davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (MS)

Called companies Macy & XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX/XXXX  about incorrect information and fraudulent activity. Called XXXX about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dispute is two fold : 1. Problem with being overly charged by a Rental Car Company in XXXX. Original agreement was for car rental at {$230.00}. Rental Car Company submitted a bill for {$2100.00}. So from {$230.00} to {$2100.00}. 
2. Insurance provision of our agreement with CapitalOne is that if we use their card for travel expenses, car rental, etc., they insure the vehicle. The estimate provided by the rental company, that I initialled at the counter was {$1500.00}, however it was a plastic snap on bumper. It is not possible that that bumper cost {$1500.00}. The vehicle was returned not because of the bumper, but because it had mechanical issues ( stopped on the highway without warning, entire dash lit up and the car would not go ). It was a danger to me and my passengers. I was forced to return it to the car rental place and obtain another. I had been at a wedding in XXXX and really had not used the car that much, but once we started off to tour the country, we had all sorts of mechanical problems. It was unsafe. The Rental Car company added charges not authorized including a vehicle upgrade, transfer of fuel charges, and other misc items which were not approved by me and not proper. I disputed the charge with CapitalOne and the rental car company immediately -- it was removed as a disputed amount pending a response from the rental car company. However, without contacting me and without a response from the rental car company, CapitalOne reinstated the full charge of {$2100.00} on my account. I contacted Customer Service again who advised they me they had not heard from me so they reinstated the charge on my account. However, that was not true. Once it was cleared up that my response was submitted, but the car rental place had not responded, I was assured CapitalOne would remove the charge and reinstate it as a disputed amount. I was also assured I would not be charged additional interest on this, nor would their be a negative report on my credit. I have excellent credit. A week or so later, CapitalOne still had not removed the {$2100.00}. I called again and spoke with another representative, XXXX, employee no. XXXX who was extremely aggressive and very rude and basically declined to do anything for me. XXXX suggested that I pay the bill in full and just wait to see if we heard from the rental car company and for the insurance claim provision of the charge to be paid. This was a complete about face and not proper. To date, none of that has happened and the disputed amount is still on my account. No response from either the rental car company, nor CapitalOne 's insurance division regarding paying for the damage under the insurance provisions of my agreement with them.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (WA)

ServiceMac Company is collecting escrow for an estimate of property taxes. 

My home is a new construction and was not complete in 2021 so I am being taxed on the property value only which is around {$1300.00}. 

But the company continues to collect escrow for the higher amount estimated. 
I have contacted company 5 times by phone and email and being told different things by each person. 

I have clearly sent them all information and requested the amount be adjusted and corrected and that they are over collecting almost {$6000.00}. 

They say they will look into it and nothing has been done for months and now they say to contact the tax office. I have done this already and they have nothing to do with escrow collection and that needs to be corrected by the company. 

They are refusing the correct the escrow amount or give me a refund for the severe over collection. 

I keep getting passed around to a new person who says to talk to the next person or asks me to re-explain everything over again. 

All that has to be done is refund the over collection and adjust the escrow to match the correct tax amount but they are not doing this and keep passing me around.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (OH)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-12
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. (GA)

Trans Union has continued to ignore my request to block fraudulent inquiries. Someone has been using my information to apply for credit without my consent. I have taken the necessary pre-caution and asked for a fraud alert but it has not been very much help. Ive sent several letters to Trans Union with a copy of my identity theft affidavit and Trans Union has not helped remove these inquiries. These inquiries are fraudulent and need to be removed immediately.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account ( XX/XX/2017 ) due to fraud. After the investigation I was told that it was indeed fraud and a no fault to me. However I have been placed in XXXX and XXXX XXXX XXXX because of this.
Consumer complaint received 2021-11-12
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I submitted a CFPB complaint against Experian ( XXXX ) and the agency 's response does not address the issue. On XX/XX/XXXX, Experian communicated to the CFPB they were " still working on the issue '', while the agency corresponded to me by mail on XX/XX/XXXX suggesting " accurate information could not be removed '' ( see attached ), Why was this correspondence not provided to the CFPB? On XX/XX/XXXX, Experian responded to the CFPB complaint suggesting the public record in question was verified by a third-party vendor, but NONE OF THE CORRESPONDENCE FROM EXPERIAN TO DATE ADDRESSES THEIR UNLAWFUL ACTIONS IN THE COMPLAINT. 

I am submitting FACTUAL, RELEVANT information to support their continued INACCURATE and UNLAWFULreporting of a public record on my consumer profile. The continued lack of acknowledgment and the correction or deletion of this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). Specifically, which court provided Experian 's public record vendor the verified results, was it U.S. BANKRUPTCY - CENTRAL DISTRICT or Us bkpt ct ca XXXX XXXX? They are BOTH listed as the source of alleged verified public  record on Experian 's reporting platform as of XX/XX/XXXX ; several months after the alleged investigation ( see attached ). 

