davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX XXXX XXXX in XXXX, I told Discover that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and Discover bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (OH)

Account was closed on XX/XX/23 the reason given was they said I violated the terms if the user agreement. But they refuse to tell me what teams I violated and keep referring me to the user agreement witch has multiple things on their. I want a specific reason as to why this account was closed. I was never late on a payment paid early and never went over my credit limit. Are they discriminating against me? Cause it sure seems like it.
Consumer complaint received 2023-06-17
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. (WI)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (FL)

For years I've gotten messages saying I need to apply to credit cards with high interest rates to improve my credit score. On many occasions I have and was denied. As a result my credit score dropped because of the hard it. This is a fraud
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: VNU Group, LLC (TX)

XXXX by Pacific Credit Group says I have a past due account with them. I never heard of them. The address they have for the alleged account on file is in XXXX, I live in another state. They never checked credit or reported to credit Bureau so there is nothing on my Credit Report or any alerts. I was a victim of the XXXX hack so US Gov pays for credit monitoring. Nothing in Credit monitoring. XXXX insists I give them my address, social, etc. which I declined to give in full.
Consumer complaint received 2023-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (MD)

My personal loan payment of {$450.00} per month was due on XX/XX/XXXX. I paid through my bank and it was paid by the bank on XX/XX/XXXX. I started getting emails from American Express stating that my payment was overdue. After three of those, I received an email stating they would report it to the credit agencies. I called and they said they would take care of it. I have called him a total of three times. Yesterday XX/XX/XXXX I called and they said there was a problem with processing on XX/XX/XXXX the date on which I paid. Its hard to believe after 20 calendar days they can not fix this. Now my American Express credit card is locked and I get Im getting rejections on purchases made on that credit card. They keep trying to tell me theyre there helping me but they are not and now Im going to get reported to a credit agency, and I have to go through a lot of trouble paying these bounces with other credit cards. An AMEX person called XXXX told me that if I get reported to the credit agency they will fix it. I do not believe them. I believe something is happening in their system and for some reason they can not fix it and keep telling me they will. XXXX said she was going to call me Friday, XX/XX/XXXX but she did not.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DYNAMIC RECOVERY SERVICES, INC. (VA)

Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (VA)

Today is Monday, XXXX XXXX XXXXXXXX. Citi Best Buy has already called once today. They call several times per day. In the past 7 days, since XX/XX/XXXX, they have called 17 times. They typically call 3 times per day. This is not the first time theyve done this when Ive been late on a bill. 

This is harassment. Clearly, I know that I owe them money. However, I am all out of money until the XXXX XXXX XXXX when I will promptly pay them. They dont need to call 3 times per day to get their point across.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo representatives tell me that my account has thrown fraud alerts for a transaction that I did myself and I told them I did. I verified all the information about the transaction, and told them there is no fraud. My account is fine, I've not reported any fraud nor any unauthorized transaction. But they insist that the system has shown fraud activity. Then they asked if I had multiple devices, I explained that I use XXXX XXXX on my phone for security and privacy, and apparently the bank 's system don't like that, however, that's my right to watch for my security and privacy, and when I signed WF terms and conditions it doesn't say on our contract that I can not use XXXX XXXX to log into my account. 

Now they keep telling me that I have to step into a branch with a form of ID to get verified. I left the United States a few days ago and won't be back in several months. I've explained this situation to them and they keep telling me the same, they don't seem to even listen what I'm saying, they keep repeting the same message to me over and over. I called my personal banker at the WF branch with whom I opened my account, and she put a note on my account letting the security department that we talked but I'm not in the country and I can't go to the branch. I wonder if it is actually legal that WF prevent me to access my online banking just because I'm not in the United States at the moment. As my banker says, WF multiple ways to verify me over the phone. Then, they should do that. 

This is so discriminatory of Wells Fargo to punish XXXX XXXX like me by not letting them use their online banking because they can not step into a branch whenever WF wants.
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CT)

I had 3 prior loans with the company. I was in the process of applying for A new loan of a higher amount. When asking questions about interest and pay off dates I realized that they may have overcharged me when I paid off the previous loans. I provided the dates the loan amounts and the pay off amounts so that they can help me understand the interest rates. They would not acknowledge my complaint nor would they provide me with documentation when I asked. They charged me 30 % interest when i should have been charged 15-16 % because I paid my loans in 7 and 8  days. 30 % interest is if you pay in 14 days. 30 % of XXXX is XXXX, which is a payment of XXXX in 14days. I paid XXXX for each loan ( 3 total ). I paid in 7/8 days so my payment should have been about XXXX for 2 loans and XXXX for 1 loan.
Consumer complaint received 2023-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XX/XX/XXXX I fell behind on my mortgage, filled out a XXXX XX/XX/XXXX. 
XX/XX/XXXX it was suggested from a mortgage servicer XXXX that SPS was adding {$200.00} to my mortgage to repay my rears. I have a co borrower on my mortgage, my ex wife. I had given them my quick deed and divorce decree awarding me the home. Every SPS servicer said they didnt know why the rejection of asking for the co borrower information when they had quick deed and decree. XX/XX/XXXX I was told SPS wouldnt take any payments except the full amount. Im in mediation now with state of Illinois and the mediator is asking the same to SPS attorney. 
Weve done this before. Now SPS XX/XX/XXXX is amenable to my XXXX now. But raising my rate 2 % and add {$800.00} to my mortgage payment almost 19 months later
Consumer complaint received 2023-05-29
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: Synovus Bank (GA)

