davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MD)

A third party debt collector has been attempting to collect an alleged debt after I have already drafted a cease and desist letter. We have never been in any fiduciary relationship. They continue to call all hours of the day and night.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

Whom ever rendered these services was not I XXXX XXXX!! Never had this service and or authorize any services for another party! This has hurt my credit score dramatically, and also my trying in other endeavors as of car purchases and credit building credit cards, ect.. please help remove these fraudulent statements on my transunion credit report!!!
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Navient does not make IMPORTANT information available - it's not available through their website, they do not send me mail or email, and they do not call me. As you can imagine, I was surprised when my Income-Based Repayment plan expired and I received a loan bill for more than half of my monthly income. It turns out that you are supposed to renew IBR plans every year, but I wasn't informed that I needed to, and I didn't know that it had expired until the bill had arrived. Navient gets the benefit of capitalizing unpaid interest on my loan and ultimately costing me more. It's disgusting that they're still doing this after multiple lawsuits were filed ( regarding the same behavior ).
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX  male  customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX  on XXXX people. You cant win, even with timely payments and a XXXX  balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example. 
I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX. 

Respectfully,
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

Yes I opened a us Bank account for my small business. I had heard someone to keep track of business funding so I added them to the account well they set up direct deposit through XXXX  on their own and then when I asked them to provide proof of hours work they still made sure that deposit went through of over XXXX  bucks. I contacted the bank US Bank and was pretty much told it doesn't matter they couldn't help me. I feel like due to this they unjustly shut my account down which now I owe them money. I don't see how this is a fair practice for a bank to close your account after you report to them that the direct deposit was fraudulently made. As you can see with this attachment I contacted US Bank on this matter and this is their response
Consumer complaint received 2021-12-01
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I tried purchasing a regal gift card online through the XXXX gift card shop. I tried using my XXXX cash back visa credit card ( synchrony bank ), but when I clicked submit payment, the website told me that my credit card info was entered incorrectly and to try again. I tried XXXX times and it would not work, so I tried a different credit card and it accepted it the second time I entered it. I thought I was only purchasing XXXX gift card, but I discovered a few hours later that the XXXX website had charged me each time it told me that my credit card info was wrong and to re-enter my information. I was charged XXXX times for the same purchase and I did NOT consent to buying the same gift card XXXX times. I only wanted to purchase XXXX gift card and ended up with XXXX, XXXX of which I did not consent to. I then cancelled my credit card and called the XXXX XXXX XXXX ( XXXX ) and spent XXXX minutes on the phone with a woman named XXXX. She said she would file a charge dispute for all XXXX charges with the reason being " double charge ''. I asked for a case number and she told me they don't have case numbers. The only info she would give me about my case is that her name was XXXX and the disputes were processed at XXXX ( Texas XXXX. On XX/XX/XXXX, I receive an electronic letter from XXXX saying they are reviewing my claim. XX/XX/XXXX, I receive an email saying my statement is ready and all of the charges are back on my statement and they are saying I owe them {$840.00} even though I disputed all of these charges and they can not legally make me pay this when I have a case opened against them. I tried connecting to the live chat XXXX minutes ago and a live agent claimed they were going to help me, but then they abruptly ended the chat. When I tried connecting with an agent again, the automated chat bot told me no one was available. When I try calling the regular number, it tells me that there are no employees in office due to XXXX and to talk to the automated chat bot online for further assistance. This entire company is a scam and fraudulent. 

All XXXX transactions occurred on XX/XX/2021, but the credit card says the transaction date and post date are XX/XX/2021 Reference number for all XXXX transactions are XXXX & Description of all XXXX transactions are XXXX XXXX XXXX XXXX ME XXXX charges of {$160.00} and XXXX charge of {$160.00}. I had changed it to {$160.00} thinking the website didn't like the XXXX cents on the charge The company has not tried to solve my problem and instead has made this extremely difficult to even talk to someone that can help me. Now they are trying to illegally collect money from a charge that was fraudulent because their website was charging my card without my consent.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX  XXXX  id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report.
Consumer complaint received 2018-04-07
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: EQUIFAX, INC. (NC)

I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... ... XX/XX/XXXX I never applied for any XXXX XXXX cards at any of my old addresses ....

I had just a car loan from XXXX XXXX ... .and never missed a payment.

I have 2 XXXX XXXX cards at this moment in good standing and just received a credit line increase.
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: EQUIFAX, INC. (NV)

The credit bureaus stated XXXX XXXX XXXX XXXX and 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 was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Hi was victimized a week ago through my bank and XXXX account I received this text : from Wells Fargo fraud protection asking me if I set up a transfer for {$3500.00} to someone. 
After responding now they called me telling me that I was transferring {$3500.00} over from my cell account to someone name XXXX they then had me at myself as a recipient so that I could reverse the charges. 
I sent {$500.00} seven times, I was caught off card, But within 20 minutes I realize what I did and called Wells Fargo I also attempted to call XXXX, but they said I had to go through my institution. No one can seem to stop this transfer although it just had happened. 
They have been in contact with a third-party institution where my money went. They are claiming because I did it myself that I am not covered by FDIC. 
This is heartbreaking & devastating, I am a single mother and I am working extremely hard for my money to provide for my kids, and this is a huge loss for me. 
I would think that the bank/XXXX Clearly knowing the fishing scams that are out there, Would flag transfers of {$500.00} being sent every 30 seconds!! 
I Would expect that I would be protected by fraud by my institution that I have been a patriot for so long!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit bureaus stated XXXX XXXX XXXX XXXX and 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 was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2018-02-10
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)

There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BLINCLOANS, INC. (TX)

In accordance with 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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank has not transferred {$3400.00} to my checking account after repeated calls and their assurance that the money would be there " tomorrow '' and it has not yet been transferred. 

The attached document explains all that has transpired.
Consumer complaint received 2021-12-01
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. (CA)

In XXXX, I opened a personal loan for {$4500.00} with XXXX  XXXX XXXX. In XXXX, I had that same loan with XXXX XXXXXXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX XXXXXXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact Hawaii XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXX XXXX do this to keep the negative account information " fresh ''?
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (TX)

Over the last 6 months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, Equifax, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (GA)

I recently received a {$100.00} settlement check from Citibank. This check was a refund for the credit protection plan that I purchased. When I tried to use the credit protection plan, i was denied. This denial has cost me thousands of dollars and a lot of stress. It ultimately resulted in garnishment against my wages. I do not want to accept this settlement, which looks as if it was initiated by CFPB. I have contacted a lawyer and we need to know if this settlement is my only means of recourse -- i.e. can I bring about a lawsuit on my own. 
I have not and will not cash that small sum. The shame, embarrassment, strife and stress that has been caused in my life are worth more than a {$100.00} reimbursement of payments made. 

After being denied usage of the consumer protection plan that I paid for -- for years, I contacted a credit counseling agency. Every credit card I had accepted the arrangement -- except Citbank. As noted on the attached file, after contacting consumer credit counseling, I made payment arrangements with Citibank. Instead of those payments being applied to the account ... a partial deferred action was placed ... so I was paying {$300.00} plus a month and nothing was being taken off of the account. I fell behind and couldn't pay.
Consumer complaint received 2022-01-15
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. (NV)

Transunion has inquires listed on my report and I never applied for credit. I have tried in good faith on numerous occasions to mitigate this issue which has irreplaceable damage to report and job opportunities. 

Below are the inquires on Transunion that I did not apply for and need to be removed immediately please : 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