davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX Master Card 2021 Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of unauthorized charges to Account No. ending in XXXX Billing Inquiries Division : I am writing to dispute a total unauthorized charge in the total amount of {$1100.00} to my XXXX XXXX XXXX  Master Card account between XX/XX/XXXX and XX/XX/2021. 

During my visit to XXXX, XXXX, my credit card was lost and as result, 8 unauthorized charges were made in the account. On XX/XX/XXXX, after receiving an email alert from Barclays fraud department, I realized the credit card was not in my possession, I logged into my account and could confirmed with the bank that several unauthorized charges have been made in my credit card account. 

On XX/XX/XXXX on the day of my return to the United States, I logged back into my account and realized all fraudulent charges were posted back as mine, I decided to contacted the fraud department and I was informed that Case # xxxx have been closed without any further explanation, then, I was transferred to a Fraud Specialist call XXXX in XXXX, who explained to me that I would have to proof I did not made those fraudulent charges since charges were made while I was still in XXXX. 

On Monday XX/XX/XXXX, I decided to call back and spoke with XXXX, another fraud specialist in XXXX, who assured to me everything was right and all fraudulent charges would be removed from my account during the next XXXX charging cycles while the investigation was in process, which have being completely inaccurate since all fraudulent charges remain in my account as XX/XX/2021. 

Since XX/XX/2021, I had spent several hours trying to get in contact with their fraud department for further explanation to no avail, I had been put on hold several times for hours, waiting to speak to XXXX XXXX XXXX Mastercard fraud department without success. 

As consequence, the fraudulent charges continue to be posted in my account and the dispute amount reflected in the total balance, high interest continue to be accrued, affecting my credit score and my peace of mind. In addition, after many attempts, I havent been able to communicate with any fraud specialist to explain to me what is the reason of the arbitrating decision of closing a fraudulent case and forcing unauthorized charges into my account. 

This is a clear violation of my rights as consumer and violated The United States Federal Consumer Financial laws, in addition, using false benefits as {$0.00} fraud protection benefit offered in your promotional material to acquire new customers, it constitutes use of deceptive and false advertising to misleading them into purchasing your service.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 2022-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

ON XX/XX/2022, MERCANTILE ADJUSTMENT BUREAU , LLC SENT A LETTER TRYING TO COLLECT A CREDIT CARD DEBT OF {$15000.00} ... ON XX/XX/2022, I SENT A LETTER TO MERCANTILE ADJUSTMENT BUREAU , LLC TO VERIFY THE DEBT ... AS OF XX/XX/2022, IT HAS BEEN MORE THAN 30 DAYS, AND I STILL HAVE NOT RECEIVED ANY VERIFICATION OF THE DEBT... I WOULD LIKE THE COMPANY TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY... I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-09-09
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. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX
Consumer complaint received 2018-06-07
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. (MD)

Transunion Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Transunion these company didnt provide contact with my signature as anytime.
Consumer complaint received 2022-09-09
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. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I opened a XXXX XXXX account, XXXX XXXX and a jcp penny account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be homeless in 6 weeks because our credit score is  effected dramatically and we can't buy a hous or even rent
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested that the CRA remove all old addresses and variations of the spelling of my name to show a complete and accurate consumer report. The correct and accurate name should be shown as XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX GA XXXX. I have enclosed my drivers license and a copy of my recent utility bill as proof of my residence address, please remove address XXXX XXXX XXXX XXXX XXXX GA XXXX as shown on my credit report dated XX/XX/2022, as I have not lived at this address for quite some time, and since many other people have been using address XXXX XXXX XXXX XXXX XXXX GA XXXX in the years since I was there I would like it removed to limit my risk of identity theft by preventing old bill statements or other personal mail from ending up at someone else 's address.
Consumer complaint received 2018-06-07
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. (TN)

I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Consumer complaint received 2018-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I lifted my XXXX security freeze easily on the other 2 credit reporting companies. Experian did not. 

They wanted a long list of documents submitted to ESTABLISH / PROVE my permanent residence. 
I NEED THIS LIST OF DOCUMENTS THEY REQUIRE ( from memory driver 's license, utility bills etc. ) and the ADDRESS TO WHICH THEY ARE TO BE SENT. 

I believe that this issue ( which I tried to correct years ago unsuccessfully ) arose because in any attempt to correct a prior error in my credit history, they had me living at a law office as I sent a letter from the address thinking - erroneously - that someone would pay more attention. 

