davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
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. (FL)

Experian has not held a proper investigation into several fraudulent accounts listed on my report # XXXX. They are in violation of the FCRA. I have disputed these accounts to no avail.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I advised Citibank N.A. that I would be traveling to XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX while i was out with my parents, i purchased a product and my debit card was declined, so Citi blocked it for potential fraud, I got a call and I told the rep. that the transaction was legitimate and she released the block on my card. On XX/XX/XXXX I was grocery shopping with my mother and when we reached the cashier, my card was declined. I called customer service and the rep told me that the information I gave them didnt match to the account owner. I have been the owner of the account for over 10 years. Somehow, after hours on the phone, one of the reps explained to me that the girl who helped me on XX/XX/XXXX had, somehow, without filling out any forms, changed my personal account to my mothers name- I have an interest joint account with my mother- but she was never a co-signer on my personal checking account. The reps and supervisors acknowledge the mistake made by Citi and told us the only solution was to come in to a branch. I had just started my vacations! When asked if they would subsidize the plane ticket for me and my mother to come to NY and fix a mistake their team made, the answer was no. After 3 hrs on the phone, one of the fraud dept representative told me my card would be functional and linked to my personal account which now the owner is my mother and Im a co-signer! As long as I can use my debit card. 
On XX/XX/XXXX I headed out to XXXX XXXX with my parents and my uncles, all XXXX year old. And my card gets declined at the restaurant! Again I spent avg 1.5 hrs on the phone explaining what the error Citibank rep had made and to please allow me access to my money- Today XX/XX/XXXX Im in XXXX XXXX sitting at a restaurant trying to pay the bill, my card is declined! Now Citibank decided to change my debit card to primarily work with the interest checking joint account I have with my mother!! How can they be changing all this without any authorization!? 
The amount of stressXXXX XXXX time spent on the phone, headaches, even shame Citibank has caused me during this vacation is intolerable. As per my XXXX XXXX XXXX  this trip should be relaxing and calming before I get back home- Citibank made this impossible. Ive spent around 8hrs in total on the phone with Citibank XXXX and they all come to the same answer : you need to fix this in a branch. 
Why do I have to fix an error they made!? 
More importantly, how can a rep change the ownership of an account to another persons name? Without filling out the proper forms or in compliance with regulations and standard XXXX procedures.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.
Consumer complaint received 2022-07-05
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. (PA)

Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW.

INQUIRIES ( IDENTITY THEFT ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NC)

XX/XX/XXXX I applied for an installment loan I am a resident of North Carolina and the payday loan is in South Carolina. The interest is over 400 % as I found out was illegal in North Carolina. 

XXXX XXXX XXXX is continuing to try to draft out a payment for my XX/XX/XXXX of {$320.00} daily. I have been charged over {$100.00} in nsf fees. I have been in contact with them explained that I am currently not employeed and have a XXXX XXXX so am unable to get employment at this time. Their response was oh well we are going to continue to try to draft it out until it will go through. I would like this resolved immediately due to my checking account continues to be in the negative due to them and my financial institution is stating I must contact them to stop the ach withdrawals. They are not willing to assist me in anyway as well as the interest is 400 % illegal in the state of North Carolina
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (GA)

Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against them
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

On my XXXX  credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked XXXX to remove these and they refuse.
Consumer complaint received 2019-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center (NY)

Ongoing phone calls to forgive student loan. Bogus phone number used and bogus customer service reps. Claim to be student loan center in XXXX XXXX California. Repeatedly call for information. Use one phone number on caller ID and then leave another number to call. Numbers to avoid XXXX and XXXX.
Consumer complaint received 2023-04-04
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. (LA)

See attached document 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

called now several people starting with American Express credit card ... its an XXXX XXXX XXXX XXXX for {$25.00} and not being recognized... issued for points earned from. XXXX American Express credit card purchases... Last people talked to where connected with a " XXXX '' supposedly administering the card for XXXX American Express
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

