davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (CA)

The below inquiries are fraudulent inquiries. Please remove and or delete. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXXXXXX XXXX XXXX XXXX According to the FCRA 15 USC 1681b it is illegal to report late payments
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX, I had a beginning balance of {$18.00}. There were XXXX debits of {$15.00} and {$65.00} and a deposit of {$120.00} processed that day. The bank processed the debits before the deposit and charged me a {$38.00} overdraft fee on XXXX. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post debits throughout the day no matter what time of the day so if a debit comes in during the day before a deposit comes in that same day, the fee is valid. But he then credited the fee. On XXXX, I had a beginning balance of {$35.00} and a pending transaction of {$10.00}. There was a debit of {$25.00} on XXXX. On XXXX, the bank charged me another {$38.00}. When I called customer service on XXXX, the phone rep told me that it is the bank 's practice to post transactions against the available balance, not the actual posted balance in the account so when the {$25.00} transaction presented, the bank did n't subtract {$25.00} from the balance of {$35.00}, they posted it against the available balance of {$24.00} because of the pending transaction of {$10.00}. I asked for a supervisor who confirmed it is the bank 's practice to post debits before credits on the same day if the debit presents at an hour during the day before the credit presents and that the bank does pay from the available balance even though a pending transaction may never post to the account. I told him that it was n't fair to do that because a customer has no idea what time of day during the day that debit is going to present to the account and a pending transaction may never post. He told me the fee was valid and that 's the way the bank does business.
Consumer complaint received 2022-06-21
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. (VA)

I have tried two different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NH)

Our homeowner 's insurance has not received their payment and it is overdue. Our mortgage servicer has not provided proof of cashed check. To avoid cancellation of our insurance we went ahead and paid our insurance. Insurance and taxes are escrowed so this should n't have happened.
Consumer complaint received 2022-06-21
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: CITIBANK, N.A. (FL)

I paid my balance fully in XXXX of XXXX but the credit card now notifies me that I owe over {$200.00} and they keep adding late fee to this account. as I have informed them many times that I owe them nothing.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NV)

I purchased a property with a note serviced by LoanCare Account Servicing. I made the first mortgage payment in XXXX. In XXXX I saw that they had taken multiple payments out of my bank account. Phoned them and spoke with XXXX XXXX at XXXX XXXX XXXX ext XXXX and she said it was a mistake, possibly a software glitch. XXXX XXXX promised me that the extra {$10000.00} would be returned and that she would call me no later than yesterday. Now she wo n't return my calls or my money.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (LA)

XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

The company has been double charging interest/fees against the XXXX XXXX XXXX I have with the company. This has been occurring for over a year. The statement clearly layout the overcharges and the company accepts not responsibility. It's gotten so bad that the current balance had a negative amount.
Consumer complaint received 2022-06-22
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. (FL)

Equifax XXXX XXXX XXXX, GA XXXX PRE-LITIGATION//PRE-ARBITRATION NOTICE I XXXX XXXX/Federally Protected Consumer to Consumer Reporting Agency . None of your company policies and procedures TRUMP FEDERAL LAW PERIOD. IT IS NOT XXXX XXXX JOB TO DO THE EQUIFAX JOB AT ALL. STOP LYING TO CONSUMERS BY SAYING THEY ARE SUPPOSED TO CONTACT EACH CREDITOR TO WHO YOU GAVE ACCESS TO CONSUMER REPORTS. I am a natural person who is at all times relevant, instead, Your agency has continued to ignore and refuse my written request for a proper investigation into EACH soft and hard inquiry you have allowed without my written consent. I have expressed to Equifax my concerns of identity theft due to the non-permissible inquiries your company has allowed to be placed on my Consumer Report. Equifax 's help in unauthorized conduct has resulted in significant harm to me. These hard inquiries are in fact negatively impacting my credit score on a daily. Equifax 's conduct has caused me XXXX  distress, and mental anguish and I fear identity theft. I am desperately trying to protect my privacy and enforce my rights. Equifax 's systematic practice of selling, and sharing my consumer reports for monetary gain without permissible purpose prescribed by the FCRA constitutes a willful and malicious violations of 15 usc 1681b/f. I am seeking actual damages, statutory damages, and punitive damages from EQUIFAX for this matter immediately. I tried to resolve this matter privately with EQUIFAX. 15 USC 1681 : Congressional findings and statement of purpose a/b/c 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 USC 1681r : -Unauthorized disclosures by officers or employees 15 USC 1681o : -Civil liability for negligent noncompliance 15 USC 1681q : -Obtaining information under false pretenses
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporter Act, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2017-02-04
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (RI)

LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Social Finance, Inc. (AZ)

