davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XXXX XXXX, on XX/XX/XXXX, CITIBANK, NA/XXXX  and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (TN)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

Called me, while I was at work, XX/XX/24. After I didnt answer they proceeded to call my father. When I called today, XX/XX/24, she said if I didnt pay in full within a week or so ( which she told me a different amount than what my insurance and bills were saying ) she would be sending it for credit reporting.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

Ive been having a Chime account for a couple years now Ive never really had any problems with it until I lost my information and charges were made to my account which took a lot of money out of my account. I called Chime so that they can dispute these charges chime made the dispute for me and without any investigation they denied all of my disputes within XXXX minutes after getting off the phone with them, I called them back the next day and told them what happened and they made more disputes for me and then again they denied all of my disputes after only XXXX minutes! When I tried calling back again to talk to someone to explain to them that they did not give me fair investigation they did not help me. I do not know why they did not give me a fair investigation and I feel, discriminated against.
Consumer complaint received 2023-07-03
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX the servicer for my mortgage was changed to Newrez. In XX/XX/XXXX, the new servicer sent me mails requesting proof of all insurance again. I provided proof of all insurance requested ( Property Insurance, Master condo flood insurance, supplemental property flood insurance and master condo hazard insurance ) On XX/XX/XXXX I provided proof of insurance for Master Condo Hazard insurance for current term, and renewed term ( XX/XX/XXXX - XX/XX/XXXX and XXXX XX/XX/XXXX ). 

I received mail dated XX/XX/XXXX saying I had not provided proof of master condo hazard insurance for period XX/XX/XXXX to XX/XX/XXXX, so the lender has placed insurance on my property for that period and I will be charged for it. I called the customer service number for the mortgage servicer and, they acknowledged that I sent the proof of insurance as requested, and they will not charge me for the lender placed insurance. 

On XX/XX/XXXX, there is an Escrow disbursement of {$59.00} from my account ( Note : My loan account does not have an escrow, since I pay taxes and insurance myself ), which shows up as a negative escrow balance on my account. Also I have till date not received any invoice or explanation for what the {$59.00} charge is for. 

I called the servicer customer service on XX/XX/XXXX to get more information on the {$59.00} escrow disbursement and I was told the {$59.00} charge was for the lender placed hazard insurance for period XX/XX/XXXX to XX/XX/XXXX. When confronted that I had provided timely proof of insurance during that period, I was told the charge would be removed in 5-7 business days. 

Upon checking my account on XX/XX/XXXX, I see that the charge has still not been removed, so I called the servicer customer service again, and this time I am told that the {$59.00} charge was not for the lender placed hazard policy as stated by the customer service representative on XX/XX/XXXX, but it is for the lender placed flood insurance. 

I had provided proof of supplemental flood insurance on XX/XX/XXXX, which I had purchased after the servicer sent a mail saying that the master condo flood policy coverage was not adequate. This proof was provided to the servicer within time frame permitted in the mail. 

As earlier stated, I have till date not received any invoice or explanation for what the {$59.00} charge on XX/XX/XXXX was for. The servicer also does not appear to have a clear understanding of what he charge is for either, since thier customer service gives me different answers at different times.
Consumer complaint received 2024-01-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I bought An American Express Gift Card for my girlfriend to use for a back up plan as she is homeless currently. She was not able to eat due to devlined purchsed everywhere she tryed to use it, even swiping in-store. shw went hungry for 3 days as a result of ME TRUSTING AMERICAN EXPRESS XXXX XXXX  ADVERTISMENT SAYING THE CARD IS NOW EASIER THEN EVER TO USE AT MORE PLACES THAN EVER. THEY MUST NOT HAVE BEEN EXCEPTED ANYWHERE IN THE UNITED STATES AND ONLINE BEFORE THIS, BECAUSE NOTHING EXCEPTS IT> IT SOMTIMES SAYS CARD INVALID, CALL CUSTOMER SERVICE> AND THAT LEADS TO AN HOUR OF XXXX LISTENING TO SOME RUDE SNARKY WOMAN TALK DOWN AT ME TELLING ME THEY ARENT ACCEPTED ANYMORE ONLINE DUE TO SECURITY REASONS, BUT THEY KEEP ROBBING ME OF XXXX XXXX EACH TIME I TRY TO USE THE DAMNED THING> SCAM!!! SCAM!! THEY ARE NO BETTER THAN THE XXXX XXXX XXXX XXXX SCAMMERS FROM XXXX LYING, MANIPULATING STEALING MONEY FROM UNSUSPECTING PEOPLE. SHAME ON YOUR FLY BY NIGHT GARBAGE SCAM TANK OF SHARKS> YOU ARE ALL EVIL AND VERY UNAMERICAN>
Consumer complaint received 2024-01-30
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/, Chase Executive Office, XXXX XXXX XXXX XXXX XXXX, \OH XXXX, that the home ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX is no longer XXXX XXXX XXXX, and that XXXX XXXX XXXX Has no legal or financial obligation to the said residents after the XXXX was finalized in XXXXXXXX XXXX 
Copy of the Court Document for the State of Illinois in the Circuit Court of the XXXX XXXX XXXX XXXX XXXX of XXXX. In that I did sign the property over to my ex-wife and her current husband XXXX XXXX XXXX XXXX XXXXXXXX ). 
I have requested numerous times to Chase to remove me off the property and to have it removed off my credit report as being transferred to them, per court order. 
Chase has no authority to overturn a court order that the property is no longer XXXX XXXX XXXX. 
Chase has refused it, and it is not being reported properly on my credit report, that should say it was sold to the above names and shown that it is sold. 
This is stopping me from buy a home to move on with my life.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (IL)

While trying to obtain my first auto loan I was told by the dealership there was an auto loan closed on my account and sent to collections. The name of the loan company is EXETER FINANCE LLC Highest balance being {$14000.00}. I have no knowledge of this account and I've never opened an auto loan. This is causing me to not be able to obtain financing on a vehicle. It was also sent to a collection company XXXX XXXX XXXX Highest balance being {$5000.00}. This is inaccurate information please remove from my credit report. 

