davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLIANT CREDIT UNION (MT)

I received a new account member packet in the mail From Alliant Credit Union. The letter stated that an account was opened in my name. I attempted to log in for the online banking to see what information was on the account. I answered the account security questions, that were obtained from my credit history, correctly. Then when setting username and password the site notified me that the username was " invalid ''. I then called the number provided by Alliant 's website. I verified my identity with the consultant and asked about the account. The consultant was very rude and even after verifying my identity, would not give me any information. I was then told that the " back office '' would contact me later that day, XXXX XX/XX/year>. I waited for the phone call to no avail. I then continued to contact a consultant, requesting information on the account. I was told every time that the " back office '' would call me. Finally, on XXXX XX/XX/year> I was notified by the consultant on the phone that the back office had determined that the account deposits did not originate from my account and that the account would be closed. I requested to talk to a supervisor and was connected with a XXXX. I informed XXXX that I wanted the account history, including when and how account was opened, the origination of the deposits, totaling {$1000.00}. The call was lost, and I attempted to call back but was told that XXXX was on the other line. I was transferred to XXXX 's voice mail. I left a message stating that I wanted a call back and my number to reach me at. I never received the call and have yet to receive any information on the account.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2024 XXXX XXXX attempted to charge me {$190.00} for services I thought were cancelled because of my dissatisfaction with their product. XXXX XXXX placed the charge on a previously cancelled credit card. The previously cancelled card was cancelled because of unauthorized charges over a year ago. Instead of Capital One notifying the merchant the card was no good and to contact me, Capital One just moved the charge to my new credit card. This has happened on too many occasions and I am tired of it. I reported this to Capital One and was told they would cancel my card and issue a new one. I needed my card for vacation next week and was told I needed to pay {$16.00} for expedited services.
Consumer complaint received 2024-08-10
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. (GA)

I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I want to cancel my Bank of America credit card before the annual renewal fee is charged. It is not possible to cancel the card from their online banking site or mobile app. I called the help number but was never able to get through to an associate to assist.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

On Saturday, XX/XX/XXXX, I sent {$1500.00} to the XXXX XXXX via MoneyGram ( Reference No. XXXX ) for home delivery on the same day. However, the money was not delivered. On XX/XX/XXXX, I contacted MoneyGram and spoke to a representative about the undelivered money. They informed me that they would open an investigation, but it could take up to 90 days to resolve. In the meantime, my parents in the XXXX XXXX are in need and don't have the money to buy their medications. This situation is unacceptable, and I'm unsure about what steps to take to either get my money back or have it delivered to my parents.
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

I signed up with XXXX in the XXXX  of 2023 - I was promised specific monthly rates and 'free ' phones. After several months, I inquired about the promised monthly rates and was told ( after a wild goose chase ) that there was nothing they could do. I asked if I was under contract and I was told that I was not, that I was free to move to another carrier. I moved to another carrier. Instead of the ~ {$100.00} bill to close out the final weeks of the account, I received a bill for ~ {$2600.00}. I spend months calling and negotiating with XXXX. They told me to return the phones and then they will remove those charges from the bill ( ~ {$2000.00} ), during this process I had also gotten {$400.00} ( of {$600.00} ) of the phone-trade-in revocation fees waived. I returned the phones and verified that XXXX received them. I paid the remaining bill ( minus the value of the phones ). I continued to contact XXXX to get them to correct the billing. They ultimately refused and turned me over to collections. 

I was lied to about the monthly rates when I signed up. 
I was lied to about the contractual obligations when I asked. 
I was lied to about being credited for the phones after returning them. 

I had to cancel my credit card to prevent them from stealing the money they still say I owe them.
Consumer complaint received 2023-04-11
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. (LA)

I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.
Consumer complaint received 2023-04-11
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: DISCOVER BANK (TX)

I notified the company I have not received any text messages, letters or emails concerning any delinquency. They sent info to the wrong place. This was confirmed on one of my calls to Discover. I received a 30 days past due hit on my credit. Had I received proper notice from Discover via these platforms there would not have been any delinquency as I travel. In addition I was blocked from electronic payment for a period due to opening a second Discover account. I could not log in as it required both credit card numbers. I did not receive my 2nd card with the required info. I called Discover, they would not tell me the card number. I had to wait to receive the 2nd card in order to access the system.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

i was not late on my payment. I set up the automatic payment with them as soon as I got the card. I did not see the payment come out. I called and they said the payment will come out soon. But they reported me late on XXXX XXXX that was 3 months after I go the card. I have another card with them for almost 3 years and I have always been on time. I need for them to remove that late payment from my credit report. It is having a big effect in my life. and me credit score dropped.
Consumer complaint received 2022-01-19
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: FC HoldCo LLC (PR)

XXXX XX/XX/2022. THREE ( XXXX ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX ) XXXX XXXX ( XXXX  ), ( XXXX ) XXXX XXXX XXXX, ( XXXX ) FLAGSHIP CREDIT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (FL)