In accordance with The Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... 
XXXX XXXX opened XX/XX/XXXX there address is XXXX XXXX XXXX XXXX XXXX, Nv XXXX amount is XXXX I have no knowledge of this account.. 
First Progress : there address is XXXX XXXX XXXX XXXX, Ga XXXX opened XX/XX/XXXX amount XXXX I have no knowledge of this account.. 
XXXX XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX opened XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX opened XX/XX/XXXX I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX also there are several wrong addresses that are listed, my address is currently XXXX XXXX XXXX XXXX XXXX Ga XXXX wrong addresses that are still listed and reporting are : XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX please remove these addresses i have no knowledge of theses addresses... 

These accounts and wrong addresses have 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, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for XXXX XXXX XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you
Consumer complaint received 2023-05-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

I was approved for a mortgage on a condo in XXXX XXXX, FL. The mortgage company approved my mortgage with the flood insurnace the HOA has implemented. I received a notice in XXXX that forced placed flood insurance will be added. I had tried to work with ShellPoint Mortgage to get them the needed information and it was very hard to get anyone to help me. Finally in XXXX I connected with someone found out the issue. I got my own policy put in place in XXXX but there was a 30 day wait until the policy was in affect. XX/XX/XXXX it was effective. During that 30 day wait time I was able to upload the proof of insurance to their site, email to their service email and get it to two agents via email. The forced placed insurance is still on the payment. I havent been able to get anyone at ShellPoint to tell me when it will be removed, what the payment will be and what will be prorated and removed. At this point, I cant continue to pay this higher payment and am afraid I will not be able to make the payment and will lose the condo.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion keeps locking me out of my account and I am unable to access my Transunion ACCOUNT. i'VE RESET THE PASSWORD AGAIN!!!!!! And it goes to a broken loop that resets to the start screen and will not process.
Consumer complaint received 2023-06-02
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. (NJ)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (OH)

Applied for a wells Fargo credit card and was denied they told me the reason was that I had a card with an unpaid balance. I have never had a credit card with Wells Fargo Bank. 
My ssi number is XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MS)

A XXXX  Account Was Created By my Sister and Yes I Signed For Her To Get The Account and She Must Have Default on it, Well, Later XXXX Written Off and/or Discharged The Account About a Year Ago and Now Some Other Company Must Have Brought The Account and They are Citing My Credit as Collections, I Did Dispute it When it Was With XXXX  and I Dispute This One Also. I Also Have Others That I'm Paying Back Through XXXX XXXX and It's Showing as Delinquint But It's Not I'm Paying Them, It's Just Through XXXX XXXX.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing. ( b ) Other Forms of Disclosure ( 1 ) In general. If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609 [ 1681g ] ( A ) other than in writing; and ( B ) in such form as may be ( i ) specified by the consumer in accordance with paragraph ( 2 ) ; and ( ii ) available from the agency. ( 2 ) Form. A consumer may specify pursuant to paragraph ( 1 ) that disclosures under section 609 [ 1681g ] shall be made 58 611 - 15 U.S.C. 1681i ( A ) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice ; ( B ) by telephone, if the consumer has made a written request for disclosure by telephone ; ( C ) by electronic means, if available from the agency ; or ( D ) by any other reasonable means that is available from the agency. ( c ) Trained personnel. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 609 [ 1681g ] of this title. ( d ) Persons accompanying consumer. The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumers file in such persons presence. ( e ) Limitation of liability. Except as provided in sections 616 and 617 [ 1681n and 1681o ] of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 609, 610, or 615 [ 1681g, 1681h, or 1681m ] of this title or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report, except as to false information furnished with malice or willful intent to injure such consumer. 

The following address XXXX XXXX XXXX XXXX, XXXX Ga, XXXX is reporting inaccurately.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (KY)

Please see previous CFPB complaint filed against CITI BANK XXXX After a very stressful and tedious process with CITI BANK to receive a replacement on an expired credit card, CITI BANK has established a FRAUD HOLD on my account that requires me to answer many unnecessary or already document questions in order for the credit card company to approve purchases charged to my open account. One question in particular is repeatedly asked of me " Do you have a Citi Checking or Savings account? '' I am repeatedly asked for various phone numbers for verification.

CITI Bank continues to discriminate against me as a customer. No one else has access to use my credit account. CITI Bank did not disclose that I would have to continuously pass through FRAUD examinations before I can use my account. This is a highly discriminatory practice. I will file a complaint with the FDIC and also write the U.S. Congress about the CITI Bank 's aggressive tactics and creating excessive, unnecessary barrier to access open credit account.

Furthermore, I will begin the process of looking into a campaign to start a class action lawsuit against CITI Bank regarding it discriminatory practices towards its consumers.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have 9 transactions all for {$100.00} charged from this company : PURCHASE AUTHORIZED ON XX/XX/05 XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX to XXXX. I whole heartedly believe that Wells Fargo didnt even ATTEMPT to do any research before denying my claim. This is utterly ridiculous, and they should be ashamed of themselves for their deceit. Had they in fact did their job and investigated, they would see I have never signed up for this company and not have denied my claims. I am going to take this further if I do not get this resolved.