davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Mr. Cooper Group Inc. (VA)

In accordance to the fair credit reporting act acts by XXXX is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose Nationstar Mortgage LLC XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX XXXX
Consumer complaint received 2022-05-20
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. (NV)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-20
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)

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Consumer complaint received 2022-05-20
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. (TX)

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

We booked a room at a hotel in XXXX for a week, using our American Express card. Upon arrival to the room, the heater was broken and it was 11 degrees outside. The next day the hotel maid stole a pair of diamond earrings from the bathroom counter of our room. We called police and vacated the room immediately. The hotel manager charged us for the full week although we stayed two days. 
We filed a dispute with American Express under the terms of our card holder agreement. This agreement has numerous rules violated by the hotel. It also clearly states the card can not be used for illegally activity. The hotel was given 20 days to respond which they did not comply with. The consumer protection laws of XXXX make it illegal to rent rooms without heat. 
Initially, American Express sided with us and gave full credit for the charge of {$1800.00} from XXXX They later reversed this decision and recharged our account. We believe American Express compared the amount of annual business we do, vs the annual business the hotel does and violated agreement terms in favor of XXXX XXXX.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (IL)

On XX/XX/2019 I was contacted by a supposed private courier that said that they had a certified letter that was to be delivered to me by Friday XX/XX/2019. If I needed to reschedule the delivery they advised me to call CRS XXXX XXXX and provided me with a case number. 

I called CRS XXXX XXXX and the person that answered claimed to be a paralegal and said that the case that was against me was from an old XXXX XXXX account that was overdrawn 10 years ago for about {$500.00} and that CRS XXXX XXXX  was sending a court summons for the amount of {$1500.00} but I was given the option of making a payment plan or paying a lower amount before XX/XX/2019.
Consumer complaint received 2022-05-20
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: Exeter Finance, LLC. (TX)

in accordance with the fair credit reporting act XXXX XXXX  XXXX - XXXX, Exeter Finance XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account status : Closed, Account Name : XXXX XXXX XXXX, Account status : Closed, Account Number XXXX 15 U.S.C. 1681section 602 A. States that I have 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 studying 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 XXXX out of XXXX 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 accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX and so on
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

A Wells Fargo customer presented me with a check of approximately {$3700.00}. I checked with Wells Fargo to make sure that the funds were available. Wells Fargo assured me that the funds were available and honored the check. Wells Fargo later dishonored the check and accused me of fraud. They then took the funds from my account and closed my Wells Fargo Account.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (AL)

I signed up for a navyist rewards card for old navy at a location in XXXX on XX/XX/XXXX, I was told that there would not be any interest or other charges on it unless I made a purchase. I never received the card and didnt think about it until I noticed on my credit statement that I lost XXXX points due to an outstanding charge of {$29.00} that was increased by {$200.00} on XX/XX/XXXX to a total of {$230.00} I called Barclays in late XX/XX/XXXX or early XX/XX/XXXX and filed a fraud report and asked them to cancel the credit card, they told me I would get a call regarding my report in 2-3 weeks, I waited 4 weeks and called them mid XXXX to check on the status of my report, they redirected me to someone who asked for my credit card information, I told them I never received the card and that I was calling to check on the status of my report, they told me they couldnt do anything without my card number.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX ( Act # : XXXX ) has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I've sent letters to resolve this issue about an account that wasn't handled correctly. PORTFOLIO RECOVERY ASSOCIATES , LLC did not respond to the last letter I sent months ago. Never did they send me the original signed contract and that violates the FCRA. I have proof I certified mailed the letter and they didn't remove the account from my consumer report. I will seek litigation if this item is not removed. 

Account # XXXX
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (GA)