So when I got my statement in the mail I seen a bunch of charges from XXXX XXXX I dont use XXXX XXXX  nor do I have one I tryed to dispute the charger the denied it
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

On or around XXXX XXXX of this year, i wanted to get an increase in my credit limit with my XXXX XXXX credit card issued by Citi. I applied online to get an increase in credit line. They emailed me back asking me to call a particular number. When i called the number the representative said she needed to run credit to see if i qualify for an increase in line. I told the rep that i only want an increase in the line WITHOUT running my credit as i did not want to impact my credit report and XXXX score. I explicitly said NO to running hard credit over the phone. But they ran it anyway and it showed up on my credit report and impacted my XXXX score. I tried to get in touch with the company to rectify the issue and also asked them how they could run my credit without my authorization. I have a chat session saved that i had with XXXX of the company 's reps XXXX XXXX XXXX who admitted it was a FCRA violation and that she had forwarded to the concerned department and that i will get a call back. I had to call them to get a call back and when i spoke to the person that called me, they said everything was ok and there was no issue on their end. I asked them to pull the call and listen to it as i had explicitly said not to run a hard credit. I also said how XXXX had agreed it was a violation. I asked if they had a record of my authorization, and he said i would need to a subpoena to get that information. This is ridiculous and completely unprofessional and unethical.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

I had an account with XXXX from XX/XX/XXXX to XX/XX/XXXX. I sold my house and called them to inform them I was cancelling service. They informed me I was no longer under a service contract and it would not be a problem. I thought the matter was over but I recently checked my credit report and discovered they were reporting a balance in the amount of {$900.00}. I called FIRST NATIONAL COLLECT and they informed me they did not have any details with the account. I then called XXXX and they said it was due to early termination. ( I had this account for more than XXXX years ) Then, they said they never received equipment that needed to be returned. I talked to a supervisor that said he would adjust the balance to {$220.00}. I called today and the balance is {$900.00}. I spoke to several reps with XXXX and nobody can give me any answers. I need help in this matter because I paid the account as agreed.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I AM MAKING A COMPLAINT WITH MIDLAND CREDIT MANAGEMENT REGARDING AN ACCOUNT THAT THEY PURCHASED FROM XXXX XXXX. I HAVE TRYING CONTACT THE COMPANY ABOUT THIS DEBT BUT GETTING NO RESPONSE. THIS REMAIN ON MY CREDIT REPORT AND IT AFFECT ME. I WANT TO STATE FIRST I NEVER GIVEN MIDLAND CREDIT MANAGEMENT ANY PERMISSION TO USE ANY OF IDENTIFYING INFORMATION TO CONTACT ME ABOUT THIS DEBT. AS OF TODAY, I STILL DONT HAVE NO VERFIED OF THIS DEBT. SO, I WOULD LIKE THEM TO REMOVE THIS ACCOUNT OF MY CREDIT REPORT BECAUSE IT REALLY STOP ME AND STRESS ME OUT.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NY)

Immediately upon viewing my Janauary 2016 Chase Freedom Credit Card statement around XXXX XXXX, I called the credit card customer service concerning an unrecognized account activity of {$1200.00} dated XX/XX/XXXX16- Agent Fee Travel Service. When I spoke with the representative, he asked me if I purchased an airline ticket on that day, I checked my records and saw that I purchased a ticket to XXXX CO for {$360.00} with " XXXX '', However, there was an overchange of {$840.00}. The rep. told me that they can not assist me because I had given the merchant authorization to charge my credit card and it did not matter the amount. He said I had to take it up with the merchant. I followed his instructions which was unsuccessfull even through they admitted that they made a mistake by overcharging me {$840.00}. On XXXX/XXXX/16 after speaking with someone who had a similar experience and whose credit card company assisted them, I decided to call them back immediately. The representative told me that the time had passed for me to file a complaint and there is nothing that they could do. I am highly upset because if I was given the correct information when I first called in XXXX I would not be going through the frustration and headaches that I 'm going through to this day. I asked to speak with a supervisor on that day and explained my frustration, she advised me to write a letter explaining what happened, including the dates, individuals and copies of all correspondents with the merchant and the fact that a supervisor of the merchant company admitted that they over charged my card. Again I followed their instruction. On XXXX XXXX I received a reply from the credit card company stating that the charge remains valid due to the significant amount of time that has passed, and the merchant unwillingness to honor their request.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I filed a dispute with Equifax and my results are dated XX/XX/2016, they deleted the address of : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I explained that this address does not belong to me, I have no knowledge of this address. Equifax has re-inserted it back on my credit report, after they sent me correspondence that it was deleted. I demand that this be looked into immediately as it is a violation of FCRA. Thank you for your investigation into this matter.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (DC)

First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.