davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ).

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively  verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 
I demand the following accounts be verified and removed immediately. 

In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX of XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks
Consumer complaint received 2022-10-17
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (AL)

Hard Inquiries found on my credit report that are fraudulent, listed as follows : XXXX. XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Experian XXXX XXXX  XXXX. XXXX XXXX
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-10-17
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: CURO Intermediate Holdings (TN)

AD ASTRA RECOVERY SERVICE is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with AD ASTRA RECOVERY SERVICE. This is a violation according to XXXX XXXX ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for XXXX XXXX XXXX XXXX to DELETE the negative item from my credit file, immediately I demand for AD ASTRA RECOVERY SERVICE to DELETE the negative item from my credit file, immediately. I requested for AD ASTRA RECOVERY SERVICE to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding AD ASTRA RECOVERY SERVICE to abide by the law.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, there were 2 charges of {$230.00} from XXXX charged to my Citibank credit card. I immediately called Citibank to report the fraud. They applied credits immediately while it was being investigated they then charged my card back 1 1/XXXX months later. XX/XX/XXXX. I called and they said that I purchased the items and they would not credit my card. I called to speak 8 times with no progress. I found out the XXXX XXXX XXXX  and it was delivered to a different address. So they didnt even investigate.
Consumer complaint received 2019-06-26
Product: Credit card or 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: CITIBANK, N.A. (NC)

CitiBank refused ( per XXXX XXXX letter dated XX/XX/2019 ) to credit my secured XXXX account ending in XXXX for a {$56.00} charge made on Friday XX/XX/2019, for a rental car from XXXX   XXXX on Saturday XX/XX/2019. The payment was made in advance to XXXX. XXXX   XXXX refused to accept my CitiBank debit card ( although their website clearly states that they honor them, see exhibit 01 attached ) to cover their fees which totaled {$21.00} and therefore I was not able to rent the vehicle that I paid for in advance via the XXXX website. I presented my secured CitiBank XXXX to cover their {$200.00} refundable deposit which is the maximum funds allowed by CitiBank. I contacted a CitiBank representative at XXXX XXXX ( EST, see exhibit 02 attached ) for assistance in this matter ; however, they refused to increase my secured XXXX credit limit to cover the {$21.00} charge. CitiBank then refused to honor my request to credit my account for the {$56.00} charge due to the fact that no service was provided as a result of false advertising by XXXX XXXX although I was told by XXXX on Wednesday XX/XX/2019, at approximately XXXX XXXX  ( EST, see exhibit 03 attached ), and XXXX on Wednesday XX/XX/2019, that my account would be credited for the full {$56.00} ; also See NY Attorney Generals file # XXXX. In addition, I spoke with their Supervisor/Account XXXX XXXX on Monday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), who was very rude, unprofessional, and exhibited a nasty attitude when she stated that the NY Attorney General couldnt help me! She did not even take the time to review my account information. Her nasty and unprofessional attitude explains why CitiBank has earned an F rating with the NY XXXX XXXX XXXX. On Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 05 attached ) I canceled this account via telephone ( there is no way to do it online per the male representative ), and was told that I would receive my final statement via snail mail. My account is still open and accruing fees as of todays date.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

After my previous complaint American Express decreased my credit limit. They said they do a " periodic review '' of customers credit report to make the determination. I have been a member for 15 years, and have not missed any payments. I pay the account on time or before the due date. 

I checked my credit report and there is nothing on there that is delinquent.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

To whom it may concern,I have been extremely patient in attempting to work with Coinbase on many occasions (over 2 dozen phone calls and over 2 dosent emails).  My main issue in particular is the fact that my wire transfer was rejected for some reason back on XX/XX/XXXX and it said my name did not match the name on my bank acct, however this is false (I have bank wire document proof showing my name is accurate).  I received an email from Coinbase back on XX/XX/XXXX stating that "please allow us 7 business days for processing wire" back to me.  As of today it has been 28 business days (42 total days) and I am still missing $XXXX of my hard earned money.  I am asking for your assistance in getting the funds back to me.  I have called many times and never get solid information other than it has been escalated and someone will get back to me.  Based on their original "wire reversed" email it is now past the promised deadline for my money back to me.  I need assistance asap as this is a lot of money for me.  On XX/XX/XXXX I received an email from “XXXX” saying that all delayed wire transfers were in fact issued back to customers and I should have it within a few business days and he was closing my case in satisfaction, however weeks later and still no funds back to me in my Acct.  My case # that XXXX responded to is “XXXX”.  I need my issue reopened ASAP and need my money returned to me. I have all necessary proof from my bank regarding the wire if needed to be presented.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute the presence of unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered inquiries that were not initiated or authorized by me. These unauthorized inquiries are unrelated to my financial activities and should not be associated with my credit history.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I placed a freeze on my accounts in XX/XX/XXXX and in XX/XX/XXXX Transunion let a stranger create a fraudulent login to my online account despite the freeze. This person was able to go as far as to create security questions and emails that would prevent me from entering my own account - despite that I had placed extra security measures on my account already. When I tried to handle this, they would not provide me any information as to how this occurred, or any information about what this fraudster had done with my information.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

