davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (CA)

I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 13. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 14. XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or XXXX permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to XXXX and XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-04-04
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. (PA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXX UT XXXX XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (TX)

I have and apple credit card, and for the past few months when i have used any of my apple devices to purchase a 1 game, they would double charge me. I have called in several times and they claim it was group billing and I made the charges. I advised them that I check my purchases every day and document each purchase but they claim thats how their system works. I decided to start using my other devices that are not apple and make my game purchases that way. I do not ever get double charged. On XXXX i checked my apple credit card balance, as i usually do and it stated that my balance was XXXX, including 3 game purchases made on my apple device on XX/XX/. I have cash back on my apple credit card and i was trying to use that amount to purchase 1 game that cost XXXX, and then i got a notification that apple charged me XXXX. Before i called apple, i added up all my charges including the balance from my last credit card statement and they all add up to XXXX. I called apple on XXXX and advised them once again, that i made 1 purchase and i was charged XXXX, when i was trying to use my cash advance. They stated that its group billing from the previous days charges, and i explained that, my card shows that amount already deducted. The proceeded to tell me that I needed to remove the game because the game is the issue, when i can use another device thats not apple and i dont double billing issues. I advised that they need to credit me back the double charge and they put in a request, well the request was denied. In the past when they were double billing me, i let it go, and in the past i ended up paying an extra XXXX that i didnt owe but i paid it. This me I am no letting the issue go, i want my refund of XXXX cents that apple owes me. Currently, I will either buy an apple gift card or only use apple for store purchases/bills because thats the only time i dont get double billed, but if i am purchasing an online game using an apple device, i get double billed. I have started making screenshots of my apple balance before i make any apple purchases because Im afraid they are going to continue to double bill me. I would like this addressed immediately.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

Hello, I have a credit card from best buy for a couple of years. Any time I go purchase anything, best buy always promote a 0 % financing. They do not say it will be deferred, just that the client has the option to pay it off earlier without penalties. 
Last year I had the same issue with best buy, however I was able to catch it early. They charged my account with over {$600.00} in interest in just one day without no mail or alerts. Since I had already other charges there, I requested them to send me alerts and change my paperless setting to domestic mail. I do not even recall requesting my mail to be paperless. 
They never changed my settings to domestic mail and soon enough I got charged again. Worst part is that I actually did not catch it as early, as soon as I saw I tried to contact them through the chat option on the website. I believe that was my worst mistake. It takes forever with the back and forth as they do not have someone live to speak with you. Due to family emergencies, I did not call them and was able to do it today. Trough the entire conversation they showed no help, all XXXX could say is that he could not do anything. Then I asked to be escalated and the manager said all she could refund me was {$40.00}. The first charge I had was on XX/XX/2023 for XXXX, then in XXXX an additional XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX. It is a total of XXXX however all they say they can pay back is {$40.00}! Which is a shame as I was never notified. Credit card companies always tend to take the most out of their client, it is a shame that a company like Best Buy is trying to take advantage of their clients with such a shameful move. No credit card company should take advantage of their clients, alerts and statements are here for that. It is a shame what best buy is doing and how much they wish to charge without thinking of how it will impact an household. The question to be asked is, does best buy actually care about their customers or they are just one more company misleading people through their advertisement?
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I have been a customer with Wells Fargo for almost 20 years, since I graduated from high school. To reward my being a loyal customer, they have taken illegal overdraft fees from me. They reversed a provisional credit on my account after I made a justifiable claim against another merchant. During the 3 months of an " investigation '' that they claimed they did. They chose to side with a the airline that is worth billions an airline, that was charged with illegally neglecting clients with XXXX and special needs by the department of transportation. An airline that treats staff like trash. 

They took advantage of a loyal customer that has put up with their flagrantly shady and despicable illegal behavior for many years. I had careful documentation and proof of the claim made against XXXX. They never asked for any information, that I had to prove why I made the claim. They called me once..then said their decision, was based on paperwork submitted by the airline/ merchant that I filed the claim against. 

When I asked several customer service reps why, Wells Fargo claims specialists reversed the provisional credit, they said their was no reason why.. It was a different story each and every time, I spoke to someone else.They garnished my two weeks worth of work, paycheck. Since 2019, I was the main caregiver for my elderly mother and aunt. They were sick with XXXX XXXX XXXX, XXXX and XXXX.. I lost employment, because I was their man caregiver. 

I explained all of this to Wells Fargo and XXXX on WHY I missed my flight, and why I needed the money back from the missed flight, if they did not want to rebook me on another flight. Wells Fargo responded by reversing a " provisional credit '' Without even completing an investigation FIRST. They then charged me XXXX in overdraft fees... 

Then they had the audacity, to contact me about " protocol '' that was followed. These thieves were lecturing me, about the legality of their protocol .... The shoddy excuse of a company, that was just ordered to payback billions for the lives they have ruined. I was left in a terrible position... I felt like I had hit rock bottom with these cromagnon charlatans and thieves. 

Because of the current lawsuit that they now have to pay out for, they are doing EVERYTHING they can to recoup financial losses from wherever. They don't care if your claims are founded or if you have justified reason to take action again merchant 's. 