In XX/XX/2012 I was a Citibank credit card holder. Theyre online system was down, so I had to call in my payment. I asked the representative over the phone for the full amount of the payment. They told me it was only XXXX  dollars. I then asked again are you sure there isnt any extra change. I processed to inform the representative that there was an additional XXXX cents to my current bill. The representative over the phone told me No your month statement is just XXXX dollars The following month Im charged with two late fee. I call and asked why. They told me because I was short that XXXX cents. I told him what had transpired. I was arguing with this over this. I told them I wasnt paying anything at all. I again even explained to a supervisor. The last thing I heard was them hanging up on me. I refused to make payments at the moment. Its now on my credit forever. We fast forward to these day Im sending this. I get a letter from Citibank issuing me XXXX for this account. I was due to them not upholding an agreement for account payment protecting. Thats not good enough for me though as their fraud went to a new level I feel. Theyve also been having their staff set customers up by not fully paying their payments over the phone. I wasnt charged for the over the phone service because their online system was down at the time for me to make my payment. However I was charged two late fees and it escalates from there. Their staff was at fault for their incorrect practices. Again I arguing with them over the phone for months just trying to get my orginal balance back. I was taken to court over this issue. Explained everything to the judge. It was still assigned to my credit. I need help in fighting this please!
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Recently tried to open an Account with XXXX XXXX  and chex systems reported all the wrong information to XXXX XXXX  and XXXX XXXX  didnt open my Account. it is showing wealth index as " XXXX '' when I do own a property and I do have substantial amount in my Bank Accounts. Chex system is not transparent and showing wrong information to the banks. I have excellent reputation with all the Bank and do own wealth. Chex Systems is a fraud company and should be closed.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Skillman Northeast Buick GMC Truck Inc (IN)

I had a lease vehicle for 39 months with RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC in XXXX on XX/XX/XXXX and it was financed by XXXX XXXX XXXX. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the 39,254 that was allowed, back to RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC, without purchasing another vehicle. My last payment to XXXX XXXX was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped XXXX  points. Upon opening the app, I discovered that XXXX XXXX XXXX has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and I found out that my car was grounded with XXXX XXXX on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( XXXX ), someone called from RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2020, I tried to withdraw funds from my checking account with my Wells Fargo atm card, from a Wells Fargo branch ATM in XXXX, MD ( near XXXX  ). When I called customer service for resolution, I was told my card was canceled because a new card would be mailed this coming week. My current card expires XX/XX/2020 -- there is no expiration DAY. After pushing back for a resolution that would yield cash in hand that same day, I was offered a cardless withdrawal through the Wells Fargo phone app -- which I already had on my phone. However, this option is only available when there is an active card linked to the account. I was unable to make a withdrawal and was conveniently disconnected while waiting to speak with a manager. This is very frustrating for me since my card was unilaterally canceled without notification to me. During a pandemic, everyone should have access to their funds. This process is clearly  broken and creating problems where there does not/should not be any.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Thursday XX/XX/XXXX I logged into my Capital One credit accounts and noticed one of my accounts was closed. When I contacted Customer Service to inquire why this had taken place I was told that it was due to inactivity. I became very upset especially since this happened to be the oldest credit card I had and closing it would certainly have impact on my credit score.  I was then transferred to a supervisor who essentially repeated the same information. 
Of course I asked if it was possible to re-open the account and I indicated that I would certainly use it but I was told that this was not possible. 

I found this action to be extremely unprofessional especially given the fact that I have another credit account with Capital One for {$30000.00} which I use very frequently without a single missed payment. So I couldn't understand why they would close this smaller account with a significantly smaller limit of {$2000.00} and without providing any notice that this was going to take place. It became very obvious after speaking with the supervisor that this was an automatic action that takes place if a card is inactive for a certain # of months. I'm sure this automated action may seem reasonable to whomever devised this system but to not take into consideration the standing of other active accounts or consider the age of the account being closed and how it might impact a clients credit score without any notice is a perfect example of failing to provide basic Customer Service.
Consumer complaint received 2022-05-01
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. (FL)

A credit monitoring alert came that TransUnion reported a hard inquiry using my personal info such as social security number, my address, my name, date of birth, and address by online credit application at XXXX  XXXX XXXX on XX/XX/2022. I immediately called XXXX XXXXXXXX XXXX, reported it was FRAUD, spoke with XXXX in Security at XXXX XXXXXXXX XXXX. I then called TransUnion to report and remove hard inquiry from my credit report. I froze all 3 major credit reporting bureaus, and informed my local police dept in XXXX, FL Detective XXXX. I'm waiting for written copy of police report to place extended credit freeze.
Consumer complaint received 2020-06-03
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)

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-11-04
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.