EXETER FINANCE LLC {$14000.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (VA)

The Lendmark Company has been calling me every day and weekends. Im with XXXX and the had talked to Lendmark but they tell me that they can get in touch with XXXX. I called XXXX today and they said that they been in contact.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo banks active cash card reversed my balance transfer in XX/XX/XXXX for {$12000.00} after I had complained in XX/XX/XXXX that they hit my credit XXXX points during the balance transfer from XXXX XXXX account to a personal account. During my research of finding a good balance transfer card, No one in their department mentioned that this will be personal credit card and the balance is on an LLC card hence, it hit my credit XXXX points. They were asked to reverse my credit balance right away to XXXX back in XXXX, XXXX XXXX, after my complaint of this incident and pleaded them to reverse the balance right away they never approved it. However, I reopened the case for some justice, and asked to be spoken to managers, executives to reverse it but no one got in touch with me for months. I figured when they finally did call me, c In XXXX, 5 months later in and said theyre working on a resolution I thought they would come back with one but not having to do with reversal of balance this late!!!. However after 6 months after had rebuilt my credit XXXX points, one night they up and reversed my balance of {$12000.00} back into XXXX account without talking to me or asking me if thats what I still wanted. 
Now that balance is back to 20 % interest on my XXXX my credit isnt good enough for another interest free card since its XXXX and not XXXX, and Im not happy at all the reversal this late without my consent. all of it in an XXXX card when I had paid off {$1000.00} of it. In XXXX they asked if they wanted me to move forward with a resolution but I didnt know they can go into my account and apply the charges. XXXX now paying 20 % interest on that balance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PREFERRED CREDIT INC (CA)

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (TX)

Destiny card services and indigo card services are violating 15 U.S code 1666b and reporting information that is not considered lawful credit transactions history and is causing damage to the estate and credit worthiness
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

On XX/XX/XXXX, my net spend all access card was locked and an unauthorized transaction of XXXX including bank fees, was taken off my card the transaction was done in XXXX XXXX California I do not know anyone there I live in North Carolina all my transaction are from north Carolina I do not know how these people got my card information when I have my card or how they were able to go to an atm in XXXX XXXX at a XXXX XXXX without my card, this has caused great hardship on me financial. NetSpend said I had to wait 10 days for an investigation and I could ask for provisional credit when I looked on the XXXX XXXX site there were so many complaints like mine over XXXX this really worries me, it seems these people did not get their money back. they gave excuses, they told me to write them for provisional credit I have heard nothing on that, I really need my funds back as they were fraudulently taken unauthorized, can you please assist me in this matter Sincerly Thank you XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MA)

Both my SoFi and XXXXXXXX XXXX accounts have been hacked. XXXX transactions named SoFi Bank transfer have been made from my XXXX savings account and moved over to my SoFi checking account unauthorized. The totals were {$700.00}, {$750.00}, and {$670.00}. When the transactions were placed in my SoFi account, three transactions were then made from my SoFi account to a XXXX XXXX. This was also unauthorized. Another transaction was made from my SoFi account to XXXX XXXX totaling {$790.00}. This was unauthorized as well. I filed dispute claims with both SoFi and XXXX stating what had happened. SoFi has closed the dispute claim and put a restriction on my account. XXXX approved my claim and reversed the transactions made and sent the {$670.00}, {$750.00}, and {$700.00} back to my XXXX account. Now my SoFi account balance is- {$2100.00} due to the reversals. I am stuck paying this to the bank when this total was taken from me in the first place. Also waiting for my dispute for the {$790.00} charge to be approved.
Consumer complaint received 2024-05-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (TX)

Company name : Exeter Finance Corp Company Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Exeter Finance Corp is trying to communicate with me through my consumer reports which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-11-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (CA)

I am writing to follow up on my previous communication via CFPB regarding an unauthorized inquiry that is still appearing on my credit report. Despite your mention of an internal process for handling such matters, I am deeply concerned that this inquiry was granted without obtaining my explicit consent, thereby violating my rights as a consumer. 

XXXX - XX/XX/2022
Consumer complaint received 2023-11-16
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MD)

I notified CFPB back in XX/XX/year> that Citibank refused to allow consumers to close their credit card accounts or negotiate at settlement. It initiated a deceptive and discriminatory practice of refusing XXXXXXXX XXXX  XXXX descent a hardship program, temporarily reducing or eliminating interest charges, or negotiating debt management. Citibank set up roadblocks which included but were not limited to blocking consumers from reaching a customer service representative or a department to help with this issue therefore I notified CFPB and requested an investigation. According to Citibank, I needed to contact them through a special number. On XX/XX/year>, I contacted Citibank through their preferred number and sent a letter via electronic and regular mail requesting account closure and a payment plan. Citibank has refused to acknowledge the request and continues to charge late fees and additional interest with the intent to force consumers to miss payment altogether to ruin credit scores with late payment. I am requesting the CFPB investigate enacting or enforcing laws that protect consumers from this discriminatory practice targeting XXXX XXXX XXXXXXXX descent.