davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: United Check Recovery Bureau, Inc. (NC)

my name is XXXX XXXX XXXX XXXX XX/XX/year>. my SS is XXXX i live at XXXX chelton XXXX XXXX and i have reason to believe that a check from the united states government was stolen from me. I believe that the check was intercepted and was sent to an address that i no longer reside. unfortunately some of the individuals that took part in the fraud were my own family members. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all deposited funs from the check in one way or another. and i suspect other checks too. If you could look into the matter i would be appreciative. 

XXXX XXXX XXXX.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (GA)

In previous complaints I have already pointed out the facts. Wells Fargo forced me to default on my auto loan by not allowing me to redeem my vehicle. The default balance was {$1900.00}, according to wells fargo, at the time I had {$2100.00} transferred in to my account. This company refused to take the money ; even though this all took place during the redeem period. This is similar to this companies actions in force closing bank accounts in what was recently discovered ( 2024 ) to be a discriminatory process by XXXX attorney generals. Your discrimination toward me is quite blatant and I will not accept {$14000.00} as hush money. I'm not an ignorant XXXX XXXX that you all hoped I'd be and will just go away with less than 10 % of damages paid. States possess meaningful authority over banks through civil rights and Unfair and Deceptive Acts and Practices statutes. I have stated numerous times which statutes have been violated and for some reason you are still trying to convince me I have been compensated appropriately. No, the damages that I listed is what are owed at this point and it needs to be paid in full. Pay attention, since you all have refused to fulfill my damages your legal problems have only got worst. Remember 'he who returns evil for good, evil, will not depart his home. ' With God as my witness, I will see your downfall unless the right thing is done!
Consumer complaint received 2024-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened my XXXX XXXX in my Capital One App on XX/XX/XXXX to see an inquiry made on my account through Capital One and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and Capital One and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my credit score.
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (MI)

My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I recently encountered a distressing issue with Citi 's fraud detection system and customer service. Despite initiating a wire transfer to my own account, Citi flagged it as fraud and locked my account. The customer service said the only way is to wait for a letter to arrive at home address and use the reference number on it. It first happened on XX/XX/XXXX, and it has been 13 days since this occurred, and I'm still awaiting a letter to unlock my account. 
Despite numerous calls to Citi 's representatives, I've been met with unhelpful responses, including one with a bad attitude. While one representative suggested using my verified number, I did call with my phone number put on the account only to discover the number that I used for 10 years, isn't registered as 'verified. ' Leaving me no way but to wait for the letter. 
My personal banker couldn't offer any alternative solutions, said when it comes to fraud department they have no power. 
This experience is not only frustrating but also absurd- it is ok to do fraud protection but forcing customers to endure lengthy delays ignoring urgent financial needs is not good. What is one is traveling outside from home? Does it mean they are not able to use their money? We are leaving in 2024 where remote work is a reality. Fraud detection is important but shouldnt be the excuse for putting no thought into the designing the process and hurt customers. 
I've filed multiple complaints, yet there has been no response or action from Citi, like Citi is ignoring complaints and just let customer have what they have.
Consumer complaint received 2017-11-06
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: SYNCHRONY FINANCIAL (CA)

DID NOT AUTHORIZE THIS INQUIRY Syncb/qvc Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX This inquiry could stay on your report XXXX XXXX. 
See an error? 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX. 
This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (MD)

I am writing to dispute the inaccurate information that has been reported on my CIC credit report, which does not belong to me. Despite multiple attempts to correct this error, the credit bureau has not complied with my dispute, in violation of my rights as a consumer under the Fair Credit Reporting Act, 15 U.S.C. 1681, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].

This reporting error has significantly impacted my ability to secure employment and a new home, resulting in financial burdens for my household. As a victim of identity theft, I have submitted my identity theft report and provided proof of the inaccuracies, yet the credit bureau continues to report this information.

Over the past 15 months, I have taken extensive measures to rectify this situation, including preparing documents, filing complaints, obtaining legal advice, and paying for postage and delivery confirmation. Despite my efforts, the credit bureau has yet to comply with the FCRA and remove the inaccurate reporting from my credit report.

I kindly request that the credit bureau to promptly remove the inaccurate information from my credit report, in accordance with the FCRA and applicable consumer protection laws. I also request that the credit bureau provide me with an updated credit report reflecting the removal of this error.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (FL)

This vehicle was repossessed by XXXX XXXX in the State of Florida. 

