davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (OH)

On XX/XX/XXXX, I contacted USbank with a question about my mortgage, only to discover the funding I had received up to XXXX, was unexpectedly reversed and removed from my account. The reason provided was that my account was deemed current, although it was not, and there were no prior notices or follow-up calls to inform me of this decision. I also was told the organization that funded my account reversed it, when in fact it was USBank that initiated everything. I dont understand the lack of honesty. 

This sudden reversal has left me in a precarious financial situation. As a responsible borrower, I had believed the mortgage payment was settled. However, due to the lack of proper communication and documentation, I now find myself facing additional financial challenges. 

I have diligently reached out to USbank multiple times, advising of the situation, and emphasizing the urgency of resolving this matter. Unfortunately, the absence of proper notes in their system has hindered any meaningful progress. I am deeply concerned about the impact this situation is having on my financial stability. 

I kindly request your assistance in investigating this issue further. Could you please look into the matter and provide clarity on why the funding was reversed? It seems I am now penalized for others error. Additionally, I urge you to address the lack of communication and ensure that proper procedures are followed moving forward.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

On XXXX XXXXXXXX  I noted a late payment from Self Lending INC on my credit report. I'd reached out to them to update this information a month ago. On XXXXXXXX XXXXXXXX  XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

On XX/XX/2024 I was alerted by Citibank of a charge made with my card for {$310.00} while I was traveling in XXXX XXXX. I immediately called Citibank and told them of the fraud and was assured not to worry they would keep my card open and upon returning to call and file a dispute. When I returned to the XXXX on XX/XX/2024 i called Citibank as directed to report the fraudulent charge. I was asked a series of questions by Citibank and was told I was responsible for the charge since the chip on the card was used for the transaction. I told XXXX at fraud Citibank that I never made that transaction. I asked for a signature or some other proof and was told they didnt have anything. Since I still had the card I was told I must of made the transaction since the chip was used. I explained I used my card throughout my trip, giving my card to restaurants, shops, hotels .I did not make that transaction. I always pay my charge bills in full and did so with Citibank excluding the fraudulent charge of XXXX. Now I received a letter from Citibank stating XXXX responsible for the charge and will be reported to consumer agencies as past due. I am at my wits end and have an excellent XXXX XXXX, I feel Citibank has not protected me. I did exactly what I was told when first reporting the charge received in the alert on XX/XX/XXXX. I was a new customer to Citibank and got the card because they didnt charge an international fee. I have closed the account because of this and am no longer a cardholder with Citibank even having to forfeit my airline miles. Please help me.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This XXXX XXXX bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a XXXX  XXXX relationship, and after we had parted from one another, he opened up a XXXX XXXX credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to XXXX XXXX about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!
Consumer complaint received 2017-09-09
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. (WA)

I am a victim of the Equifax hack and I am filing a complaint against Equifax for improperly caring for my protected information and that information being used to potentially harm me or steal from me.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BUSEY BANK (IL)

I noticed unauthorized inquiries on my credit report that i would like removed, according to the FCRA these unverified and unauthorized items must be removed..i did not authorize these companies to run my credit and that is fraudulent
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

XXXX XXXX duped me and probably thousands of other people into getting the Citi AAdvantage Mastercard and dedicating our airline choices and money to achieve the highest elite level, XXXX XXXX XXXX XXXX XXXX, with the false promise I would receive unlimited free upgrades to First Class 'up to XXXX hours prior ' to the flight. 

Since achieving XXXX XXXX XXXX XXXX XXXX status in XXXX XXXX XXXX, I have never received a free upgrade XXXX hours prior as promised on both the XXXX website and the AA Citicard website

as a benefit of being XXXX XXXX. Very disappointing and discoursing. I feel as though I have been purposely scammed. After realizing that all my hard work and money spent on their credit card to achieve XXXX, I started noticing there
were many open/unsold first class seats in this XXXX hour prior window. I could even purchase a first class ticket if I wanted. Yet still no free upgrade to first. XXXX  or XXXX  I may have got the upgrade but that wasn't until checking in at the airport and arriving the gate. 

XXXX  appears to be acting in a predatory manner, encouraging us to get the credit card, and over selling the promise of a free upgrade XXXX hours prior but never giving them out to their loyal XXXX  members. Rather, they appear to still hope they can sell these seats to other customers in this XXXX hour window. They do the same thing with XXXX XXXX XXXX XXXX  passes purchased on line... They allow us to purchase them, yet all clubs are not accepting them! 

Since noticing this, and not getting the free upgrades XXXX hours prior, I was forced to use my miles ( XXXX each way ) and pay a co-pay of {$75.00} ( each way ) in order to get the upgrades. Which in almost all cases I have been getting them now that I am paying more money and wasting my hard earned miles on something that should have been free. 