Then, because the law office gets its mail at a post office box ( no delivery to addresses in XXXX ), they had my address as the box office box. It's large, but not that large.
Consumer complaint received 2016-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or XXXX
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

CITI BANK Citibank XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. 
ON XX/XX/XXXX TH 2021 I APPLIED FOR A CONSUMER CREDIT TRANSACTION WITH CITI BANK BEST BUY. I THEN RECEIVED A NOTIFICATION THAT I HAD BEEN ALLEGEDLY DENIED MY BIRTH RIGHT OF RECEIVING CONSUMER CREDIT BASED ON ILLEGALLY FURNISHED INFORMATION ON MY CONSUMER CREDIT REPORT. CITI BANK USED MY CREDIT CARD TO RECEIVE CREDIT BUT DID NOT EXTEND THE CREDIT TO ME.THEY FURNISHED MISLEADING DOCUMENTS SUCH AS A ADVERSE ACTION LETTER.ADVERSE ACTION HAS NOTHING TO DO WITH THE DENIAL OF CREDIT BECAUSE ACCORDING TO THRUTH AND LENDING I AM THE ORIGINAL CREDITOR..I AM THE THE ORIGINAL CARD ISSUER THEREFORE WHEN I EXCHANGE MY CREDIT CARD I SHALL RECEIVE SOMETHING OF EQUITY IN RETURN.I DID NOT RECEIVE ANYTHING.I HAVE BEEN ROBBED AND HUMILIATED. 
CONSUMER REPORTING AGENCIES HAVE NO RIGHT TO FURNISH INFORMATION WITHOUT WRITTEN CONSENT BUT THEY STILL WENT AGAINST FEDERAL LAW. 
ITS MY RIGHT AS A CONSUMER NOT BE JUDGE BY A SCORE, I AM A NATURAL PERSON WITH A OPEN END CREDIT PLAN .HOW IS IT POSSIBLE THAT THEY ARE ALLOWED TO COMIT THESE FRAUDULENT ACT WITHOUT BEING HELD ACCOUNTABLE. I WANT JUSTICE .I DON'T DESERVE TO BE TREATED LIKE THIS! 
PLEASE DON'T NEGLECT THIS MATTER I HAVE SUFFERED SERIOUS INJURY DUE TO THIS SITUATION I NEED YOUR HELP CFPB A FINANCIAL INSTITUTION CAN NOT DENY ORIGINAL CREDITORS TO ACCESS TO CREDIT. 
SINCERLEY, XXXX XXXX XXXX AM WHO I AM AND NO ONE OTHER )
Consumer complaint received 2018-06-07
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (TX)

On XX/XX/2018 there were attempts to call my cell phone with aggressive in nature tactics upon answering. They also called the main line of my place of employment during work hours back to back. I am not to take personal phone calls during work or production hours, and they have repeatedly contacted me this way. This jeopardizes my employment. They are aggressive and harassing me.
Consumer complaint received 2018-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (TN)

My husband is approved for indigent medical care under XXXX XXXX. A division of theirs keeps calling and will not give name, but asks personal questions over the phone about who I am. I keep telling them to contact me via mail and they refuse. Their phone # XXXX in XXXX XXXX TN. They just say they are XXXX
Consumer complaint received 2022-01-06
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. (NJ)

Reports still showing information which I was a victim of identity thief the are still reporting inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I was contacted via email from XXXX XXXX stating I was reported Deceased on my credit report. I contacted XXXX  who informed me Hyundai Motor Finance ( XXXX  ) had reported me deceased. I contacted XXXX  on XX/XX/2020 by phone and several more emails have been sent. I am still unable to get a credit score from XXXX. My normal FICO score has always been above XXXX.
Consumer complaint received 2017-10-01
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: EQUIFAX, INC. (MA)

I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX these go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
Consumer complaint received 2017-10-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (SC)

I was told when I purchased a home in XXXX that I was a home owner, I lost my job in XXXX and I fell behind on payments I asked to do a short sell and was told I could n't because the property is not in my name. I ca n't even receive assistance from companies to catch the payments up.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My mother passed away XX/XX/2021. My mom had three accounts one of which I was the beneficiary on. The branch manager stated I was not on any of the accounts and denied access even when a death certificate was provided as we still needed to insure my moms bills were paid. I had gone in, called and still told the accounts were locked. For 5 weeks this continued until I reached a person in a higher position and had the fund released immediately. The way I was treated was unprofessional. We were lied to and Denied Access to the account I was beneficiary of. The branch manage deliberately and malicious in manner withheld access to an account that was mine and lied and stated the accounts were locked and were denied access. It is a form of theft in my opinion. Our family has been in a great amount of distress and grief over the unexpected death of my mother. This action taken by the branch manager To deny and to blatantly lie to my husband and I is beyond lie our understanding. Our family attorney is aware of the concern. We will be considering options from this point forward.