davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

Equifax Security Breach XXXX. Fraud Alert placed in XXXX due to my information being stolen & used. I have worked for 4 years rebuilding my finances, and correcting all the issues this breach caused. I have repeatedly tried to remove the Fraud Alert, when it was pointed out by many Banks, Business 's, this was causing my efforts in rebuilding, to be stopped. Equifax has denied every Bank & Bossiness an actual updated report and current credit score. As of early XXXX, they stopped, all updating and have left my report and score, where it was in XXXX Credit Score XXXX I have fought to get this corrected & Alert removed. But they will not update my Credit Score, from its status in XXXX to XX/XX/XXXX The Alert is removed now, but Equifax is now refusing to finish the process, by actually updating my Credit Score to what it is. It is stopping us from purchasing a home, as we are told " the scores from XXXX & never been updated " .and a Mortgage Company will not accept our explanation, as to why. 
XXXX  is current in every way .... 
The only Equifax CS Person named XXXX and the 2nd person XXXX, have said is " your accounts are all in Good Standing. " I am very well aware of that. Then she gave me this " Confirmation number XXXX " Now, I am being bombarded with Equifax Sales Tactics to purchase their items. But all I want is a correted updated accurate file and current score..
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

On XX/XX/XXXX I gave a security deposit for XXXX $ money order which I have attached. The apartment complex was XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Texas. This was my deposit that they asked for. After a year I decided to leave because it was too expensive. I gave my 60 day notice. Around XX/XX/XXXX I received a call from collections about a XXXX XXXX  and I didnt know what they were talking about. I told them that I gave the apartment complex XXXX $ and I was still waiting for them to adjust my move out fees. Also attached is the email I sent them with the copy of the money order. I decided to call XXXX  XXXX  because I never heard back from XXXX  XXXX. XXXX XXXX representative told me that someone must have all my information like my identification card and social. They told me since I was renting the apartment the agreement should have gone to me because Im the renter and I needed to be informed of the terms and conditions. They sent me a copy of the agreement and thats when I noticed that it was sent to the apartment complex email. I attached the agreement that shows the email address for XXXX  XXXX. This is when I determined that someone from XXXX  XXXX fraudulently used my information to purchase a surety bond. I already gave them a XXXX $ deposit. I had no reason to purchase a XXXX $ surety bond for the apartment. I reached out to them and they never responded. I reported them to XXXX  and they responded back negatively and didnt even answer my question about the XXXX XXXX agreement that they fraudulently obtained. I filed a police report and identity theft report because they used my information without my consent and they signed an agreement without my permission. They didnt inform me about the XXXX XXXX agreement. I reported the apartment complex to the Texas attorney general and Federal trade commission. Theyre business practices are not legal. They had a duty to inform me about the XXXX XXXX  agreement so I could make my own decision but they didnt. Thats unlawful to sign my name to any contracts. I trusted them with my personal information.
Consumer complaint received 2022-12-08
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3700.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-11
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 keep trying to get my credit report updated since XXXX from XXXX and Equifax.XXXX  keeps sending documents to Equifax saying that the inquiries are factual when they are not.XXXX  keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to Equifax showing that the credit inquiries from XXXX is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Consumer complaint received 2023-09-11
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

Dispute reference : XXXX I opened Citi savings account via the Miles Ahead Savings Program where a lump sum miles bonus is awarded to your XXXX XXXX account and a 25 % bonus miles for charges on a credit card I had under the same account after maintaining your balance of funds in the savings account for 90 days. I opened my account in the beginning of XX/XX/2023. I have received no lump sum bonus nor spending bonus after having satisfied all the requirements, and as of today we are 173 days after opening the account. I have attempted calling Citi nearly a dozen times to confirm my account status was correct and that my bonus would be paid out properly. It is now XXXX, and I have received nothing. 

Citi has had the benefit of a meaningful amount of my savings for 173 days, while I was expecting to earn the lump sum award, and spending bonus and have received neither. This is a sad example of the banking system that so many have come to resent. Citi 's failure to uphold the simple and basic end of an offer they extended to their customer base is shameful. Making the situation worse has been their grossly incompetent handling of any resolution. I have wasted multiple hours and calls to seek fair resolution. 

I have filed a Citi dispute number : XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (CA)

I enrolled in American Express car rental protection insurance on XX/XX/2023. I told the Sale Representative/ Customer Service what I needed and my situation. The Sale Representative/Customer Service told me to use my American Express credit card at the rental agency XXXX  and said " Something like a Pre Authorization will activates the insurance ''. The rental car had an accident on XX/XX/2023. I filed the claim on XX/XX/2023. 

However, on XX/XX/2023 denied my claim as the following reason : " Our records indicate that an enrolled American Express card was not used to pay the rental fee for the Rental Car. Therefore, the above referenced activation requirement was not met.An authorization of {$100.00} was held and refunded therefore was not charged as a portion of the rental fee to the eligible card. XXXX XXXX XXXX was charged in full for the rental of {$320.00} per the Closed Rental Agreement ". 

From my perspective, American express Sale Representative knowingly Misled me and/or misinterpreted/Did not classify the insurance terms when I enrolled the insurance in the first place. Otherwise, I will purchase XXXXXXXX XXXX XXXX to cover the rental car.
Consumer complaint received 2023-09-11
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. (VA)

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 2024-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (VA)

Already making payments toward medical bill. XXXX keeps calling and leaving messages. 

On XX/XX/2024 at XXXX, she called my cell phone and left a message. Less than XXXX minutes later, my coworker hands me the phone saying someone is asking for me, it was XXXX. She acknowledged I am making payments and on a payment plan. 

Today, XX/XX/2024 less than a week later, she called me again and left another message at XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as police reports FTC reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to cardinal after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GEORGETOWN MORTGAGE, INC. (TX)

Back in XX/XX/XXXX, we started the planning process of building our dream home. as the process got on the way after closing XX/XX/XXXX, we started noticing that the builder was not doing what they advertised and we were informing the lender and they were just allowing the builder to continue to collect money but no work was being done on a consistent basis. after countless back and forth emails, XXXX way calls, face to face meetings, we ended up terminating the Builder XX/XX/XXXX. The lender almost allowed us to go into default and showed no real vested interest in what we ere concerned about.
Consumer complaint received 2023-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my credit report I noticed an unauthorized inquiry from XXXX XXXX of XXXX on XXXX. I never gave this company written or verbal permission to access my credit.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: New Mexico Educational Assistance Foundation (NM)

Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.
Consumer complaint received 2023-07-07
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX Account 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 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 2020-03-11
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.