In XXXX of XXXX I was notified that XXXXy XXXX XXXX XXXX XXXX of XXXX /Ally Financial ran my credit without my knowledge for a XXXX XXXX XXXX ; I was told by the salesman that I was a Co ' signer for. Unaware of his scheme he used another persons check stubs ( who's name was nowhere on the contract ) and put the car in my name. I am a XXXX patient who is on Social security and cant afford 2 cars ; I was in a XXXX that was currently being financed with them. When I noticed the problem I contacted the dealership multiple times.The salesman always gave me the run around telling me the problem would get handled. After a few months of going back and forth to the dealership ; I was told not to show up anymore or they would call the police.I didnt understand why I was being treated this way. Ive always paid my payments and I was very understanding about the issue and time needed to come to a conclusion. Now I see that my lack of knowledge and my age was being taken advantage of. Time has now past and now the XXXX XXXX is on my credit and I currently was in a wreck and now unable to get another vehicle, because of this incident.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX XXXX, I attempted to transfer {$400.00} to my checking account using XXXX Send through Venmo. XXXX Send is described on the XXXX XXXX website as follows : " Eligible Card Members can use the XXXX XXXX XXXX to send money to any Venmo or PayPal user. First, youll need to enroll in Send & XXXX, which can be found in the Account tab of the XXXX XXXX. You can then add money from your XXXX XXXX XXXX to your XXXX Send Account and then send that money to Venmo or PayPal users of your choosing. Any balance loaded to your Send Account appears as a charge on your Credit Card and is subject to the APR of other purchases on your billing statement in other words, its not treated as a cash advance, and you wont have to pay cash advance fees. '' After attempting to use XXXX Send to send {$400.00} to my checking account through Venmo, Venmo showed the transaction as initiated on XXXX XXXX XXXX with an estimated processing date of XX/XX/. This confused me because I initiated the transaction on XX/XX/XXXX. As oXXXX XXXX XXXX XXXX I still have no access to the funds either in my Venmo account or in my checking account, but the transaction has been processed and charged to my XXXX XXXX card. 

I emailed Venmo several times asking if they could explain what the issue was and when I could expect the funds to be available. They ultimately told me I would have to contact XXXX XXXX, which I don't understand because the transaction is processed on my Venmo account, but for a date in the past ( XX/XX/XXXX ) and the funds are not available anywhere. Please refer to the attached screenshots. 

As of this writing, I have been charged {$400.00} by XXXX XXXX and Venmo has not given me access to the funds.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Upon opening the Citizens XXXX account, I set up an autopay credit card payment on XXXX Their representative entered the wrong expiration date for the credit card. The account became 30 days delinquent. The company failed to notify me the payments were not going through. I only found out because I got an alert from Credit Karma on XXXX That day I called the company to inquire about the issue. We updated the account and the payment was processed that day. After an investigation, the company acknowledged they were at fault and told me they would update the account and remove the late payment mark in XXXX when I called them. They have failed to do this as well. This process has been extremely frustrating as this is the first time I have had a late payment in my credit history. The companys negligence and incompetence have led to my credit score getting severely negatively affected.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I mailed a letter for request to delete and update any personal information to XXXX, Transunion & XXXX on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX XXXX XXXX, has violated my rights. 

TRANSUNION : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : 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 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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For an accreditation report, I needed to have a credit score done. It provided a link to Transunion, where I received my FREE credit report ( and it was advertised that way ). You can go to their website and see where they advertise FREE ANNUAL CREDIT REPORT at https : //www.transunion.com/get-credit-report. 

In addition, the XXXX webpage it sends you to states : " FREE Credit Reports. Federal law allows you to : Get a free copy of your credit report every 12 months from each credit reporting company. 
Ensure that the information on all of your credit reports is correct and up to date. '' I never signed up for the credit monitoring service I was thereafter charged for, nor did the credit check inform me that I would be charged for this. I just realized on my credit card statement that I have been being charged $ XXXX since XXXX of 2021. I never signed up for a credit monitoring service, I never was told I would be charged for one, and I never used any such service. I want a full refund, this is deceptive business practices if not fraudulent.
Consumer complaint received 2023-03-05
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: ENCORE CAPITAL GROUP INC. (TX)

These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2019-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 I opened savings account of $ XXXX with cash bonus of {$600.00} offered by Citi Bank. All term conditions were satisfied on XX/XX/2019 from my side however Citibank branch manger refused to pay the mentioned bonus of {$600.00}. Today I contacted branch manger by phone and his position in this matter did not change at all leaving me empty handed. Their act is an obvious breach of financial agreement and their deserve severe penalty. Many other people posted similar complaints regarding the same issue.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (CA)

I received a statement from Destiny FS Card Services for an annual fee and Credit Protection Fee in the sum of {$76.00}. I did not apply for this credit card. The company would not cancel the card and remove charges. Only information was that the account ended in # XXXX. When I called to inquire, they continually asked for my complete SSN. Payment due date was listed as XX/XX/XXXX.