davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2019-09-09
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. (NJ)

In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX   would not removed it, XXXX did remove it. And I dont know If equifax did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score
Consumer complaint received 2019-09-09
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. (MA)

I am writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Consumer complaint received 2023-03-24
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. (MO)

Unauthorized inquires on my Transunion credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (NY)

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 deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NC)

Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/2018 accountnumber : XXXX Creditor 's Name : XXXX XXXX/XXXX  XXXX XXXX Type of Industry : Women 's Apparel Address : XXXX XXXX XXXX, XXXX , OH XXXX Amount Delinquent : XXXX Payment Status : Late 30 Days Creditor 's Preferred Contact Method : Other I was affected by Hurricane Florence and out of work from XX/XX/2018-XX/XX/2018.  I contacted XXXX  XXXX XXXX  and notified them and was told that I would be placed on the financial hardship program and that my account would not be reported as delinquent. This company has threatened me and advised that there wasn't anything that they could do to resolve this matter and this is not something I am happy with seeing that I have been a customer who always paid the account off.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (MI)

had a 2yr lease w/ GMF w/ autopay. 1st pmt made at the dealer, leaving 23 in lease agmt. 22 pmts pulled correct, the 23rd pmt was cncled, GMF admits their partner, XXXX XXXX, cncled last pmt. I did not know or authorize this.
Consumer complaint received 2023-03-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (FL)

On Wednesday XX/XX/2018 at approximately XXXX XXXX  CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (KY)

Well the reason for this message is concerning a serious matter about an atm deposit. On XX/XX/XXXX, about XXXX central standard time, i deposit {$1400.00} dollars at the ATM on XXXX XXXX XXXX XXXX, XXXX, Ky XXXX. After I placed the money Into the atm I get a temporary unavailable message displayed crossed the screen. I assumed my money was deposited to my account so I decide to do another transaction and withdraw {$20.00} dollars. I received a receipt after this transaction and I noticed the 1400 from the previous transaction was not credited to my account! I immediately called customer service to file a dispute. Monday morning I went to the branch where the incident occurred and they filed a dispute. How come the branch manger didnt count the money In the atm to see they had extra money! Im sure with todays technology it doesnt take days to notice any type of technical problems concerning a banks money! So how is it taking so long to credit my account with my money? That money was for my rent and utilities bills! Now Im hit with late charges b/c of a bank I TRUSTED took my money and its concerned not taking this matter seriously! Im in danger of disconnect of my utilities and late charges accumulating everyday. feel like my situation isnt being handle in a timely manner. Seriously, like how long does it take a bank to count the money in the atm to see if they received money that didnt go into an account or wasnt withdrawal from anyone account?
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/XXXX the US Collections West client - XXXX XXXX after an onsite audit or their books entered into a Consent Order due to Trust Account Irregularities for the 3rd or 4th time in the last few years. On XX/XX/XXXX this account was sent to US Collections West by  XXXX. A collection trade line was put on my XXXX credit   report. US Collections West never sent me any initial letter informing me this matter had been placed with them and my rights to dispute the validity of the debt, nor did I ever get any phone calls from them. Even one call would have told me they had been assigned this matter.The way I discovered that XXXX had sent this matter to US Collections West was not until XXXX or XXXX of this year, XXXX, When I began to pull my credit reports because I kept getting denied for auto financing. 

When I first saw this collection record on my cbr and XXXX did I make the connection. It all became very clear when I went to the AZ Dept of Real Estate site and found the report by the auditors of XX/XX/XXXX and this was placed with US Collections West in XX/XX/XXXX. I dont recall seeing a collection record on my XXXX  or my XXXX   just XXXX.
Consumer complaint received 2022-07-27
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-27
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. (LA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/2020 ; XXXX Date of Inquiry : XX/XX/2020
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NE)

