davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NJ)

I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. 
companies involved ; XXXX XXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} NCB management Services XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXXI
Consumer complaint received 2024-03-29
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)

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called XXXX to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.
Consumer complaint received 2024-03-29
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. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}
Consumer complaint received 2024-03-29
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. (IL)

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (NM)

In an attempt to monitor and manage my money better I contacted discover bank about opening an account. Thats when they informed me that I could open a savings account about a debit account. However, they said that their debit system is down right then, but the lady told me that I waited a couple weeks that I can get a debit account to go with my savings account to be able to move my funds! I waited patiently and then I was told that they were doing the debit cards again so I contacted the company XXXX different times to which they denied my applications for debit card. They said it was in part due to my credit score, and the fact that I had activity theft as my ex-husband has destroyed me financially. He has withdrawn money about all the accounts so that is impossible for me to get a normal bank account. I am Non Emergency situation and having spent XXXX nights in the streets with no food no shelter no clothes and the company refuses to assist me in anyway. They misled me into an account and then when they claim that theyre not gon na make anyone pay the price for identity theft thats exactly what theyre doing. I should be able to have an account to move and manage my money, this is causing him at large amount of grief and I want you to know in life something needs to be done if Im not good enough to have a debit card to go with my savings account why would I want someone to hold my money and refuse to ever give it to me especially in a situation like Im in now. I spent the last XXXX XXXX years living in XXXX is trying to hide from the likes of my XXXX Im now here for a court date in XX/XX/XXXX and XXXX in the streets with no access to my funds. This is criminal..
Consumer complaint received 2017-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (AZ)

My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AR)

I filed a dispute with my card company XX/XX/XXXX for fraud and unauthorized charges made on my account, due to my card being stolen. I was directed to send an email in writing requesting a provisional credit while the investigation take place. I received an email response to my request. 

The letter stated that a provisional credit will be granted in XX/XX/XXXX business days from the date of my claim. It has been XXXX business days since my claim, and I still haven't received a provisional credit. No cooperation or response from the company since I emailed letter and police report.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I have a repo on my credit reports which I ask to the bureau to verify or remove from my credit reports and its been over 90 days and I still have not received any verification. I'm demanding this account be deleted immediately.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, On regards to complain number XXXX from the CFPB I originally filed, I want you to know, the bank Wells Fargo XXXX has just credited my banking account for the fee. 

Thanks for your efforts, and for closing these XXXX XXXX complain eligible cases. 

XXXX XXXX
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (AZ)

TD Bank Savings Account. 
I am not able to access my account as of XX/XX/2023. 
I called - XXXX XXXX XXXX - multiple times from ( XXXX ) XXXX XXXX on XX/XX/2023 - spoke to different representatives each time- XXXX XXXX XXXX ( at the XXXX Branch XXXX, XXXX, XXXX - nobody willing to resolve the issue. 

Also, prior/earlier online requests to transfer funds were blocked/denied even after I had completed online verification as requested.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (MD)

When we first brought our home XX/XX/XXXX, we did not know our mortgage was a balloon rate and would increase tremendously, we refinanced in order for our mortgage not decreased. In the process of paying our mortgage, I was preparing for retirement. 

We found out that we were scammed by a company called XXXX XXXX, who said that they will pay our mortgage payments, we were not to pay the mortgage people, they will, thought they were paying our mortgage, until we were threaten with forclosure notices, XXXX worked with us and deferred our missed payments. When they sold our mortgage to Selene, they wanted us to start paying towards the deferred amount in our monthly payment. 

We had two  modifications, the first was in XXXX and the second was in XXXX The modification appears to have a balloon feature which means that the entire mortgage comes due and payable in just a few years. Were you made aware of this? 
I was aware of the first one being in a balloon, I was not aware of the current being in a balloon rate as well.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

PROMO INCENTIVE NOT HONORED BY AMEX PLATINUM CREDIT CARD I am extremely frustrated with lack of service, attention, response and resolution to my complaint not receiving/ honored the welcome rewards bonus. 

