davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (ID)

Got a call about a debt 14 years old from an old overdrafted account that was from US bank and US bank has no record of it. This has been going on for a week or so now it is now XX/XX/XXXX, their first call threatened to call my HR at work. He tried saying that because the bank is FDIC insured that that circumvents the 7 year statute of limitations. Again US Bank has no record of any of this at all.
Consumer complaint received 2024-11-20
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. (IL)

To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. These inquiries appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs permissible purposes for accessing a consumer 's credit report. 

Upon reviewing my credit report, I have identified the following inquiries that I do not recognize and for which I did not provide consent : [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX  [ XX/XX/year> ] [ XXXX  XXXX XXXX ] [ XXXX ] According to the FCRA , a consumer reporting agency may only furnish a consumer report under specific circumstances, such as with the consumer 's authorization or in connection with a credit transaction initiated by the consumer. Since I have not initiated any such transactions with the companies listed above, nor did I authorize these inquiries, I am requesting their immediate removal from my credit report. 

Please conduct a thorough investigation into this matter and provide me with the following : Evidence that I authorized each of the hard inquiries listed above. 
A written statement detailing the nature of each inquiry and its permissible purpose under the FCRA. 
If you can not provide this information within 30 days as required by law, I expect these inquiries to be promptly removed from my credit report. 

Please consider this letter a formal complaint under Section 611 of the FCRA, which obligates credit reporting agencies to investigate disputes and correct any inaccuracies. Additionally, failure to comply with these legal requirements may result in further action to enforce my rights under the FCRA. 

I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a copy of my credit report to find the following account to be incorrect. I have explained the discrepancies of the accounts numbers
XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (GA)

For a few months in XXXX I struggled to pay my discover card. In XX/XX/XXXX, I enrolled in Discover 's payment plan to bring my account up-to-date. Since then, I have now brought account current. However, my card was suspended due to the missed payments in XXXX. 

I understand that it's important for organizations like Discover to have trustworthy clients. My personal hardships caused me to miss payments and tarnish my previously stellar relationship with the company. I'm asking for a second chance and have my card/account unsuspended so I may continue to develop my relationship with the company.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I have been a Wells Fargo customer with my 1st Mortgage and always pay on time with additional payments to principle each month. I owe {$180000.00} on a rental property in the XXXX market that i rent for {$2500.00} month. My credit was XXXX prior to my auto payment error. I wrote emails and letters to Wells Fargo board of directors explaining what happened with their website regarding my one late payment and they did not help me in any way. 
As a real estate investor and borrower with XXXX plus credit i am not satisfied with how they handled the situation. Clearly i make extra payments each month and always have $ XXXX-XXXX a month extra. My late payment was due to their website. They are not helping me and have impacted my credit score which impacts my business.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I've been having to file complaints with the XXXX XXXX XXXX for quite a while now could not figure out why my Equifax report was so messed up. I've never been able to sign in when I filed a complaint or want to contact them about status of investigations. They always say that my personal information is wrong well after all these years yesterday I found out that Not only was my birthday wrong they had me living at places I didn't live and I have numerous hard inquiries that dont have anything to do with my requesting authorising or renting anything. Equifax keeps telling me their information is correct and then I need to contact the credit companies that I disagree with. I keep being told to contact equifax. For example XXXX XXXX says when they ran my social security number they have no accounts for me and no inquiries but yet Equifax says I have them. They've been no help. But back to That I found out yesterday I have multiple files that are causing the hard inquiries and weird informations they requested I fax them my driver 's license, social security card, and other identifying information however I don't trust them anymore so I'm using your agency in hopes that they will not use my information improperly. They're misinformation has caused me not to be able to get a decent place to live now I'm living in a neighborhood that is very dangerous and drug-infested, isolated from family and people Ive known all my life because this is the only place I could get with their bad marks. Every time I filed a complaint they want to say that I'm wrong and I will re complain about it and keep complaining and eventually I've gotten some things removed overtime with many headaches and suffered the effects of there low rating of me.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a new credit card from capital one. I went to set up the online account so that I could see transactions often and pay the bill, however, their system would not let me set the account up. I kept getting capital one error messages saying there was a problem with their site and to try again later. I called them to fix the problem. They said that my SSN was attached to an old car loan that was paid off and because of that it was pulling my old username to use, but I couldn't use that username with a credit card since it was associated with a car loan. They told me they would fix it and it would take 72 hours to take affect online. Fast forward to XXXX, I had used the card several times for a rental car and gas purchases, and I knew the bill was likely coming due even though I had not received any statements via email or regular mail, so I went online to log onto my account to pay the bill and experienced the same issue as before with the error message. I then called capital one again. That was XX/XX/XXXX. They told me they'd look into it and call me when it was fixed. They also told me it looked like some fraudulent activity had been seen on my card. One purchase for {$1000.00} to XXXX XXXX. I never used the card at XXXX XXXX, so I confirmed that this was fraudulent activity. They then canceled the card and issued me a new one. Two weeks later, I still had not received a call about them fixing the online access to pay the bill, a statement in the mail, or the new card, so I called them again. I went through the same song and dance as my earlier XXXX call. I even got disconnected and no one called me back. I then called the next day. The same thing happened. I then called on XX/XX/XXXX infuriated because they were doing nothing to correct the situation and were not allowing me to see my statement to further investigate any fraud that we know indeed did happen. They told me they would escalate the situation higher and they call me when it wasn't fixed. The next day, today, I found out that my new card was not working. I called them to ask why. They said it's because my balance was five days past due. I lost it. I have been trying to lay this bill since the first week of XXXX, but they refuse to send me a statement or allow me online access to look at my statement. With fraudulent activity being on the account, I want to view the statement before anything gets paid. I feel that I have the right to see the statement. I believe that it may even be a federal law. Instead, capital one is stalling so that interest and fees build up first before they allow me to see the statement and pay the bill. This is downright wrong and unethical. Please do something!
Consumer complaint received 2018-05-25
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. (OH)