I suspect their CEO and managers has given them strict orders to reverse provisional credits and get overdraft fees where they can, as to soften the financial hit they will take with this current lawsuit.
Consumer complaint received 2023-05-11
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-02-11
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. (NV)

I recently checked my Consumer Report and noticed that a change was made on my report. It states that XXXX XXXX XXXX was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX defaulted on my American Expresss Charge Card with a balance for {$24000.00} due to unforeseen family circumstance. I Contacted American Express to work out agreement before default to turn the account into a revolving credit card due to my other account with them and excellent payment history. If approved I would have been able to pay card the off without any default in a timely manner. They rejected the proposal so in turn creating a default. There was a special feature on the account that was at the time called Pay Over Time which allowed some balance to be carried forward. I was able to pay the account completely off however American Express placed on my credit report with the three Credit Bureau 's XXXX XXXX, XXXX, and XXXX Paid Charge Off in turn lowering my credit report by thirty points and stays on the report until XX/XX/XXXX. I would accept this whole process due to the fact we had an agrement on the terms of this credit card. However on XX/XX/XXXX American Express sent me a check for {$2700.00} apologizing for incorrectly charging interest on the Pay Over Time feature on the account. So I imediately reached out to American Express to let them know that this is not a simple step to reiumburse the interest, they also have to remove the deragotory reporting from the credit bureau 's because technical how can there be a default if you don't know whats owed and being over billed. Currently there has not been a resolve to the removal at the time of writing this complaint.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (TX)

I have a checking account with Upgrade Inc. On Friday XX/XX/XXXX, I requested a wire transfer. I received the confirmation call for that wire transfer request on the same day at around XXXX XXXX After the confirmation, I was told that the transfer would happen on the same day. Upgrade Inc did not complete the transaction on that day. 

On Saturday XX/XX/XXXX, I called the company and I was told that the transaction would happen on Monday XX/XX/XXXX as the next business day. 

On Monday XX/XX/XXXX after I waited for hours for that transaction to happen, I again called the company and filed a complaint with them. Again, the customer service verified that the transaction would be completed on that day. 

I am filing this complaint on Tuesday XX/XX/XXXX, and I am still waiting for the wire transfer to be completed. 

Upgrade Inc held onto my money without letting me the reason for that. The company failed to communicate well with me, told me several times that they would complete the transaction on the same business day which never happened. This lack of communication, lying several times to me, and hiding the real reasons behind the delay caused me financial and emotional burden.
Consumer complaint received 2024-03-04
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. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (AL)

I XXXX XXXX have asked Westlake Portfolio Management of Verification from a supposed debt. I've got a few calls from them and I was a little confused on the issue. I was supposed to get a verification letter from Westlake on the first week XXXX " within 24hours after the call '' that was explained to me. I have never got that information at all. Within the end of that month and also on XXXX I have got a lot of unwanted calls and email 's stating that I need to pay the bill. Also on XX/XX/2023 I have sent Westlake Portfolio a Verification letter. The letter specify what verifications needed to show proof of debt and also states that Westlake Portfolio Management should not call unwanted times to my home nor should they call my job. The letter also states that Westlake Portfolio Management should only give me the information that I'm asking for through my email only. After I have sent the letter to Westlake, In XXXX I have still got several unwanted phone calls to my home and a couple of calls to my job that was embarrassing. I still continue to get emails to pay my bill. Westlake Portfolio Management sent a response but they only sent me a copy of the past loan company that had my loan. I was told from Westlake Portfolio that they were just monitoring the account. But when I checked my credit account I show that the account was transferred to Westlake Portfolio. So I don't know why I'm being lied to. To this day Westlake Portfolio did not give me what I have asked for. Also I have a credit report from Westlake Portfolio on XX/XX/XXXX, I got the copy of my past loan company on XX/XX/XXXX. On my credit report it shows that I owe {$5700.00}. But Westlake billed me at {$6000.00}. I also asked why did they bill me for the extra money. 

I have sent PDF paperwork to show what Westlake Portfolio Management have given me.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Southwest Credit Systems, L.P. (CA)

I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2019, my checking account and savings account had multiple unauthorized transactions originating in XXXX. The total amount that was withdrawn at a bank teller without my authorization amounted to {$3400.00} in my checking account and {$1700.00} in my savings account, combined total {$5100.00}. Suspecting fraudulent activity in my account, I reached out to Bank of America the very next day on XX/XX/2019 and setup a claim/complaint with them. 

As per Bank of America 's advise, I had my savings/checking/debit card which had these transactions immediately frozen. Bank of America informed me that they would investigate the claim and get back to me within 60 business days. I followed up weekly with Bank of America to understand the progress and also if they needed any information from me. Bank of America didn't request any additional information from me. After 60 days on XX/XX/XXXX they sent me a letter indicating the claim has been denied. 

Considering these transactions occurred at a Bank Teller at different branches of Bank of America, per the transaction ID, I was hoping Bank of America would retrieve video footage at these locations and identify the source of the fraudulent transaction. But this seems to have not occurred and instead the bank rejected my claim indicating PIN was used for this transaction.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stein Law, P.C. (CO)

I received a revival of Judgement, from XXXX XXXX XXXX XXXX, XX/XX/XXXX, for a judgement XXXX for {$1200.00}. XXXX XXXX XXXX XXXX XXXX, filed the complaint pursuant of Judgement for $ XXXXthe second page, asked about my vehicles, a strange woman showed up at my XXXX residence XX/XX/XXXX at XXXX XXXX asking about my vehicle that is parked in her yard. 
This XXXX XXXX is threatening to take and sell my vehicles for some debt revival