davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I found out yesterday ( XX/XX/year> ) while trying to withdraw cash from an ATM, my checking account was blocked. I called the bank number that was otherside of my ATM/Debit card. They dod not give me any information except to say the account is under review. I visited branch this morning ( XX/XX/year> ), saw the branch manager but he could not tell me why was my checking account blocked.
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (MI)

I purchased two vanilla gift cards with {$460.00} each for the purpose of paying my rent. The card stead that I could use the cards anywhere a visa logo was accepted however after purchasing it the card would only decline. I reached out and they said it would only allow some merchants and that although the wording on the package said " everywhere Visa is accepted '' that that was not true. They said I could get a refund and then did not tell me that I needed to send in documents to request it via letter. They are refusing to give me a refund and are only giving me the run around.
Consumer complaint received 2018-10-25
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: JPMORGAN CHASE & CO. (NJ)

I purchased a product from XXXX  and I never received the product, Chase is accepting a fee of {$150.00} for return freight not credited back to me, I never asked to have it returned nor did i sign for it. The XXXX website even states clearly return freight is not allowed.
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc. (CA)

I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. 

They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. 

They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. 

I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. 

Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. 

Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. 

Best, XXXX XXXX.
Consumer complaint received 2021-03-04
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: EQUIFAX, INC. (OR)

On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.
Consumer complaint received 2022-11-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D. SCOTT CARRUTHERS (CA)

This morning a make person came and knocked at my door asking for My daughter. I advised the person she does not live here. Then he asked if XXXX XXXX lived in the property. This person has called me and my husband harassing and trying to get information concerning XXXX. This has been going on for while. Ow they driving in my private property and knocking at my door. THIS IS HARRASMENT. I have told them before and does end.
Consumer complaint received 2018-10-25
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: CORELOGIC INC (AR)

I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed.

1. XXXX  Auto XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. XXXX XXXX JXX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. XXXX /Airlines I did not apply for this, I don't even fly.
Consumer complaint received 2023-03-21
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. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove thank you.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (MA)

Assocciated Credit put a debt on my XXXX  credit report ( # XXXX ) with out verifying the debt is mine. I do not owe this debt, and dispute its validity. 
I have never done business with this company
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX 2020- An unauthorized transaction of {$1000.00} was removed out of my account. My email was compromised. I've been a victim of identity theft. My email was logged in with different IP Addresses. 
I submitted a police report the day of the activity. USAA denied my fraud claim when providing evidence of fraudulent activities to my account .... 
The Fraud Department failed to provide me with any paperwork of any sort stating my claim was denied. I was told by the bank I can't appeal their decision.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

Dear CCS Collections/ Sir/Madam, THERE ARE 2 ACCOUNTS UNDER MY SSN AND NAME that i'm not aware of and no prior knowledge. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
2. The legal basis for collecting this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. A full account history, including all related charges.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

Dear XXXX XXXX XXXX THERE ARE XXXX ACCOUNTS UNDER MY XXXX  AND NAME that i'm not aware of and no prior knowledge. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : XXXX. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
XXXX. The legal basis for collecting this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. A full account history, including all related charges.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

I made a payment of XXXX to pay off my card, it was cleared through the bank on XXXX and has not been credited to my account. I have called XXXX times trying to get this resolved and all they do is transfer me multiple times and then hang up on me.
Consumer complaint received 2021-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

On XX/XX/2021 I wrote Great Lakes about the student loans that are on my credit report. The letter was regarding account # XXXX, which you claim that I owe {$74.00}, XXXXCOMES NOW, XXXX XXXX XXXX XXXX, herein after Affiant. Affiant is competent with sound mind to state to the matters included in this Affidavit and has first hand knowledge of the facts, and hereby declares to the best of Affiants knowledge and belief that the statements made in this affidavit are true, correct, complete, not meant to mislead and tendered in accordance with the Maxim of Law that provides that Truth is expressed in the form of an affidavit. An unrebutted affidavit is presumed to be true. Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each point, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and judgment against in this action and demand to dismiss with prejudice nunc pro tunc. 
FACTS 2 It is a fact, the Affiant is a natural consumer identified is 15. U.S.C 1692a ( 3 ) 3 It is a fact, the GREAT LAKES is a debt collector pursuant to 15 U.S.C 1692 ( a ) 6 and 15 U.S.C 1692j ( b ).