XXXX, XXXX, and XXXX are reporting on my credit report and Experian has investigated and told me to reach out the company reporting. I haven't heard back, violation of FDCPA/FCRA and I do not recognize the accounts. It's been past the 30 days allowable timeframe and experian is still reporting the accounts, which is in violation of FCRA. They also recently reported this account XXXX and I had no knowledge. This is unfair reporting and not accurate representation of my situation.
Consumer complaint received 2018-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

My insurance policy ended. I cancelled with the agent and did not renew it. The agent took it upon himself to extend the policy without my consent, now he want monies and is attempting to use a collection agency to collect funds for services that were not authorized or the renewal approved. The collection agency was given specific instructions to verify the debt by producing documents bearing my signature and approval along with other items and has refused to deliver. This in nothing more than " harassment '' and should be dealt with appropriately by your agency.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.
Consumer complaint received 2018-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (CA)

History of Complaint. 
In XXXX I opened a savings account with XXXX XXXX XXXX under a prgram with XXXX XXXX XXXX XXXX business program. The business program required a saving account to be opened and money deposited to it for a period of Ten Months. After ten months the dollar amount not exceeding {$2000.00} was used in connection with funds furnished by the XXXX XXXX XXXX to help open a business. The XXXX XXXX XXXX donated {$2.00} for each dollar saved not exceeding {$2000.00}. While in the program I was unable to start my business. I withdrew from the program and closed the saving account at XXXX XXXX XXXX. To close the savings account and withdraw funds I was required to provide an authorization letter from XXXX XXXX XXXX. In XXXX I obtained the authorization letter and withdrew and closed the savings account. From XXXX to XX/XX/XXXX I received letters from XXXX XXXX XXXX which I disregarded as I believed they were sent in error. In XX/XX/XXXX I opened one envelope and discovered the account was still open and contained {$200.00} and some dollars. 
I contaced XXXX XXXX XXXX to clarify if it was correct. I began depositing money into the account under the assumption that XXXX XXXX XXXX was no longer associated with the account. Between XX/XX/XXXX and XX/XX/XXXX I deposited over {$6000.00} into the savings account. In XX/XX/XXXX I began moving back to XXXX XXXX XXXX. 
As I became more established in XXXX XXXX I transfered and transported more property from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX XXXX to close my savings account. I was informed that the account could not be closed due to another party being listed on the account and authorization needed. I informed the bank that no other party was on the account. I remained at the bank for over 1 hour trying to resolve the issue. While waiting I informed the Branch Manager XXXX XXXX and an agent over the phone that I would be filing a complaint with the CFPB. After leaving the bank I was approached, detained, and arrested by XXXX XXXX Metropolitan Police Department for allegedly making Telephonic Threats. While in custody and before being transported to jail the charge of Telephonic threat was dropped as it was discovered that XXXX XXXX XXXX lied to Law enforcement. During my police encounter I had an issue with the police based on being approached and stopped. As a result of the lie and the police encounter I still was arrested and charged with misdemeanors. 

My complaint under CFPB jurisdiction is that XXXX XXXX XXXX violated a federal regulation of record keeping and managing my savings account. The account that was opened in XXXX with XXXX XXXX XXXX Program   should have been closed or disassociated with XXXX XXXX XXXX. As a result of XXXX XXXX XXXX error I now have to fight a criminal case.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

I found out about this account XX/XX/XXXX. I found waypoint resources based out of Texas has reported on my credit. I never received no documentation or letter regarding XXXX XXXX. I also have two collections collecting on the same debt credit collections in XXXX  also collecting. Which they was paid XXXX   for the balance. Waypoint resources refused to help resolve issue.

From XX/XX/XXXX- XX/XX/XXXX my apartment was damage to Hurricane Irma. I moved back in my apartment on XX/XX/XXXX.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently applied for a mortgage refinance with XXXX XXXX Loans. The credit score reported by Transunion to XXXX XXXX Loans was XXXX. The credit score reported by Equifax was XXXX. My credit scores reported by Transunion through XXXX XXXX was XXXX and XXXX by Equifax. I understand that fines were levied by your agency just last week for this practice of reporting XXXX different credit scores to lenders and consumers and I would like these companies to cease this practice immediately and provide an explanation as to their continued violation of this forbidden practice.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-20
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (IL)

My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it.