davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I had a previous loan of XXXX on XX/XX/2022 from XXXX XXXX XXXX XXXX due to unforeseen circumstances, was not settled within the designated timeline. However, i have recently settled the entire outstanding amount with the firm and have obtaines a No objection certificate ( NOC ) as a proof of settlement Regrattably, despite the settlement and the issauance of XXXX my XXXX report continews to reflect a wilful default status which is significantly impacting my finincial endeavors perticularly my recent application for loan from a reputed Bank
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (PA)

This Discover card was open in XX/XX/XXXX I did not authorize and account to be open with Discover nor did I have knowledge that I had an opened account with this bank until I began receiving phone calls of Discover team members in XX/XX/XXXX saying how much I owe and asking when I could make a payment. I was furious to realize I have been taken advantage of and I have been put in debt. I finally checked my credit report to see there was a Discover card listed. Scared and confused on what to do until I finally ran into someone who told me to file an FTC report and a CFPB report. Along with these 2 things I have also wrote out and mailed a letter to XXXX I am just a XXXX XXXX XXXX man trying to figure out life as the days go I paid all my XXXX  loans off I am not the type of person to be in debt but here I am being taken advantage of by only God knows who. I hope this reaches someone who cares for innocent people & will put an end to all of this stress.
Consumer complaint received 2018-07-10
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: Upgrade, Inc. (CA)

I went on XXXX XXXX to seek for a personal loan and was matched with Upgrade. 

I was offered and loan and selected it to see my rate, I noticed a credit inquiry was pulled when it said it would not pull a credit report. 

Forceablily after pulling my credit I called Upgrade, I was encouraged to provide over documents to approve my loan since I had come this far. 

Even after providing the documents they denied me for reasons out of my control and was given a hard inquiry on my report when I was never supposed to get one.
Consumer complaint received 2023-08-30
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)

1 ) On XX/XX/2023, I mailed XXXX to close the account clean. I dont have any knowledge about credit card system at that time. I was intended to keep my account clean rather than with balance due but turned out to be account closure request. They eventually closed my credit card account and that resulted in loosing significant score. Then I researched about the credit card scoring system and found out that my credit card account should never gets closed. Hence, I requested XXXX to re-open it on XX/XX/2023 but they denied in doing that by saying their company is being closed. I raised several complaints with trans union and XXXX regarding it but couldnt able to get resolved. Neither Transunion is able to make changes nor XXXX is re-opening the account. 

2 ) I requested XXXX to issue me a credit card in XX/XX/2023 but couldnt able to accept their terms and conditions. They fraudulently opened an account and then closed it. In the filed dispute they found it to be true but they didnt change anything about it. I want to get it removed from my report since I didnt accept their terms and they are not supposed to open and close.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (NE)

The overdraft fees associated with my account are way below what was stated by thousands of dollars as of today. One week ago, First National Bank of Omaha stated I owed thousands more than today. Nothing has changed. Why is there thousands of dollars ' of discrepancies? This is felony fraud and identity theft.
Consumer complaint received 2023-08-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

American Bank will not stop sending me credit card offers. I've called multiple times and they continue to harass me with multiple offers every day. When I called to cancel they said they wanted my social security number and bank details. Very suspicious.
Consumer complaint received 2023-12-08
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: LEXISNEXIS (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and has done nothing. I can no longer be verified by using my very own social security number, name, and XXXX due to this. 

XXXX. XXXXXXXX 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 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

On XX/XX/year>, Credit Control Corporation was mailed a Debt Validation Request in order to receive both validation and verification of the alleged debt owed to them. This document was accepted by them on an estimated date of XXXX, as XXXX return receipt has not been received by sender. 
Their response envelope was received on XX/XX/year> and contained nothing more than statements printed on their letterhead containing my name, account number at the medical office listed, and total amount for the invoice from said account. There was no proof of purchase or assignment of debt. 
On XX/XX/year>, Credit Control Corporation was mailed a second Debt Validation Request in order to receive both validation and verification of the alleged debt owed to them. This document was accepted on XX/XX/year>. 
Credit Control Corporation did not respond further. 
On XX/XX/year>, Credit Control Corporation was mailed a Notice of Default and Final Statement as they have not met the legal definition of validation and verification of the alleged debt owed to them. They are not expected to respond, as they have not responded to the most recent request.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (WA)

I called PHH mortgage on XX/XX/XXXX to ask about why our PMI hasn't been taken off our mortgage payments since we've had the loan for over XXXX  years and were originally told that PMI will be removed once we hit XXXX  years on the loan. They explained we would meet the threshold to remove PMI in XX/XX/XXXX so I asked how much money we owe to meet that threshold. I was told we need to submit {$5300.00} for the PMI to be removed. I called back on XX/XX/XXXX and approved a {$5500.00} payment to our principal and requested that the staff member submit our request to remove PMI. She explained she submitted the request and I would receive a letter in the mail with details about the PMI removal within XXXX days. I never received a letter so I called back on XX/XX/XXXX and was told by both staff members who I spoke to on the phone that they never sent a letter in XX/XX/XXXX. The escalation manager I spoke to continued to lie to me that there were no notes or calls in my file from XXXX or XXXX. I then told him the exact dates and times of the calls since I take detailed notes and have call logs and emails with all the information from those calls. He then told me he found a note from those calls and that he apologizes that they didn't send me the letter. This is already very concerning since they purposely did not send the letter they were required to to remove our PMI. He then said I need to pay about {$200.00} to get an appraisal on the house to get rid of PMI. That is inaccurate based on previous information I had received in writing from PHH and my previous loan company ( before PHH took over our loan ). This company is clearly trying to scam me out of my money by saying they require an appraisal when that's not true, as well as not submitting or sending appropriate necessary paperwork to remove our PMI. They happily took our money but did not do their part of the agreement to remove the PMI.
Consumer complaint received 2024-06-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (MO)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2023-12-04
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: Prosper Marketplace, Inc. (AZ)