I would have never got this credit card, had I known XXXX wasn't going to honor the XXXX hour free upgrades. 

XXXX XXXX XXXX
Consumer complaint received 2021-01-20
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)

I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2020 I was a victim to a crime. I was drove by the suspect to XXXX bank and the suspect forced me to go open a loan and to give them the funds after it was done. I then waited to file the police report due to my safety but then I found out that he was locked up due to other charges, so I pressed charges as well. Law enforcement added on these charges to the suspects file. Im in the process now of retrieving my police report. I want yall to note that this happened and it was totally out of my control.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (OH)

Merchant settle for less then amount owed which was XXXX XXXX for XXXX $ and owedXXXX account was then closed. Account was openedXX/XX/XXXX and as of XX/XX/XXXX made this account 7years old .so I asked that it be removed completely because by law thats there policy, they have it on my report till XXXX of XX/XX/XXXX Experian sill want remove it XX/XX/XXXX and XX/XX/XXXX has removed it and it should haven been taken off or deleted.
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (CO)

I am a victim of identity theft. Previously I supplied a copy of my police report, FTC report, proof of identity, and proof of address. Some of the resulting information was blocked as a result of FCRA 605. However not all the information has been blocked. Therefore, I am again submitting my request. Proof of identity, my identity theft report.
Consumer complaint received 2020-05-01
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. (OR)

ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

I filed bankruptcy in XXXX 2015 it discharged XXXX 2015. Per my XXXX credit report it reflects XXXX XXXX XXXX XXXX XXXX XXXX account were closed XXXX/XXXX/2015. Per the Equifax XXXX credit reports the accounts still reflect open. I have contacted both XXXX and Equiax and requested to have the information updated per the XXXX credit report.
Consumer complaint received 2020-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (AZ)

XXXX XXXX I received a letter from Tate & Kirlin as an attempt to collect a debt. This issue was resolved years ago. My wife, XXXX XXXX, passed away over two years ago. Given the current situation of quarantine and high unemployment, I feel this is a scam tactic to get money not owed. I think the statute of limitation has expired on this issue also.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (FL)

i opened a new cash app after they closed my 1st cash app i had for years uploaded id to get verified to use the platform and every time i have a issue with them i get the run around with no resolution this particular ( XX/XX/19 ) instance my XXXX is not working i inquired on the problem they tell me to verify i told them i have already whats the issue they inform me that to use that feature i have to be verified i informed them i have been using the feature can you not see my account they ignore that and say send in your information again. MY thing is if i already sent in the same information what are they doing with it i see alot of ppl accts get hacked because they want front back and selfie. they ignore that as well whos in charge of cash app where does our information go and why do we have to keep giving them our information. they always say they will email me i never receive an email this company just seem bogus and it seems like they just collecting peoples information.
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

On XX/XX/XXXX a CashApp Customer service representative emailed me telling me that i had to provide more information in order for the dispute to continue.I replied to her email in less than 24 hours giving a detailed explanation of what happened.On XX/XX/XXXX i asked if there was a update on this case and then i got a email saying that a response was not provided or they havent heard back from me in 3 days.This is entirely false cause i fact did reply back to her.I will provide you a screenshot of my response with the file attached.Im making this complaint to resolve my dispute that was started on your guys behalf when i made a complaint a few weeks ago about this dispute.The reference email code is [ ref : XXXX : ref ]
Consumer complaint received 2021-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX
Consumer complaint received 2016-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (VA)

I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I just read about the Equifax security breach. I went to their website and followed the steps to see if I was affected. It stated that I am affected. I went to place a freeze on my credit and all 3 credit bureaus sites did n't work.
Equifax 's response and notification about this breach is completely pathetic. Thry have failed on every level. It is their duty to notify people about the breach and offer a free credit report and monitoring for more than 90 days.
Consumer complaint received 2020-05-09
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: SYNCHRONY FINANCIAL (SC)

In XX/XX/2019 I applied for a JC Penney Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that JC Penney was using information from XXXX XXXX to cancel my account. Furious I reached out to JC Penney because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by XXXX XXXX. 

JC Penney was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that JC Penney took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.
Consumer complaint received 2017-09-09
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)

Equifax has potentially given away my personal, private information and compromised my identity when they were hacked on XX/XX/XXXX. I checked the status of my information on XX/XX/XXXX and was alerted that there is reason to believe I am one of many involved in mass identity theft.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (IL)

I received a Visa debit card from a company named Cash App, issued by XXXX XXXX. It is under my name and mailed to my home address on XX/XX/2021, but I never authorized this and havent even heard of Cash App before. I contacted Cash App and they sent me an email with a set of questions, which I already replied back to with the answer.