United States Code Title 31 sec3on 3123 states that the US Government has an obligation to pay dollar for dollar principal and interest in legal tender ALL DEBTS accrued by the American people. I am an XXXX and Global Lending Service is trying to force me to pay for a debt that has been paid. In my credit report, they claim that I have a balance after they Repossessed the car and sold it. I had requested to show me proof that am still have to pay {$8600.00}. But they always claimed that the debt was going to remain in my report until I pay in full. But they never provide a full accounting report. My consumer report shows that I have a balance of {$8600.00} on a closed account. However, when it comes to report what it my monthly payment it shows {$0.00}. The claim is that my last payment was XX/XX/XXXX. The worst payment status they have not reported any information. How can they represent that my dispute was resolved when the reporting agencies have not been provided with the correct information? The account was closed on XX/XX/XXXX. But on XX/XX/XXXX they sent me a bill in the amount of {$480.00} due by XX/XX/XXXX.
Consumer complaint received 2024-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The company allowed me to make purchases far beyond on my credit limit which have drastically affected my credit score and credit worthiness. I thought my credit limit was more and wouldn't have intentionally spent over my limit if I was notified as I have plenty of other cards to use. No notice was sent to me to notify me that I was over my limit. I was using this card because I have a XXXX interest and was trying to take advantage of that. This has significantly affected my recent credit transactions.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (KS)

On XX/XX/year> I received an email notifying me that I had an application to open a Citi Bank Double Cash Card. On the same day, I received an email notifying me that I had an application to open an XXXX  XXXX XXXX XXXX XXXX. I did not attempt to open either of these cards. 

I have contacted both of these companies and notified them to not open, or shut down these accounts someone was trying to open in my name without my authorization. 

Due to this identify theft attempt, I now have a Hard Inquiry on my Credit Report through XXXX with Citi Cards/Citibank . 

I would like to dispute this hard inquiry as this was clearly not me and was part of an identity theft attempt.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

I have been trying to pay a debt of XXXX $ for about six months now originally the debt collector was Jefferson Capital but when I contacted them to pay the debt they had already sold off the debt to another collection agency and when I contacted them to pay the debt in full they said they could find my information in there system so I'm stuck at how to go about paying off this debt that is still affecting my credit I just want to pay it in full and have it removed from my credit report but I don't know who to call to even be able to pay it off so I'm asking for help in trying to find out which company I need to contact to be able to pay thus debt.
Consumer complaint received 2024-06-13
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: TRUIST FINANCIAL CORPORATION (GA)

HARD INQUIRIES SHOWING ON XXXX THAT NEED TO BE REMOVED : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> TRUIST XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK (LA)

Hancock Whitney Bank charged me with {$360.00} with over draft fees when I was only overdrawn {$79.00}. I have no problem paying the {$79.00} & they can close the account. I didn't want the overdraft protection but was told to leave it on there because I'm XXXX XXXX XXXX & I should leave it because of my medication. They just kept hitting me with overdraft fees for {$5.00} or {$9.00} charges. Also I did contact the bank & asked for someone to call me back & have never heard from them until this morning when I received a letter from them about the {$430.00} they want from me. 

I am XXXX live on XXXX XXXX
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-04
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. (NV)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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.

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my only address and current address 15 U.S.C 1681 5-2 ( a ) ( 1 ) states 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 2022-01-19
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: TRUIST FINANCIAL CORPORATION (PR)

XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX XXXX XXXX XXXX XXXX XXXXANK ), ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX My Loan was funded by XXXX XXXX Loan Stream with monthly payment of {$3900.00} P & I On XX/XX/XXXX, my loan was transferred to Shellpoint which I continued paying the same amt. No changes on my monthly payment. 
On XX/XX/XXXX, I received letter from Shellpoint that starting XX/XX/XXXX my payment will be {$4900.00}. the whole month of XXXX I have been calling Shellpoint on multiple occasions but no solution given to me by Shellpoint. 
XXXX came, my checking acct was debited {$4900.00} more than what I authorized monthly payment of {$3900.00}. 
I reached out to XXXX who originate my loan but without any solution given to me. 
Have I known that my monthly payment is this high, I will not make this loan to begin with.
Consumer complaint received 2024-06-21
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)

Transunion continues to report an account XXXX Account # XXXX on my consumer report but it is not accurate. I have no lawful obligation to pay this debt and reporting it is for profit. The debt collector is paying Transunion to report this information although they have no lawful way to prove it. I will give Transunion 7 days from the date of this complaint to remove this collection before I initiate a federal lawsuit.
Consumer complaint received 2024-08-04
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. (FL)

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Consumer complaint received 2022-01-19
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: TD BANK US HOLDING COMPANY (PR)

XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( 1 ) XXXX XXXX XXXX XXXX ), ( 2 ) TD AUTO FINACE, ( 3 ) XXXX XXXX I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (TX)

I questions as a duplicate report during the reporting in XXXX In XX/XX/XXXX I am showing that XXXX updated the account to reflect a past due that was XXXX they updated to XXXX past due. XXXX has not owned the loan since XXXX I would like to get this deleted from all agencies. This account is XXXX and closed and it has been 6 years since they have owned the account and the reporting has not been correct and the disputes are not corrected