davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XXXX  didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken. 

XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX XXXX  # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XXXX  # XXXX -- THIS ACCOUNT DOES NOT BELONG TO ME
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank erroneously closed my XXXX  XXXX  credit card ending in XXXX on XX/XX/2024. Citibank did not provide any warning or notice prior to account closure. I received an explanation letter dated XX/XX/2024 stating that my XXXX  XXXX  credit card ending in XXXX was closed because " a recent review shows XXXX or more late or returned payments in the past XXXX months on this or another related account ''. 

I reviewed my most recent XXXX  months of all of my Citi credit card statements, which all showed XXXX fees, and XXXX interest. All payments were successfully processed, no bounced/returned/late payments, and no fees assessed for these issues. I have attached all recent XXXX statements for the erroneously closed Citi XXXX XXXX credit card ending in XXXX. If need be, I can provide the XXXX recent months statements for my other XXXX Citi credit card accounts. 

I reached out to Citi by the customer service phone number provided on the explanation letter, but Citi 's customer service was not able to find any further details as to why my account was closed. So it seemed to be closed in error. 

After account closure, I took responsible action to pay off all remaining balance on this account by the same statement cycle, which ended XX/XX/2024. 

Citi also sent a series of contradictory emails in XX/XX/2024 and XX/XX/2024, leading up to my Citi XXXX XXXX credit card account closure date of XX/XX/2024, in which Citi communicated that I am a loyal customer in good standings and with no problematic issues that would warrant an abrupt account closure. 

I am attaching emails from Citi during XXXX and XX/XX/2024 : XX/XX/2024 : Citi stated that " Youre XXXX of our best customers '', and automatically increased the credit limit on my XXXX XXXX card form XXXX to XXXX XX/XX/2024 : Citi invited me to submit for a credit limit increase on my XXXX  card. 

XX/XX/2024 : Citi sent a notification email of approved credit limit increase to from XXXX  to XXXX on my Citi XXXX  card. 

XX/XX/2024 : Citi send an email stating that I am a loyal XXXX XXXX  cardmember, and offering a welcome bonus of up to XXXX on Citi 's investing platform. 

XX/XX/2024 : Citi XXXX XXXX invited me to get a personal loan of up to XXXX 

As my most recent XXXX statements show, there was no failed payment transactions during the past XXXX months leading to XX/XX/2024, that would warrant any abrupt account closures. If there was late payment or returned payment issue, Citi should have penalized me ( late fee, interest charges, returned payment fee ) or forewarned me. None of which happened. 

Due to sudden account closure, I am not able to redeem XXXX of pending XXXX points from my final XX/XX/2024 statement cycle purchases ( XXXX ) and payments ( XXXX ). Per the XXXX  XXXX rewards program, XXXX  % of these final statement purchases and payments total XXXX in XXXX points, which I am owed. The sudden erroneous closure unjustly denies me of these hard earned XXXX points.
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

Regarding AfterPay services. I have used their service a few times to purchase items at XXXX. They pay upfront and set up a XXXX payment agreement you pay every XXXX weeks. Upon returning items to the merchant and reaching out to Afterpay because the refund was not processed and therefore not deducted from my account, I paid for items I no longer had. I reached out to both the merchant, and after pay to resolve the matter several times. I provided the proof they requested, and it wasnt until recently that they attempted to resolve the matter. However, I am currently in another situation, where they will not refund my money and continue to charge me for items I no longer have an have returned to the merchant. They do not provide help, are not reachable by phone, only email and each time, its a new person responding to the email. Its a scam. 

The attachments I have provided are for the current case. Ive had issues with them since early XXXX.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. All the credit report companies XXXX, Transunion and XXXX are all reporting late payments on my credit report. 
2 All the credit report companies are reporting hard enquiries without my authorization.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

Account name MONTEREY COLLECTION SVCS XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX This company has filed a negative debt collection to credit bureaus about me. I do not owe any debt as they claimed, there is no creditor - no loan- no mortgage. 

creditor they refer to is a XXXX time share membership which was purchased all cash, no debt owed. more importantly I have not give my social security to them since I paid all cash upfront 15 years ago. How XXXX obtained my social security is questionable and perhaps illegal. I request an immediate action to be taken on Monterey Financial services and demand proof how they obtained my social security.
Consumer complaint received 2023-03-08
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. (LA)

My name is XXXX 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.
Consumer complaint received 2023-03-08
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)

This account is reporting inaccuracies displayed on my credit reporting such as dispute status, account balance and past due balances I requested a factual dispute, documentation via email, and proof of validation of debt, I requested a MOV which was never received for this alleged account but this account continues to report these inaccuracies listed above
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

i sent SLOAN/NELNET SERVICES and XXXX XXXX a letter on XXXX stating they are reporting and publishing inaccurate or incomplete information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss of opportunity. My data has been comprised in a data breach because you have shared my nonpublic personal information with third-party agencies without my consent violating 15 USC 6801 . 