I opened my Amex platinum in XX/XX/2023 with an advertised XXXX bonus after $ XXXX spend from XXXX site. I met all the criteria presented for the reward bonus and was looking forwardtothepremium credit card experience. 

After patiently waiting a few months, the welcome points were never credited, so I initiated inquiry via online chat on XXXX XX/XX/XXXX. I was told the points were not being granted and that I may submit an online document with Amex to dispute. I did this immediately Note. : There were no obvious Amex claims or warnings presented to me at application, that I was willing to proceed opening the new $ XXXX credit card without receiving the advertised bonus point offer. If there is such disclaimers in the pages of small print, that is extremely misleading and simply poor business practice. 

After waiting 5 days for an update or resolution and not hearing anything, I called customer service to inquire. I had a pleasant discussion with the rep but was informed my submission was denied with no explanation or contact. Sadly after a bit of time we realized she couldn'thelp and I asked for a supervisor or next level to help address my concerns. I was advised the manager was not available but I would absolutely receive a call within24-48 hours. 5 days later and this still hasn't happened. No calls or messages. I truly feel wronged and have spent an exorbitantamount of my time to get satisfaction.
Consumer complaint received 2024-03-29
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. (OK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Klarna AB (ID)

I ordered from instacart. They offered a pay in four payment option through Klarna. I had not used it before and was unaware that the company arbitrarily assigns a purchase power or an amount they are willing to loan which varies from person to person. It does not tell you what this amount is. My order was above this amount. Not a problem if I had known. However, Klarna took 25 % of my purchase total out of my bank knowing they were not going to approve my order. Then it takes up to seven days to put back in my account. The agent said and I quote, the system automatically puts the money on hold just by trying to create the order to confirm that you have enough money for the first payment before the store processes the purchase. So knowing my order was more than they would approve they took 25 % of the purchase cost out of my account for up to a week. This happened today on XX/XX/23. All they had to do was decline the purchase it wasnt a big deal. However now they spend a week earning interest on my money when they knew they were not going to honor the lending agreement. Bad faith.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

Account Ending In XXXX Reference Number : XXXX Business Name : XXXX XXXX CORPORATE OFFICE Transaction Amount : {$2700.00} Transaction Date : XX/XX/2023 I returned this item to XXXX XXXX and have not received a credit or refund. XXXX XXXX customer service said I should get a refund yet none was given. American Express is denying my dispute despite having a return tracking number and pictures of the item I was sent.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, transunion, and XXXX are reporting a late payment when they shouldnt be PER 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC (IL)

This company gives you option of auto pay or paying manually. I pay manually because often times my pay days are not aligned with their pay schedule. Just this month, they took a payment from my checking account for a payment I did not authorize. I called them the same day and asked them why did they do this when clearly my account is NOT on auto pay. They said its in their contact that they can do what they want.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ XXXX XXXX XXXX ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law. 


I am deeply troubled by the failure of [ XXXX XXXX XXXX XXXX ] to rectify this situation promptly. Despite providing evidence to support my dispute, the inaccurate late payment entry remains on my credit report, causing ongoing damage to my creditworthiness and financial standing.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second letter mentioning the non-response, ( signed and received on XX/XX/XXXX ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response. If I personally haven't received a response as the person who 'owes ' the debt, I'm highly doubt they were able to prove it to the bureaus. I have given well over the original 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2022-12-09
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. (NJ)

Experian credit reporting .are reporting time barred reporting on my credit report, statue, a limitation states seven years it is past seven years. XXXX. XXXX XXXX has removed this report. XXXX XXXX # .Ive asked Experian for records of dates they may have on file.no response well as no paperwork..they have never sent me nothing in the mail nor contacted me in this regard.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (CA)

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX Balance {$900.00} ; XXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2023-04-15
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: CITIBANK, N.A. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-29
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)

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Transunion is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE