davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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: SANTANDER HOLDINGS USA, INC. (MI)

On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1985 XXXX XXXX XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

I started financing a cell phone purchased with a Citibank Best Buy credit card which came with a promotional offer. I was given XXXX months to pay off {$1400.00} which included the deferred interest. As it was due on the XXXX and the XXXX months expired on XX/XX/XXXX, while I still had {$780.00} left to pay, I was charged about {$41.00} interest for not making the payment on that day. XXXX days later with no payment and they decide to charge me {$1200.00} interest on a balance of {$780.00}. So I don't see how it could be fair in any way to charge a person that couldn't even afford to pay their bill on time XXXX XXXX interest after having already charged interest a few days prior. The balance now stands at {$1900.00} and they lowered my limit at the same moment they charged this exorbitant interest so I'm not facing {$540.00} overlimit penalties if this continues. I hope this doesn't continue compounding where they now wan na charge me XXXX XXXX if {$1900.00}. Please help me get this rectified. I will pay my overdue balance and even reasonable interest but this is an outright abuse of a vulnerable consumer. 

Thank you for taking time to look into this matter.
Consumer complaint received 2022-11-23
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. (CA)

This is my NUMEROUS 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, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my complaint for you to notify that I want you to delete those items that are seems to be fraudulent on my credit file. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These are the following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX, XXXX XXXX Balance Owed : $ XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$180.00}.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Crown Asset Management LLC, represented by XXXX, XXXX, XXXX XXXX XXXX XXXX has used multiple predatory tactics in the past violating FDCPA laws trying to collect on a debt that is fraud due to my information being compromised. Although Ive reported the identity theft multiple times and my information was found on the dark web, Crown Asset Management makes an overzealous and predatory action to unilaterally file a lawsuit with improper service. I was never served and found out I was being sued due to multiple defense attorney solicitations in my inbox. Crown Asset Management is using predatory tactics to scam me and scam the court system to obtain a fraudulent bank garnishment for an unauthorized debt. Crown Asset Mamagement LLC has in fact stolen my identity and has been scamming me this whole time and is responsible for my information on the dark web which is why they dont stop their predatory collection efforts. This whole process has caused me to suffer emotionally and has taken a toll on my mental health since my information is being tampered with. It has been extremely difficult due to my credit scores being impacted by fraud due to crown asset management LLC stealing my identity which is currently causing me to suffer a great deal of distress.
Consumer complaint received 2024-04-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OK)

Direct Express Debit Card Services ( Comerica ) where my monthly XXXX benefits are deposited are in violation of regulation XXXX section XXXX ( c ) ( XXXX ) XXXX day requirement for issuing provisional credit after I XXXX. Notified them by phone of an unauthorized XXXX. XXXX. Cancelled my card. XXXX. Completed and faxed in the required signed fraud statement. 
Direct Express failed to provisionally credit my account within the XXXX  day parameter set forth in XXXX c XXXX. I notified them on a Monday and they indicated that provisional credit wouldn't be issued until the Monday after the XXXX day making it XXXX days until my account was credited. DE is notorious for these violations.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights 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 an account without my written instructions.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am disputing the accounts ( XXXX XXXX Account number XXXX Experian ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including small claims court in my area. This is my warning. I demand you to delete these items at once. 

I have included the confirmation number from the certified signature request letter sent out to the collection agency ( XXXX XXXX ) in order to validate the alleged date. Confirmation number : XXXX They have violated the following U.S Codes : 15 U.S Code- 1692d,1692e,1692f,1692g,1692j and1692k
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I am writing to file an official complaint against Wells Fargo & Company concerning XXXX unauthorized transactions totaling {$1800.00} from my account. Despite filing a claim with Wells Fargo regarding these transactions, my complaint was denied without adequate resolution. 

I discovered the aforementioned unauthorized transactions on XX/XX/2023 and immediately contacted Wells Fargos customer service to alert them. I followed the requisite procedure and filed a formal claim on XX/XX/2023. 

After providing all necessary details and documentation to support my claim, I was notified on XX/XX/2023 that my claim had been denied. No clear or satisfactory reason was provided for the denial. 

