davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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: Experian Information Solutions Inc. (TN)

I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements.

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

I signed up for the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX under a promotion - 5 % back on up {$6000.00} in purchases. Two statement periods later and the bonus cashback still hasn't been applied to my account ( the base is 1.8 %, the bonus is an additional 3.2 % ). I last called on XX/XX/XXXX, and was told the bonus was on queue and would be on my account " soon '', but that this would be " escalated ''. I attempted to call again today ( XX/XX/XXXX ), but the hours on their website are invalid, and I was not able to speak to the company directly. Citizens Bank is not honoring the advertised promotion.
Consumer complaint received 2019-04-27
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. (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX XXXX and XXXX  XXXX XXXX   XXXX put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XX/XX/XXXX 2.XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
Consumer complaint received 2022-07-25
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 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC (FL)

On XX/XX/2018 my husband and I bought a car in XXXX  XXXX XXXX. 
They run our SSN through several financial companies without our authorization, finally the only one that approved the loan was Westlake Financial Services. 
After a few days, we received the account information to setup autopay and we realized that my SSN ( XXXX XXXX ) was wrong, immediately I send them many e-mails reporting this problem and also making several calls to fix it but they refuse. 
Info : Westlake account number XXXX Our info : Main = XXXX XXXX SSN -- - -- XXXX ( reported OK ) Co-signer = XXXX XXXX SSN -- - -- XXXX ( they put another SSN ) So they never report my on-time payments to Credit Bureaus and my score shows no activity yet.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I submitted XXXX complaints to Hyundai motor finance and XXXX XXXX XXXX. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from Hyundai. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her Hyundai Motor Finance ( HMF ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While HMF is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. HMF has reviewed the account of XXXX XXXX and believes the reporting is accurate. HMF has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and XXXX, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to HMF, who will then re-open their investigation HoweveXXXX XXXXXXXX investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

The beneficiary for a wire that I sent to XXXX is complaining after 120 days that the Citibank is recalling the funds that I sent to her. I had called the Citibank over 25 times from different parts of the world costing me a lot of money and time, but I need to solve this situation. The beneficiary bank is requesting a simple letter from Citibank showing and proving that there is no pending recall so the beneficiary can use the funds. In XXXX this type of recalls can mean imprisonment for the beneficiary but Citibank seems not to understand the urgency of this matter and the need of releasing the funds to the beneficiary because I am NOT claiming the funds back.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (FL)

THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, XXXX ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2019-01-09
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. (MO)

The accounts listed below are still reporting to EQUIFAX, XXXX, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I attempted to make a transaction with my BofA debit card using XXXX as a service provider in XXXX. 

The merchant is XXXX XXXX Service provideXXXX XXXX The transaction amount XXXX XXXX pounds XXXX usd. 

The transaction was declined XXXX times and I never completed it and it was never authorized. The service provider did not receive the funds from BofA as they never received authorization. 

BofA withdraw the money from account without completing the transaction or providing authorization I have since filed a claim and they wont provide me a provisional credit or any additional information who they sent the money to.
Consumer complaint received 2019-01-09
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. (MO)

The accounts listed below are still reporting to XXXX, TRANSUNION, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Consumer complaint received 2019-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I submitted the proof that i have insurance for my house. However, lakeview Loan Servicing LLC who is the escrow agent, refused to refund the deduction which should not be supposed to do that. 

Our house loan has no escrow account and we handled our insurance. In XX/XX/2018, Lakeview Loan Servicing LLC suddenly open the escrow account and deducted {$2200.00} and deducted the amount from my back account by automatic payment. Later on, I submitted insurance company 's statement and showed them we have insurance. Lakeview loan LLC sold the loan to XXXX. Lakeview Loan LLC refused to refund me saying the account is sold and closed.

I called Lakeview several times during the past few months and they said " the check is being processed '' but i never received the refund. Attached with the doc. You can see my escrow account starting balance is - {$2200.00}.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-04-27
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. (AR)

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX & at XXXX XXXX
Consumer complaint received 2019-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (NC)

I was approved for a loan for {$3500.00} through XXXX XXXX in XX/XX/2018. My payments are {$140.00} biweekly. To date I have paid over {$1800.00} on time. However, my current balance is over XXXX which is over the amount I borrowed. I am being told that my interest rate 98 % and if I pay according to the terms of the loan, I will pay out over {$10000.00}. I want to pay what I owe plus a fair interest rate for someone with my credit profile but I am not able to comply with the current terms of the loan. I need assistance in making sure that XXXX XXXX is fair in their loan terms and updating the current terms which are clearly predatory.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

I entered into a consumer credit transaction with American Express on //. A consumer credit transaction in which a finance charge was involved. Pursuant to 15 U.S. Code 1605, the finance charge in question is not to include charges of a type payable in a comparable cash transaction, but American Express is attempting to take cash. Also, Pursuant to 15 U.S. Code 1643 ( d ), I am not liable for the unauthorized use of my credit card. The charges are unauthorized as I, the cardholder have received no benefit.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

A collection company by the name of XXXX XXXX  brought a alleged debt from sync/sync bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency
Consumer complaint received 2023-03-20
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: SUNRISE CREDIT SERVICES, INC (CA)

I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
Consumer complaint received 2023-03-20
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: WELLS FARGO & COMPANY (NY)

Good day. i was going through my credit report when i noticed an unauthorized inquiry on my report, according to FCRA Fair credit reporting act, Legally this unverified and Unauthorized items must be removed or deleted from my credit report.
Consumer complaint received 2024-03-01
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-06
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hawes Klein LLC (NJ)

A collection company by the name of Portfolio recovery brought a alleged debt from XXXX bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency
Consumer complaint received 2022-02-06
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. (OH)

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the XXXX XXXX XXXX XXXX ( XXXX ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( XXXX ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2023-03-18
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. (CA)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any consumer or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ( 3 ) INFORMATION regarding inquiriesExcept as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.