. 

If you have a one time transfer. That contact remains in your list of recipients forever ( at least with the XXXX XXXX  implementation ).
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

I contacted CashApp about fraudulent transactions that happened to one of my accounts. I let them know that I never received the card for the account and that someone had racked up about {$300.00} or more charges on my account. One day later, i received a message from CashApp stating that it found no transactions that looked suspicious. I even selected every transaction that was not a transaction authorized by me and they still rejected my claim. This caused me significant injury and as a result i couldn't make payments on my credit cards causing them to be closed without any notice for non sufficient funds.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (VA)

I do not recall applying to XXXX XXXX for any service, but it seems a hard inquiry is on my file. I have tried to contact the institution but have not received a proper response. I want to bring this concern here in the hope that it will be resolved. 

Institution Information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX note ; The Hard Inquiry happened in XXXX, 2024.
Consumer complaint received 2024-09-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

The following auto loan is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I was a victim of identity theft and have no knowledge of this The following creditor : Santander Consumer USA opened on XX/XX/scrub> XXXX XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc. (PA)

Collection account : KIKOFF LENDING LLC account # : XXXX Status : reporting as open amount : {$60.00} This account is incorrectly reporting that I have 5 late payments on my XXXX report and only reporting 1 late payment on my XXXX report being reported. This account is inaccurately reporting. 

According to the FCRA 602 15 USC 1681 I have the right to privacy. 604A prohibits furnishing an account without my written instructions.
Consumer complaint received 2022-11-08
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. (IL)

XXXX  XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My ex wife XXXX XXXX XXXX starting roughly in XXXX XXXX opened multiple accounts using my identity one was closed already with XXXX XXXX  and another was closed with XXXX XXXX XXXX shortly after I found out she and her husband both ( XXXX XXXX XXXX opened multiple credit cards and a retail shopping card in my name and had 16 hard inquiries put on my credit Ive done all I could to get them arrested for identity theft but heard nothing back. Now it seems I have three accounts still on my credit in collection from them and its totally ruined my life my integrity and dignity being Im on XXXX and live on fixed income I was injured from the work type i preformed all my life my credit was in route to becoming decent so Ive had two removed and need help dearly please with a XXXX XXXXXXXX account and a XXXX XXXX account and another called XXXX XXXX all totaling roughly XXXX thank you very much god bless.
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

There is an account on my credit report, I have never done business with this company and they are now attempting to collect an alleged {$570.00} I have no contract with this company please remove this item from my consumer report RASH CURTIS & ASSOCIATES