Your job was to : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Since you violated 15 USC 6801 and cause my data to be compromised, I am requesting the following items to be delete from my consumer report from all three CRAs ( XXXX, XXXX, and XXXX ) within 15 days or I will turn this matter over to my attorney to sue for damages : SLOAN/NELNET SERVICES XXXX XXXX ( {$290.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( {$240.00} ) SLOAN/NELNET SERVICES XXXX XXXX ( XXXX )
Consumer complaint received 2021-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been harassed to where I had a mental breakdown from a debt collector from something 13 years ago ... MIDLAND CREDIT MANAGEMENT now deployed robo calls impersonating police and government saying I am committing a crime and said I would be arrested and a warrant out for unpaid debt of {$2200.00} from 2008 which was taken care of. I am scared. They also sent someone to my house. I filed a claim but you closed it after they lied to you and said they couldn't find my account. I have enclosed a screen shot of my account on here to prove they are the ones harassing me daily. They also did this for another very old debt from over 7+ years ago and sent packages and certified padded envelopes disguised as gifts but have threatening attorneys and police in the letters.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I, properly initiated a payment to my XXXX  XXXX XXXX credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX  XXXX XXXX credit card payment. 
XXXX  XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX  XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is owned by Wells Fargo. Affidavit paperwork was filled out sent to Wells Fargo and received by Wells Fargo via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to Wells Fargo, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
XXXX XXXX XXXX XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX
Consumer complaint received 2021-01-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

Last week I received an email from Experian stating my report has been updated. When I logged in their website I found a Debt Collector XXXX claiming I owe {$300.00} and this amount they stated came from XXXX XXXX XXXX. Immediately I filed a dispute with Experian within its own website. 
I have to said this issue has been resolved last XX/XX/2020 because the fact never I owe any money to XXXX XXXX XXXX. I'm enclosing documents in regards Experian should respond to the inquire because this alleged Debt Collector did the report to them directly without even notify me. Please look CFPB Inquire # XXXX along with the dispute debt collection letters I attach it.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (IL)

I actually just need some help understanding terms related to my mortgage 's " Funds for Escrow Items '' on a mortgage that is in existence. The property is in the state of Illinois. Illinois law states : " Sec. 5. ( a ) When the mortgage is reduced to 65 % of its original amount by payments of the borrower, timely made according to the provisions of the loan agreement secured by the mortgage, and the borrower is otherwise not in default on the loan agreement, the mortgage lender must notify the borrower that he may terminate such escrow account or that he may elect to continue it until he requests a termination thereof, or until the mortgage is paid in full, whichever occurs first. '' The mortgage actually is the form titled " Illinois - Single Family- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX '' and makes no reference to Illinois laws. It states " Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full.. '' At the origination of the Mortgage in XXXX, the down payment positioned me at 60 % loan to value. As of XX/XX/XXXX, I'm very close to 66 % loan to value ( value = purchase price ). So my question is this : Does Illinois Law Supersede the terms of the XXXX XXXX I signed? And am I now entitled to arrange to pay insurance directly to the insurer and taxes directly to county treasurer?
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (FL)

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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or 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 2019-07-08
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CT)

A year after I graduated, I was allowed to take out a tuition answer loan through Sallie Mae citing my boyfriend as the person who was enrolled. I believe I was unfairly and fraudulently targeted, not understanding that this loan was unaffordable and unnecessary. Additionally, all tuition was paid in full for the year yet I was allowed to take out this loan not being educated or explained the future ramifications of having this loan and making {$12.00} an hour out of college.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.
Consumer complaint received 2023-03-08
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

So back in XX/XX/2024 I purchased a car from this guy for XXXX and he had told me to send it to him to XXXX  so I sent it from my bank to his XXXX  account but I never received the car so I requested a refund but never got it so I dispute it with my bank and they denied it and said they didnt see anything wrong but I sent In the proof of the conversation between myself and the guy where he stated that my car was being delivered but I never receive the car or my money back
Consumer complaint received 2023-03-08
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)

XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my XXXX  Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions.

The United States Code Law 15 U.S. Code 1666b. Timing of Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Delete late payment status immediately or Please validate all late payment status within 30 days.
Consumer complaint received 2023-03-08
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. (MI)

On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, TransUnion and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2021-01-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I am writing to dispute the following information in my file. 
This account is grossly inaccurate. FIRST INVESTORS HAS BEEN PLACED ON NOTICE FOR SEVERAL TIMES FOR CONTINOUSLY PROVIDING INACCURTE ACCOUNT DATA YET HAS CONTINUED TO REPEAT VIOLATIONS AFTER LITIGATION INVESTGATION CONCLUDED & FINED. REQUEST FOR IMMEDIATE REMOVAL OF DEROGATORY INFORMATION AT ONCE. FISC LIST MULTIPLE INACCURATE PAYMENT DATES, ERRONOUS BALANCES, INFLATED INTREST & DUPLICATED FEES. FAILURE TO COMPLETE PROPER INVESTIGATION AND PROVIDE ACCURATE HISTORY OF PAYMENT RECORD WITH TIME STAMPED ENTRY OF RECEIPTS. LITGATION & COMPLAINTS PROCEEDED DEMAND FOR COMPLIANCE OF FCRA. 
This company has shamelessly shown for years the FCRA does not apply to them and should be held in contempt as they continue to take advantage of subprime customers who have had limited opportunity based on inaccurate scoring in which companies such as XXXX contribute to and prey on. 

Enclosed is a copy of the lawsuit confirming the ruling and fine of this company for knowingly providing inaccurate misleading account information. Even after being litigated against this company continues victimize customers by damaging their credit scores, implicating unjustified excessive fees and interest while creating emotional distress. I have also included their most recent dispute investigation results provided to XXXX showing discrepancies in balance, payment amount and date of which is being reported to XXXX and what is actually conveyed to the consumer. I ask that you take a stance against this company and hold them accountable to act in accordance with the law. Please delete the disputed item immediately to prevent further damage