Additionally, Experian has a fiduciary obligation to not only verify disputed information with the original source but to go beyond the original source when reinvestigating credit report inaccuracies ; not a third party vendor. This precedent was established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at XXXX ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.
Consumer complaint received 2023-10-01
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. (GA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (DC)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid 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. (FL)

I received a notice that my Sears Mastercard would expire XX/XX/XXXX so I stopped using it before that date. On XX/XX/XXXX I received a test message asking if a charge on the card ( now expired ) was mine. I checked no.. A strange number called me claiming to be the fraud dept. I did not speak with them. I got my card out of my wallet and called the number on the back. They said they would remove the charges. Later I checked and there were more on my account. I tried online to mark them as fraud but their system wasn't working and said to call so I did. When I checked again the charges were still there so I emailed them on their secure email in my online account. I then got a letter in the mail saying the charges were all mine. THEY WERE NOT! I corresponded again thru the secure online. And AGAIN EACH MONTH AT LEAST ONCE A MONTH SINCE THEN. Now the letter says I have to detail what are not my charges but all of the history has been removed from my account. I can not see what is left and what was removed. I have requested this info thru the secure email with no response. They say they will send me new cards. I STILL HAVE NOT RECEIVED THEM! And the funny thing is, the LAST TIME my card expired this VERY SAME series of events happened. I want a detailed listing of XXXX and XX/XX/XXXX invoices and I want a list of items removed. I want interest and items still in dispute removed ... ..wish I could SEE what they are online. And I want my new cards. ( And with a different number - Last time, they sent the SAME number with a new expiration on a compromised acccount. They tried to say the cards were stolen. They were not either time. I have them ALL. Do they do this scam to everyone? This is the second time for me. Sears Mastercard XXXX XXXX XXXX XXXX XXXX XXXX REFER TO PREVIOUS UNRESOLVED COMPLAINT XXXX. I have started contacting this company on XX/XX/XXXX when I contacted the fraud department about charges made after the card expired XX/XX/XXXX!!!! I contact them monthly and finally got a response today off YOUR website in the form of attachments. All the company did was send you this. Nothing was done about the fraudulent charges nor interest. I am getting ready to make my final payment and the amount is WRONG! They did this same thing to me in XXXX- see my compliant from then too which was finally fixed. Same deal - expired credit card and fighting for months.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (GA)

XXXX is reporting false and inaccurate information on my credit report i I request a credit report from esperian and notice discrepancies. Eventhough XXXX has removed such inaccurate infor XXXX  refuses to and also refuses to supply me with documentation of proof of such accounts such accounts as XXXX credit card XXXX credit card XXXX credit card and XXXX credit card which I never authorized
Consumer complaint received 2022-05-18
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. (NY)

XXXX XXXX XXXX XXXX obtained a debt from XXXX XXXX  that was fraudulent and since been removed from my latest report, But the collections account that is appearing on my report is due to the fraud that occured with XXXX XXXX  and it shouldnt appear on my report Account details XXXX XXXX XXXX XXXX {$610.00} Open balance 12 XXXX XXXX  Original creditor Opened XX/XX/2021 ( 9 mos )
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (FL)

Over several day of applying for a personal loan, I got a phone call from a guy that said his name was XXXX from lending point. After a few hours of going thru everything he said I got approved for a XXXX loan. He contacted me and said he needed to verify my bank account. He kept me on the phone as this was going on. I got Leary if the way he was trying to verify the account so while on hold I searched the company name online. Everything seemed legit, the name, the reviews were ok, he even sent like a contract thing to me with the company logo and it matched the website. I gave permission to verify my account, he was depositing money in the account and I was to verify the amounts and send back which I did they Cashapp. While reviewing my account the same amount was deposited again. I called him and he stated that his college had sent the amount back to my account on accident so I returned it to him again thru XXXX. When I returned it he said to send it to a XXXX XXXX, which I did. After he said it was all verified he said he would have the paperwork done and money deposited in my account within the hour and we hung up the phone. I checked my account again after about a half hour and there had been XXXX more deposits of XXXX and XXXX of XXXX. I immediately contacted him and told him to stop everything that I was very uncomfortable if that kind of money going thru my account. He said it was a server error that they were working on and give him some time to get it fixed and that all that would be erased as if it was never there. While I was waiting on all that to clear up I decided to check the phone number he called me from against the phone number online to the lending point, they did not match so I called the number on line. A lady answered and I asked to speak to XXXX, she said I'm not sure if there is anyone here by that name and put me on hold. When she came back she asked what he was helping me with and I told her he was helping me with a loan that he was verifying my bank account and was to get back with me and I had not heard from him in over an hour or so at that point she told me that they would never ask for my bank account information at all so I knew then that I had been scammed I immediately got off the phone contacted my financial institution told them what was going on and then I contacted cash app and reported that money being transferred as a scam they are investigating as of right now and my financial institution had me change my online user ID and password and issued me another debit card. That was the last time that I heard from anybody I contacted the guy XXXX a few days ago and told him I wanted my money and he hung up on me all I have for him is a phone number and the false information that he gave me
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with Experian Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from Experian and a credit card account continues to remain.
Consumer complaint received 2021-11-12
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: WELLS FARGO & COMPANY (OH)

I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.