davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-17
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: Santander Consumer USA Holdings Inc. (SC)

I entered into a lease agreement with Santander by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the Santander class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a 3rd party collections agency that Santander sold the account to called XXXX XXXX. The charge off for Santander is not set to be removed until XX/XX/XXXX and the account with XXXX XXXX, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both Santander and XXXX XXXX numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (WI)

On Monday XX/XX/2021, while at work I began receiving text messages from Chime Bank indicating security codes, which I did not request. Someone transferred all of my funds from my credit building and savings accounts to my spending account and then sent it internally to pay to friends. The transaction was sent to a XXXX XXXX I have never nor did not authorize this transaction. This low life left XXXX cents in my account and this is not the first time. My debit card has been compromised with this bank and replaced twice. They need to better safeguard the accounts of their members and the FDIC really needs to further investigate.
Consumer complaint received 2023-03-06
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. (PA)

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 2021-01-05
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. (NC)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-01-05
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. (NC)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I've disputed this account several times because I have no knowledge of these accounts ( 2 ) with this collection company. I have always had insurance and so I sent them a certified letter on XX/XX/2021 and it was hand delivered to an actual person on XX/XX/2021 at XXXX. In this letter I requested for the company to send the appropriate proof that they are attempting to collect from the correct person. I also asked form them to provide in writing what the money they say I owe is for with a full break down of the calculation and provide copies of any documents with my signature stating I agreed to pay them what they say I owe. 

I have yet to receive any documents or response to my letter. I am requesting the account be properly validated as mine or be deleted immediately from my credit reports. I should not be held responsible for something that can not be proved as mine.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela is ignoring the rules put out by the department of education and forcing me to recertify my income XXXX year earlier than what is required. My recertification date is listed as XX/XX/XXXX, which means I do not have to recertify my income until XX/XX/XXXX and am able to maintain my same payment amount. Because I did not recertify by their deadline, XX/XX/XXXX, they increased my payments from {$0.00} to more than {$2300.00}, with the first payment due XX/XX/XXXX. 
This is a direct contradiction to a written correspondence I received from them on XX/XX/XXXX stating my payments were {$0.00} and if my recertification date is listed as between now and XXXX XXXX, I can delay recertification by 1 year. My recertification date is XX/XX/XXXX. They sent me another letter XX/XX/XXXX stating I need to recertify by XX/XX/XXXX or my payments would increase to ~ {$2300.00}. I called Mohela and they told me I can ignore that letter, I was not due to recertify and that their systems are still catching up. 
I received the most recent notification on XX/XX/XXXX stating that because I didnt recertify my new payments are ~ {$2300.00}. They are using made up terms and rules such as first payment to justify what they are doing. They claim that because the first payment is due XX/XX/XXXX, this is after XX/XX/XXXX and I am ineligible for the extended recertification.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

The XXXX statement for my USAA credit card was posted on XX/XX/XXXX. It showed Cash Advance balance subject to interest of {$8900.00} and an interest fee of {$95.00}. I have never taken a cash advance on this card. I called the company on XX/XX/XXXX to inform them of the error. The individual I spoke with indicated that is how they account for interest on balance transfers. I previously had a balance transfer, but paid it off before the promotional period ended, and thus should not have been subject to any interest charge on the balance transfer either. I work in the financial industry, so I know that written complaints have to be dealt with, and where the individual on the phone wasn't willing to correct the issue and waive the fee, I submitted a letter to USAA which was received on XX/XX/XXXX. I received an email confirmation that they were reviewing it. This morning, XX/XX/XXXX, I received another email saying the fee is valid and I am required to pay it. I do not believe this fee is valid, and even though it may only be {$100.00} to me, which I can afford, if this company is doing similar behavior with its thousands of customers, especially if they are servicemembers, then I believe it's something that should be investigated.
Consumer complaint received 2021-03-22
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: AMERICAN EXPRESS COMPANY (NY)