Ive had a credit card with Prosper for about two months. So far, Ive had no missed payments, I pay my bills early and never carry a balance, and there have been no issues with my account. Out of nowhere, Prosper sent me an email that they decreased my credit limit in half from {$1000.00} to {$500.00} with no reason. This has been a terrible experience so far, as I only agreed to apply for this card ( connecting my bank account and affecting my credit score with a hard inquiry ) due to the limit I was promised. I need my original credit limit to be reinstated on this card or an explanation of a direct path to increasing it back to {$1000.00} right away.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Monterey Financial Services LLC (MS)

Today XX/XX/2024 I noticed Monterey Financial Services transferred {$89.00} from our joint checking account. I did not authorize or consent to this transfer and neither did my husband. According to XXXX Monterey Financial Services took over an account I have in XXXX. I only recently learned of them because they showed up on my credit report and I filed a dispute which came back valid. I have never contacted them and they have not contacted me. I have reported this issue to my bank. They have started the dispute process and provided me with a claim number. I also contacted the Attorney General 's office. I will next be filing a complaint with the XXXX XXXX XXXX. I am appalled that debt collection agencies can find personal banking information and other information.
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (OH)

I don't have a loan with this company, they do not have authorization from me for an ACH debit. They have my information somehow and debited my account XX/XX/23, I called and was told due to technical error over the weekend my checking account was debited. I was told the money would be refunded in 3 to 5days, I also discussed possible overdraft fees due to their unauthorized debit and was told they would be in contact with my bank and cover all costs. There was follow up phone calls and emails. As of XX/XX/23 my account has nt been credited the original ACH debit of {$340.00} nor the overdraft fees of {$100.00} also due to their unauthorized and illegal debit of my checking account.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion refuses to allow me to access my credit freeze/unfreeze technology on their website and simply states for weeks now : Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX. - XXXX XXXX and Saturday - Sunday XXXX XXXX - XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have successfully opened an eligible account, signed up for the promotion offered by the bank, deposited and maintained $ XXXX, successfully meeting the requirements of the promotion for receiving {$3000.00} in reward. However, I did not receive the full amount of eligible bonus to my account and have not received resolution on escalation requests I made. Moreover, I did not get timely responses from my bankers after reaching out to them during the promotion period to ensure that I met all the requirements and to check on the progress of the qualification.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: LOBEL FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/ Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue.

Please be so kind as to fonvard me documentation that you've had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report. then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I signed up for the XXXX XXXX XXXX XXXXXXXX credit card with Comenity Bank on XXXX. On XX/XX/XXXX I added my XXXX XXXX  XXXX checking account information to the Payboo credit card with Comenity Bank. 

I didn't buy anything for over a year and then I made a ~ {$3000.00} purchase from XXXX XXXX  XXXX. I received bill notifications from Comenity but assumed that the bill would be paid when it came due. In the bill statement there was never a suggestion that I was or was not signed up for automatic payment or that I could be. When I received an email notification from Comenity that my bill was overdue I immediately called and gave them my bank information to pay the bill. They waived the {$30.00} fee but refused to waive the $ XXXX finance charge ( on XX/XX/XXXX they added a {$2.00} minimum interest charge ). The agent helped me write a note explaining the situation to " someone '' at Comenity who might be able to help but I never heard back. 

When I spoke to a supervisor on XX/XX/XXXX she said that they had posted a response on my Comenity account ( why I would ever go there seems not to have been a question for them because they never sent me an email message telling me I had a message in my Comenity account ). I read the message today and the reason they gave for refusing to waive the finance charge was : " We are unable to remove finance charges because they are accurate. '' The supervisor also made it clear that even if I had signed up for automatic payment if I hadn't made a purchase within about 6 months of signing up the automatic payment provision would have lapsed. In other words, damned if I do and damned if I don't. 

I suggested to the supervisor that they could waive the payment but she said that was impossible. I suggested that they could credit my account with that amount but she said that was impossible. I also told her that I'm XXXX years old and things slipped my mind sometimes and she said " we're all getting older ''. I told her I would be contacting CFPB and she didn't seem to care. 

Is my complaint justifiable? Since this complaint will be going to Comenity I want to add : Justifiable or not this is not customer " service ''.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (FL)

I applied for the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I unfroze my credit reports the day prior. I received notification from my credit monitoring service that a hard pull occurred on my XXXX account. Instead of receiving a denial or approval in my application from XXXX, I was told to look for a letter. The letter arrived on XX/XX/year> stating that my application couldn't be processed because my credit reports are frozen. This isn't true. I called and XXXX from XXXX asked to run it. She said don't worry there wouldn't be XXXX pulls. She ran it again and I received another notice of a second pull on my XXXX report. XXXX also said they couldn't see my report because it's still frozen. It is NOT frozen. I was forwarded to security, who put me on hold and then hung up on me. I called back and someone said maybe my XXXX isn't unfrozen and they didn't know what else to do. This doesn't make any sense and I can't go around in circles about it, but now I have XXXX inquiries I don't deserve on my XXXX and I don't have the card.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NY)

First I dealt over the course of nearly 1 year with XXXX + 2 other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.