I have been trying to reach out to Equifax on numerous occasions and each and every time they have told me that I have to send in a copy of my drivers license, passport, SSN etc to validate my identity and I finally got sick of no response and I sent both a fax AND a certified mail envelope containing all of the requested documents along with a letter that explains why I want the security lock lifted from my credit report. I am sick and tired of waiting for Equifax to validate everything. Attached you will find all of my evidence including copies of the certified mail label, the certified mail tracking history, fax confirmation results and a copy of the letter that I sent with the enclosed evidence of my identity
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I received an email and then a phone call from Citibank regarding my XXXX XXXX on XX/XX/2022 that fraudulent activity was suspected. They asked me if I was using the card at the time I said no I was home XXXX XXXX XXXX XXXX XXXX which they called me on my home phone. They said they were going to immediately put a stop to my card and put it under investigation. There we're multiple charges totaling XXXX. XXXX. 
The investigator called asked a series of questions when I was at work and told her that I could not verify anything or be sure because I was at work and needed to go home and and look through my records. She made a lot of accusations she said the card was present during the fraud use and because I had a card in my possession that it was not fraud. Once I got home I called her back to verify the expiration date of the card that was used it was not the same as the card that was in my possession that apparently someone activated and opened a card with the fake expiration date and used it. I tried to explain to her I pulled up some proof that the card I had was a totally different expiration date and they are doing nothing to help a long-term good standing customer who has several Citibank accounts all in good standing with exceptional payment history and with zero balances. When I asked them to send me a statement by email so that I can see where all these charges were made where the places were so that I could account for my whereabouts and also my husband 's because she decided to accuse my husband of making the charges because apparently card was activated under an old phone number that we disconnected XXXX years ago with his name. Which he was a victim of identity theft XXXX  years ago and we are now thinking it's the same person but they didn't want to hear anything like that they just made their decision that we were liars when we are really victims of fraud! They said they are going to mail my statement but yet won't let me access it through my online account which I don't understand why they won't let me see where all these charges were made or send them to me immediately she said it's going to take a week or longer! I have filed a police report and I also consulted with an attorney and will be suing them for attorney fees. It's disgusting how they treat their long-term good customers and don't protect them from fraud. I'm going to be closing every single credit card that is associated with Citibank. I've already contacted XXXX I'm putting fraud alerts on all my credit reports cuz I refuse to let some criminal that stole my information damage my credit since Citibank is doing nothing to protect or help their good customer!
Consumer complaint received 2022-07-27
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, L ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi there, During the past couple of months, I've have faced some difficulties with my payments clearing due to me losing my employment and facing the unprecedented times with waiting to receive payment ( s ) from my unemployment claim. I opened an account with Capital One in XXXX of XXXX to build credit and I believe there is an error with there system as my three payments were returned. Two of the payments done in the month of XXXX and XXXX were returned due to delays with receiving my unemployment, which typically would have been available to cover my payments. Capital One closed two separate accounts of mine due to, " not being consistent with the expectations for account usage and violates the Capital One Customer Agreement. '' The letter is labeled, " fraud '' ; I'm not okay with fraud being labeled on any of my accounts, even if they remain closed. I outreached and spoke to two managers yesterday XX/XX/XXXX in an effort to receive assistance and was advised that they couldn't override the automated system ( s ), which I find it very difficult to believe. In my opinion, I don't believe there is anything fraudulent about trying my best to make a payment and the payment not going through. I'm not okay with being an American attempting to establish credit in a society where if I want to be successful I must have established credit. I don't think that Capital One effectively communicated with me to allow me to understand the Customer Agreement. I should have been educated on what Capital One expectations are and it's very unclear as to what their expectations are if they aren't clearly defined such as three rejected payment ( s ) forfeits all cards. At minimal I deserve to be communicated with by a Capital One representative and I shouldn't be brushed off by some Artificial Intelligence software which can't make exceptions or understand that a pandemic is going on and I'm fighting to do my best each and every day. I have several other questions, I'd like to be asked should Capital One respond. This has all occurred over the past couple of weeks.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

I went on mortgage forbearance when the pandemic first started due to loss of income from my small business. I was assured at that the time that the forbearance would not negatively affect my credit once I was ready to start loan repayment. I kept calling my mortgage company, Loan Depot throughout the initial forbearance and upon extension of the initial term to make sure that it wasn't going to hit my credit and find out when I should start the repayment process. 

As of XX/XX/XXXX, I was ready to start repayment and called in to request the repayment plan. I was told that deferment was possible and to call back on XXXX. 
Since then I called every other week or so to get an update on repayment status and each rep I spoke to kept mentioning that my application was in process and to to call back on the following week. I have documented all my call and persons I've spoken to since then. ( Pasted below ). 

I continued to call every other week since XXXX and the reps kept telling me that it's in underwriting. On the most recent call today, now XX/XX/XXXX I was told that deferment is no longer possible since it's been 18 months and that the only option is now a loan mod at a higher rate and a credit ding showing loan modification on credit. This was shocking news to me because I was told otherwise from the very beginning when I first took the forbearance and again upon extension and every single call I made through the repayment application process XX/XX/XXXX. I've essentially been put in a worse situation given the forced loan mod that I'd need to take at a higher rate, and loan mod ding. 

Call notes : XX/XX/XXXX th XXXX call in before XXXX Extension approved XXXX ID XXXX XXXX XXXX Request for extension : XXXX XXXX ID XX/XX/XXXX XXXX Number to resume payments : XXXX XXXX call in should have email spoke XX/XX/XXXX ID XXXX Name : XXXX XXXX Said that I don't make any payments until defferal is approved XX/XX/XXXX suspense account to be applied once deferred approval ( will not go to the past due amount ). 
ID XXXX XXXX XXXX Made payment of : {$1500.00} new payments confirmation : XXXX XX/XX/XXXX called XX/XX/XXXX XXXX XXXX no need to make payments yet no issues on credit. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ID XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX XXXX XXXX XXXX still waiting XX/XX/XXXX - called and said still with underwriting XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX said I need to send family trust info in XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX c/b in 5 days ( XXXX transfer to tx XXXX ) XXXX : XXXX XX/XX/XXXX Maize XXXX updating title info XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX 
said c/b XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX says c/b tomorrow XX/XX/XXXX XXXX calls back saying titles are now ok but loan defferal no longer available only loan mod at higher rate.