I am deeply concerned not just about the unauthorized transactions, but also about the seemingly arbitrary manner in which my claim was denied. The lack of a clear explanation and resolution is distressing and leads to diminished trust in Wells Fargo as a financial institution.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (IL)

I'm filing this complaint against destiny card for mishandling my fraud case I have put in a fraud case with destiny card letting them know that I had never received my card ending in XXXX and that my mail was stolen with my information in it I reported this to destiny card and they refuse to credit me back for XXXX unauthorized charges that I reported to them that they know I did not make I have spoken with a manager but have nothing resolved regarding these charges I'm asking for a investigation into this matter
Consumer complaint received 2023-05-26
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: AES/PHEAA (MI)

AES/XXXX  is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and XXXX not understanding how this would be accurately reported for these years by AES/XXXX. I was never supplied with any loans from AES/XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by aes/XXXX  then I would like my credit report to reflect the accuracy that is within my rights as a consumer.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to express my disappointment with the inaccurate credit reporting done by Capital One Financial Corp. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Capital One Financial Corp, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Capital One Financial Corp has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Capital One Financial Corp immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Capital One Financial Corp does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/2024 just looking over my credit report and noticed that BMW FINANCIAL SERVICES/CREDIT is false reporting needless to say that the debt was never XXXX this is what BMW FINACIAL SERVICES false and fraudulent reporting to credit bureau and also tax reporting as a loss the statue of limitation has ran on collecting and was written off as XXXX ON 1099 for tax purposes by BMW FINACIAL SERVICES . THIS ACCOUNT WAS CLOSED MORE THAN 5 years ago. I want BMW FINACIAL SERVICES to completely remove the entire account off of my credit report due to false and fraudulent reporting. the balance before write off was {$9300.00}. 
Original balance {$12000.00}. For them to continue to report and their is not legal claim for this debt and for the damages for doing this obvious fraudulent report.
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Bread Financial, which I have several cards through employs a practice of not allowing log ins and repeated outages when trying to log in to pay your credit card bill. The site states it does not recognize you, prompts you to choose a new passoword, says it can not find your account and urges you to use quick pay, where you can not see your statement, or look at your payment history. When you call their is a service charge to pay by phone. This is a well known issue please XXXX  it. They also assess late fees which is unfair.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Atlantic Discount Corporation dba Atlantic Financial Services (VA)

I was in the dealership. Looking for a vehicle. From my understanding and what I wanted I didn't need to have a loan taken out on the vehicle. I was not trying to finance. My credit was ran and I had given a down-payment
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

At the end of XXXX I contacted Citibank regarding the annual fee increase an authorized user fee to determine when I needed to cancel it to ensure I was not charged. I was told as long as I called before the annual renewal date that I would be OK. I called on XX/XX/XXXX and spoke to an agent about canceling my card as I did not believe the benefits were worth the annual fee any longer. He shared he could convert me to a card with no annual fee, which I agreed to. I confirmed on the call I would not be charged the annual fee and authorized user charge. On XX/XX/XXXX I was charged the annual fee and authorized user fee for a total of {$770.00}. I called Citi on XX/XX/XXXX to inquiry about this and have it refunded and was told they can not refund it and I would have to wait XXXX billing cycles for it to refund. This means I will have to pay for this fee to ensure I receive no interest charges over these XXXX billing cycles for benefits that I can not even receive any longer since my card was converted. I feel this fee should be refunded on my account now as I should not have to pay for this. There has to be a way for them to correct this situation on my account.
Consumer complaint received 2021-06-21
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: Sequium Asset Solutions, LLC (OH)

XXXX XXXX Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My USAA account was closed, due to a transaction overdrafting my account. My account was supposed to not be able to be overdrafted. I was hit with XXXX over draft fees after that. The account was closed due to me not paying the overdrafted amount on XX/XX/2024. After the account had been closed for XXXX days, USAA reopened the account temporarily to receive and absorb my paycheck in order to pay for the overdrafted amount and will not let me view the balance, refund my money back, set me up on a payment plan to pay off the balance owed, or use my debit card. They want to send me a check XXXX days after processing this transaction. I'm currently in recovery and I'm in quite a bind now that I don't have this money available to me.
Consumer complaint received 2023-06-06
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. (MD)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

There was XXXX taken out of my account with out my authorization I don't know how it was the pay a person. I did not do this and it was done in XXXX but I did not get a post. The way I found it was when sending my son money I seen the transaction. The denied my dispute I redisputed and waiting