Under the laws of the State of Florida XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2024-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not contact these companies for the following dates that have been listed with capital one which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2024-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

In XXXXXXXX XXXX, I contact my student loan servicer, Heartland ECSI, to obtain my upcoming monthly payment amount. I was told that I owed {$2400.00} for interest that accrued over several months during my deferment while I was still in school. I called ECSI to ask what my regular monthly payment would be once I made the lump sum interest payment, and was told that the {$2400.00} would be my monthly payment amount as well. I responded that this monthly payment amount was too high for a {$25000.00} student loan. The customer service representative continued to argue that it was correct and I asked to speak with a supervisor. I was told that no supervisor was available, then I was placed on hold while the representative conferred with another team member. When the representative returned, she told me that if I paid the {$2400.00} interest that accrued, I would get a statement the following month showing me my regular monthly payment- which would likely be around {$500.00} or so a month. I used my income tax return to make said payment, and the following month I received a statement from ECSI stating that my next monthly payment is again {$2400.00}. I also wrote and mailed a letter to the company asking to be contacted about this unreasonably high payment and was never contacted. In addition, last year this company sent me to collections for just over {$700.00} in interest without ever notifying me by mail, email, or phone that I owed this amount. Again, I got nowhere with their customer service and had to write letters to the three major credit bureaus. After contacting these bureaus, suddenly my account was no longer in default. I firmly believe this company is mishandling my loan and will not provide me with accurate or true information.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. XXXX XXXX, I.C. SYSTEMS, INC, XXXX XXXX XXXX XXXX XXXX XXXX. Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Over the last 4 years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. XXXX also now refuses to allow me to do any disputes online etc. Transunion i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

There 's a collection on my report for {$4800.00} from midland collection agency which I believe was from a XXXX account. This was from WELL over seven years ago and I believe was settled a long time ago as well. Sadly I do not have records from then as I lost a lot of my older records in a fire. I 'd like this looked into and removed if possible.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.
Consumer complaint received 2020-03-28
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (IL)

I contacted Hunter Warfield to discuss a collection account placed on my credit report. I cosigned for an apartment for a relative. She was in contact with them and is paying the debt but never disclosed to me the account was placed in collections. 

I never received a notice, phone call/email from Hunter Warfield notifying me of the debt and now they placed me in collections for a debt that I did not know was outstanding. I should have been notified if I'm going to be held responsible. 

They placed the collections on my account only and not hers.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Certegy Holdings, LLC (AK)

I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX  had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXX XXXX. I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX  using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my XXXX XXXX  away and I can't cash the XXXX XXXX checks at even XXXX or any XXXX union or bank. All require an account and even XXXX has my social flagged due to XXXX XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXXXXXX XXXX XXXX in the case against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The description of videos is proof. One being my XXXX  is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX  XXXX XXXX my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in XXXX  XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your XXXX allowed to access our accounts I cant get credit because your so called system of security is a joke when the XXXX get to get credit in my name with XXXXXXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/10 I sent my sister XXXX XXXX {$1000.00} for rent. XXXX conf # XXXX. On XXXX My sister said she never received the XXXX. 
XXXX I called Wells Fargo to file a claim case # XXXX fir {$1000.00}. Wells Fargo told me to call XXXX and complain to the. I asked for XXXX 's phone number and they told me to pull it off XXXX. The number on XXXX was XXXX, ( SCAM number ) so I called XXXX and they had me go onto my Wells Fargo account to pull the money back. He walked me through the XXXX program which I downloaded. He had me fill out the form and said we would be getting the money backThey sent a wire transfer to XXXX XXXX and took {$1200.00} They scammed all my checking account money. 
I went to Wells Fargo and filed a Scam/Fraud case # XXXX The wire transaction case # is XXXX I am XXXX XXXX XXXX and live on Social Security XXXX I have no money to live on they took it all. Please help me. XXXX
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am a XXXX/American express ( AE ) credit card holder. I enrolled to AE true earning card to replace my XXXX AE card but I did n't activate it. AE said I can continue to use my XXXX AE card until XXXX taking over their business on XXXX XXXX. My cash reward with XXXX/AE will still accumulating. When I logon to AE account, it only showed my reward of XXXX. But after my XXXX XXXX statement, my cash reward is even no longer showing in AE monthly statement. I contacted AE on XXXX XXXX. They said they have system error and fixing it. And it still take 2 more weeks to fix it. Does it take 5 months to fix a software problem?? I 'm complaining about AE not giving me the cash reward back. I have my right to know where my cash reward go. Thanks.