4 It is a fact, the Affiant is the creditor pursuant to 15 U.S.C 1692a ( 4 ) 5 It is fact, GREAT LAKES has violated several federal laws listed under the Fair Debt Collections Practices Act and Truth In Lending Act 6 It is a fact, verification for alleged account # 03-5080452 has not been satisfied pursuant to 15 U.S.C 1692g ( 4 ) ( 5 ).

7 It is fact, the Affiant is entitled to monetary relief pursuant to 15 U.S.C 1692k if settlement is not reached by consumers desires. 
Your failure to rebut the claims made herein point by point with federal law shall constitute your tactic agreement that the claims are true and your acknowledgment that we agree on all points and we further agree that respondents agree not to interfere with Affiants privacy in the future. You have 3 days pursuant to Regulation Z of the Truth and Lending Act to rebut this Affidavit of Facts with a sworn affidavit of facts not hearsay nor information or belief under penalties of perjury. If this affidavit is not rebutted by XXXX XXXX. Silence is acquiescence. This will be become public record attached with an invoice with damages for non-compliance under 15 U.S.C 1692k. 
On XX/XX/2021 I received a letter stating that the forgery claim as denied.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

Signed a 6 month lease in XX/XX/year> with XXXX XXXXXXXX XXXX XXXXXXXX and moved out the beginning of XXXX. Always paid rent on time and never heard otherwise. Even called their office before I moved out to make sure I didnt owe anything else and they said I was all paid up. Gave them 60 days notice I was moving out in XXXX as well. Noticed a couple months back all of a sudden I had collections on my credit when I was looking at buying a house and my credit dropped from XXXX to XXXX ive never had any debt ever. No loans or credit card debt nothing. The company was called IQ Data International for the collections. I have never received communication from either XXXX XXXX XXXX XXXXXXXX or IQ Data International whatsoever at any point over the last 3 years. Ive disputed with all 3 credit bureaus and XXXX specifically refuses to lift the debt so my credit is still destroyed. Ive tried reaching out to XXXX XXXXXXXX XXXX XXXXXXXX for them to confirm if I owe them anything and they refuse to pickup the phone. Ive also written a handwritten dispute via letter to IQ Data International stating I do not owe this debt and have never received any correspondence whatsoever stating I owe a debt. Was just sent to collections without my knowledge and got my credit destroyed that Ive worked so hard to build.
Consumer complaint received 2022-05-02
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. (ID)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

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

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I called twice asking for title and the last time I was told yes the car was paid off in XX/XX/2022 and that my credit report has XXXX balance paid off. I was also told they would expedite my title and I have yet to see my title and I still see XXXX balance still on my account. They acknowledge the notes from the last person I talked to and that they closed my account and requested my title to be sent out.
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2020-12-03
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)

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2021-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was supposed to stay at the XXXX XXXXXXXX XXXX in XXXX from XX/XX/XXXX - XX/XX/XXXX. My trip was from XXXX, XXXX, to XXXX. 

On XX/XX/XXXX, the XXXX XXXX told me I'm unable to enter XXXX due to a lockdown. See news : https : XXXX. Immediately, I called the hotel in XXXX and XXXX to ask for refunds. I was given by XXXX hotel, but not the XXXX XXXX hotel in XXXX. Because of the lockdown and my train tickets, I was unable to leave XXXX to go to XXXX and hence, was unable to enter XXXX. Going to XXXX would require me to pay additional fees or an extremely high-priced plane ticket. The hotel refused to refund me due to an unexpected lockdown that prohibited me from traveling there. 

They refuse to give me my {$340.00} back. 

I have filed a billing dispute with Bank of America. After speaking to their customer representative, they told me the merchant was still fighting the refund and the representative did not assure me the dispute would be resolve in my favor. They seemed to side with the hotel despite the fact that I was locked from entering the country via the train I was supposed to travel on. I also told the representative I had proof of documentation, but said I could not upload it or send it along. I'm very worried Bank of America won't be in my favor on this issue and want to express my concern. The call with the customer service representative did not put me at ease and they did not communicate that they would advocate for me despite the fact that I was affected by the lockdown and hence could not travel to XXXX. 

I need my {$340.00} back due to an unexpected circumstance, as described above.
Consumer complaint received 2022-09-15
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc. (MI)

I made a complaint with CFPB. Santander has since sent me letters using my name without my written prior consent. Santander treated my demand for removal as an identity theft complaint. I received notice that I put in a dispute but I put in a demand to comply with notice. The creditor doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I NEVER HAD XXXX AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/, 2018 ON TRANSUNION CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING TRANSUNION AND XXXX XXXX XXXX.