XXXX Mortgage made an error back in XX/XX/XXXX when it paid taxes to XXXX XXXX using applicant 's Escrow Funds. Taxes should have been paid to XXXX XXXX XXXX where property address is located XXXX XXXX TX XXXX ). 
Taxes were incorrectly paid to property address : XXXX TX XXXX by XXXX Mortgage using applicant 's escrow funds. This property address belonged to applicant but that was sold back in XX/XX/XXXX. This property was purchased/owned under the maiden name. 
XXXX XXXX XXXX XXXX confirmed that a payment was made by XXXX Mortgage. XXXX XXXX XXXX XXXX XXXX confirmed that overage payment was made by XXXX Mortgage. The new property owners also paid tax payments on that property XXXX XXXX TX XXXX ). There is now overage in payment to property XXXX TX XXXX. 

Please see Deposit No : XXXX ( Freedom Mortgage ) for the XXXX XXXX Tax Receipt. Attached are both receipts that confirm there was payment made to wrong property address that is not owned by applicant. This property address belonged to applicant and was sold on XX/XX/XXXX. Both parties XXXX Tax offices XXXX informed applicant that XXXX Mortgage would have to apply for refund of this incorrect payment, as they are not able to refund to the applicant since she did not make disbursement. 
Please see account XXXX : XXXX that was associated with applicant 's for the property of XXXX TX XXXX. This is currently affecting her Escrow analysis and has placed applicant 's in an overwhelming debilitating financial situation that may foreclouse her home when she can not meet new mortgage payment. 
Please see attached receipts ( Spring Branch XXXX XXXX XXXX - {$4700.00} and XXXX XXXX XXXX XXXX XXXX XXXX Assessor {$4400.00} ). For a total of {$9200.00} multiple phone calls and converstations with Tellers from XXXX Mortgage have been made : Faxes producing Deliquent Bills from XXXX XXXX were sent to XXXX Mortgage on XX/XX/XXXX and XX/XX/XXXX. 
Letters with Tax receipts from address XXXX TX XXXX were faxed to XXXX Mortgage on XX/XX/XXXX. 
XXXX XXXX ID XXXX Geovana Teller ID XXXX XXXX XXXX supervisor ) Teller ID XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am being violated as a consumer, my child support is showing as a collection on my Experian report, but I have never been late, and all the other bureaus are showing I have never been late I don't know where Experian gets this info from. I have tried fixing this error numerous times. How can this be a collection and current? Experian is not checking with the furnisher as they should. Experian responded in the last complaint that they did which is a lie because I reached out to the furnisher, and I'm told to dispute with Experian
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (TX)

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. ( XXXX  XXXX XXXX  XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 3. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (IL)

Ambulance bill was handled by insurance company. Have been trying to dispute information from the credit bureau 's but have been unsuccessful. Insurance company handled bill. Instead of removing the collection off credit report the credit bureau 's just removed the amount owed on one report and left the collection open.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

As of XX/XX/XXXX my XXXX account is still being reported late on my Experian credit report from XX/XX/XXXX- XX/XX/XXXX. On my XXXX credit report the same account is being reported as ok. If they are pulling from the same creditor how is it that the information is being reported different. On my XXXX report it is not being reported at all.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was told that once I paid the settled amount for this account that it would be deleted from my credit report. I have paid this account off. Also, they are reporting inaccurate information on my credit report because the date of last activity is not reporting correctly from all three bureaus. According to 15 U.S.C. Section 1681, these companies have violated my rights. 

XXXX XXXX Account Number : XXXX