davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I am a XXXX XXXX XXXX. I was on XXXX XXXX XXXX  for XXXX  days from XXXX XX/XX/2024 to XXXX XX/XX/2024. I opened a Citi AAdvantage Executive credit card account on XXXX XX/XX/2024. I also requested to have XXXX protections applied to my account. Citi claims I am not a qualified borrower, despite me sending them copies of my orders multiple times and even pointing out where on the XXXX it states that I am a qualified borrower because I was on orders for more and 30 consecutive days. They also claim that I was not on XXXX XXXX when I opened the account, despite me sending them my orders multiple times. 

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 XXXX under a call or order that does not specify a period of 30 days or less, or such a member serving on XXXX XXXX XXXX XXXX XXXX as that term is defined in 10 U.S.C . 101 ( d ) ( 6 ). 

I keep sending in an application for XXXX and it keeps getting denied. The people I speak with over the phone refuse to give me additional information, the only thing the do I read me what it says on the denial letter. They also tell me that I may no speak to the people in charge of reviewing the account. 

What they are doing is not fair... specially when there is a law that is supposed to protect service members.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

During the timeline of XXXX XXXX ( XX/XX/XXXX ) I have been dealing with identity theft. I was able to let XXXX, XXXX and my banking company know of the issue and put a credit freeze and fraud alert on my accounts. I tried contacting experian until I found out the hacker who stole my identity created a fake gmail account and was in control of my experian account. Experian supposedly changed the email to mine but the username still continues to be the hackers fake email of me. They ensured me it would take 24-72 hours to change and to not log in. I waited and tried and still could not log in, the email was never changed for the account but I have been filtered the emails when there is action on my account. I contacted experian multiple times during the timeline I provided and was told I was unable to do anything because I could not answer the security questions or provide the PIN number. The security question and pin is what the hacker made, so I am unable to verify it because it was not me who set it up. I told them to cancel the account and look into it. They canceled it but now the hacker reopened it. The hacker is still in control of the account and is continuing to use it. Experian has done nothing about this issue and I have filed a police report with the local police. Hacker has my drivers license information and social security number.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date XXXX inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Contacted capital back in XXXX and XXXX to resolve purchases made, someone would pay an amount to purchase something at XXXX and other various stores. I contacted capital one numerous of times and could never get the help i needed for the fraudulent charges.
Consumer complaint received 2019-10-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( 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 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (FL)

Upon challenging XXXX XXXX XXXX - XXXX ; account Equifax, XXXX and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXXXXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

MY DISPUTE FROM CFPB COMPLAINT ON XX/XX/2023 SHOULDVE BEEN UPDATED AND REMOVED WITHIN 4 BUSINESS DAYS. REF NUMBER : XXXX PER LAW : 15 USC 1681 ( a ) 1 ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these fun fair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain efficient credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems.
Consumer complaint received 2022-05-31
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is my 2nd or 3rd complaint regarding Capital One Card Services. Both my cards receive fees from the interest which I know that I have to pay there is no problem with that. The problem arises when it is reported as an over the limit fee. The fees that Capital One places on my cards makes my cards go over the limit. Then report the overlimit fees to XXXX, XXXX, and XXXX as if it were my fault that I used my card and it went over the limit. 

Not only that, but my credit score goes down. The first time XXXX points. The second time XXXX points because of this! I would like for Capital One card services to rectify the situation and restore my credit score to were it was with the XXXX points!!!
Consumer complaint received 2024-03-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (PA)

dept of ed / telnet account been open for XXXX  years and XXXX months, total owe is XXXX no actions were taken I no longer am elibigile to pay this I would like for it to be forgiven
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I previously filed a complaint XXXX which was resolved to my satisfaction by USAA 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, USAA reverted to the prior incorrect reporting with XXXX and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, USAA has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
Consumer complaint received 2023-06-23
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2019-06-28
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. (IL)

I send in my dispute to Equifax and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct infomation same as all ways and it was never a problem verifying it before I stated that I was ready to file a law suit because of the way Equifax is unfairly treating me you can chek the infomation I send in the necessaryinfomation required to proof that I'm the XXXX XXXX XXXX requisting this dispute.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that XXXX would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental XXXX said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2022-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

On XX/XX/2022 Dovenmuehle Mortgage applied {$630.00} which was in Partial Payment Unapplied Funds to my principal balance despite Dovenmuehle not having authorization to make that application. I wanted that money to remain in Partial Payment/ Unapplied Funds.
Consumer complaint received 2022-05-31
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: JPMORGAN CHASE & CO. (CA)

This complaint is against Marriot XXXX XXXX credit card under Chase Bank. 
About a month ago ( XXXX half of XXXX ), I did an online application. The offer under Marroit XXXX XXXX card is XXXX free night rewards ( each night valued up to XXXX points = XXXX pts ) after you spend {$3000.00} on purchases in your first 3 months from your account opening. I have received my credit card last month and have already fulfilled the terms and conditions. Unfortunately, up to this day I had only received half of the XXXX points as promised. I have called and spoke countless times with customer service reps and supervisors to amend and update my points but to no avail. They refused to oblige and look further regarding the issue. Because according to them, my application was only good for the XXXX free points offer contrary to the offer online of XXXX points and as agreed over the phone with the agent who processed and approved my application.
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-12
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. (CA)

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX  Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.