This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41
Consumer complaint received 2021-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with CAPITAL ONE, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX!! 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 2021-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I received an offer for an incentive of {$600.00} to open a new checking account. To receive the {$400.00} portion, I had to Direct Deposit {$2500.00} within 90 days after account opening and remain in good standing. To receive the additional {$200.00}, I had to process 15 debit card transactions from the account within 90 days and remain in good standing. I opened the account and entered the promo code during the promotion period, prior to XX/XX/XXXX. I performed all the required activities and did not receive the {$600.00} within 15 days after 90 days following account opening. I reached out to a representative and she said I was not eligible to receive the promotion because I was not in the intended " market ''. This is unfair since I DID receive the promotion. The bank received all the benefit of me putting money at their institution and processing my debit card transactions with their processor, but they aren't going to follow through on paying out my incentive! Why weren't there stops in place at account opening to prevent me from using the promo code online if I wasn't in the designated market? It's so convenient that the promotion entices many people to sign up but only a few of those who sign up actually qualify. That is deceptive advertising, and so frustrating that I had to keep track of all of this, with nothing to show for it after nearly 4 months!
Consumer complaint received 2021-01-05
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT
Consumer complaint received 2021-01-05
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. (NC)

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2021-09-16
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. (GA)

I noticed these fraudulent accounts on my credit report and I've disputed them several times with the company and Transunion and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00} XXXX XX/XX/2018 {$0.00}
Consumer complaint received 2021-01-05
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN EXPRESS COMPANY (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. American Express will be civilly liable under Title 15 U.S. Code 1692k if American Express failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you
Consumer complaint received 2021-09-17
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: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Fraudulent transaction was posted on my HSBC card in XX/XX/2021. I reported it as fraud for the investigation. Account was closed and new account was opened with balance transferred to new account. After multiple calls over months I could get late charges and balance removed last month. I also got letter about collections. Now I see balance back on closed account and statement to pay balance of fraud transactions. Over months this is been very frustrating experience without any communication from HSBC about investigation or conclusion except for asking for payment. I feel this is not fair action from HSBC to collect money reported as fraud. I need help to resolve this problem. All my attempts have failed to resolve this issue. I have all the documentation of chat and mails.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

On the morning of XX/XX/2020, I attempted to transfer funds from my Citibank " Accelerate Savings '' account ( balance approx. {$200000.00} per Citi website ) to my XXXX  XXXX XXXX checking account, which I had previously linked to my Citi account online via the Citi online banking website. I spent approximately two hours on the Citi website attempting to make a transfer -- starting at {$24000.00}, for which I received an " exceeds daily transfer limit '' message. I then attempted approximately a dozen more transfers in descending dollar amounts, ending in a mere {$2000.00}, and received the same message every time. I then started trying to call Citi customer service. After waiting twenty minutes to get an agent on the phone, she " accidentally '' hung up on me -- - and then this same thing happened two more times in a row. When I finally got someone who didn't hang up on me ( " XXXX, '' who wouldn't give me his last name or badge number ), he told me he could get someone to facilitate a {$50000.00} wire to my XXXX joint checking account. He said the {$25.00} fee could be waived. After another 25 minute wait, the person he transferred me to ( " XXXX '' ) said the fee could not be waived. She facilitated the wire transfer and told me it would clear in 1-2 business days. Twelve days later, it still hasn't cleared and no one answers the customer service line XXXX told me to call. This morning, I attempted to withdraw {$2000.00} ( the daily ATM withdrawal limit per the Citi website ) from a Citi ATM, but it only allowed me to withdraw {$400.00}. I again called Citi 's customer service number and waited on hold for 14 minutes, but no agent ever answered. I have since read scores of complaints that Citi makes it impossible to withdraw funds from the " Accelerate Savings '' account -- obviously with the intent of holding the funds longer and increasing the bank 's profits. I have been practicing commercial law for 22 years and regularly represent clients in litigation against banks. I am considering legal action against Citi.