davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I opened an account with XXXX XXXX through the XXXX XXXX XXXX  and was approved for a {$400.00} line of credit. I was super excited to get the opportunity to start building my credit again. On or around XX/XX/2020 I changed bank accounts and as such grain was not able to take my monthly payment. 

When i logged into the app on my XXXX  to update the bank account, it kept giving me an error so I contacted support. Eventually the issue was semi resolved. This is not the reason for my complaint today though. 

Now, fast forward 8 months later and I am having the same issue again. Except this time, they have reported a 30 day late for XXXX and a 60 day late for XXXX. This is preventing me from finding a new apartment now and XXXX XXXX has no one I can call. 

When I try to go on the app to put a new payment method, it says that my bank is not supported. So i tried a seperate account but it said that my XXXX XXXX  account is being used for another account. So here I am again, unable to make a payment while my credit is being damaged and I can't even get a hold of someone at XXXX  to make it right. 

I am requesting these late payments be removed IMMEDIATELY and for me to be sent an invoice to XXXX so that I can pay this off in full and close this account. 

My parents are also experiencing the same exact issue which is causing them unjust harm as well. 

Thank you for your assistance in regards to this matter.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Affirm Holdings, Inc (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a very payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I received a letter from the bank that said I have an account that was put on hold due to unusual activity. The bank provided a XXXX number to call to verify my information. I only provided my name and I denied my SSN because I suspected fraud. 

I would not open and never opened an account with another bank that's out of state. I have my local bank that I deal with. 

I was told by the customer service representative that my SSN and personal information was used to open this account. ( On the letter that I received, there's the last 4 digits of the account number ).
Consumer complaint received 2020-11-04
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I paid all outstanding balances on my account ending in XXXX to XXXX XXXX XXXX. On XX/XX/2020, I closed my account ending in XXXX with XXXX XXXX. 

I no longer have outstanding balances, as I paid those at the time my account was closed. My bank statement shows that an amounts of {$30.00} and {$75.00} on XX/XX/2020, {$21.00} on XX/XX/2020, and {$25.00} XX/XX/2020 were withdrawn from my Chase Checking account on behalf of XXXX XXXX XXXX. 

I contacted XXXX XXXX in XXXX, and was told no charges to my bank account have been made on behalf of XXXX XXXX. XX/XX/2020, I sent an email to XXXX to file billing fraud, and demanding to have these charges refunded. XX/XX/2020, I received a response via mail. No resolution was made other than they would remove me from their contact list, close my account, and I had made a purchase with my card on XX/XX/2020 for {$42.00} with my XXXX XXXX card. 

XX/XX/2020, I contacted XXXX XXXX to inquire about the balance on my account, and was told that I had no outstanding charged. I then contacted Chase Bank via phone to dispute these charges, and file a fraud claims. A representative at Chase Bank stated that I made automatic payments via my Chase checking account. I was told my claim would be denied. It should be noted that I do not have reoccurring payments set up on my Chase Accounts. 

XXXX XXXX XXXX  is not holding itself accountable for erroneously charging its borrowers, such as myself. I believe that XXXX XXXX is manipulating accounts. I am requesting to receive assistance in having this issue resolved, as I have exhausted all possible ways to address this issue with XXXX XXXX and Chase Bank.
Consumer complaint received 2021-10-06
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-06
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. (GA)

THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave Experian, XXXX, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.
Consumer complaint received 2020-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I purchased a ticket with XXXX XXXX using my Capital One credit card for {$160.00}. The flight was XXXX going from XXXX, XXXX to XXXX, XX/XX/XXXX. A few weeks later XXXX XXXX canceled my flight with no reason given. I tried contacting XXXX XXXX via phone and they only speak XXXX. I tried messaging them on XXXX using a translator app so that my message would be in XXXX and I never received a response from XXXX XXXX. A few days later I disputed the transaction with Capital One because I never received the service I paid for nor have I received a refund. I demand a refund. Capital One has ruled the case against me several times saying that the ticket isn't refundable due to the airlines policy. At first the airline said I canceled the ticket when I did not. They lied. Then they changed their story and admitted they canceled the flight but they gave me future travel credit a.k.a " certificate '' which I never received. I've been very clear about all of this with Capital One and they still said I won't receive a refund. I've referred Capital One to the mandate the Department of Transportation ( DOT ) of the US government stating that anyone who has their flight canceled due to the airline canceling it has the right to a refund in all circumstances. Capital One says that DOT is a 3rd party and their law doesn't apply to my transaction. I bought the ticket in the U.S. using a U.S. banks credit card and it's for a flight to the U.S. How does the U.S. gov't law not apply? I'm very unhappy on how Capital One and XXXX XXXX has handled the situation.
Consumer complaint received 2020-10-21
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. (NC)

I have asked XXXX, TransUnion, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, TransUnion and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I recieved a call that someone from another state was trying to make a XXXX charge at XXXX. I informed Wells Fargo that I didnt authorize this. They closed my card down and issued another one. Within 24 houra of them issuing another card, my card had been charged in XXXX in excess of XXXX. They have denied my claim and I never authorized the charges, nor had I even recieved my card.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I filed a police report once I realize that the bank notified me that my account was in the negative over {$1000.00}. Then I step into the branch to find out why I was blocked out my account and card was not working. Then I file a dispute with the Bank. They provided me with the info and it came back some used my info to deposit a check with a fake signature that didnt match mines and they withdraw fund out the account with my consent. I need help cause they sold my info to a company called XXXX XXXX which blocks you from opening any bank account. Thats hurting my name to have any new bank account.
Consumer complaint received 2023-07-26
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2021-03-25
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. (CA)

On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!
Consumer complaint received 2021-12-07
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CO)

On XX/XX/2020, at XXXX XXXX  MST, XXXX XXXX of Cedars Business Services, using email address XXXX, has repeatedly tried to get me to pay him a sum of {$1600.00} for an account which does not bear my name or address, or any name or address on a business of mine. His first attempt contained no documents of any kind. XXXX contacted me again on XX/XX/2020, at XXXX XXXX, and again on XX/XX/2020, at XXXX XXXX  over the same matter. The company name on the document is " voiproca media limited '', with a postal address of " XXXX XXXX XXXX XXXX XXXX, XXXX ''. This is not my name, nor the name or address of one of my companies. Each time XXXX wrote, he was instructed XXXX nicely ) not to contact me again.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (IL)

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. Radius Global Solutions LLC {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill instead of the original application with my signature. The company is also not licensed in my state to collect a debt.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX I purchased a XXXX XXXX which was financed through Santander Consumer USA with monthly payments of {$510.00}. During this time, I have filed 4 emailed complaint, 2 written complaints, numerous phone calls to complain about the amount of money I have paid for this car to still owe over {$14000.00} as of XX/XX/XXXX. The monthly payments are {$510.00}, but I never understood why my principal has never gone down no matter how much I pay. During this time, I see that of the {$510.00} payments that I have made, if this is not paid on the due date almost none of this payment goes towards my principal. This loan was not designed for me to pay it off, but to continue in debt with no financial means to fix my vehicle when needed. I tried to refinance my loan but because the balance was so high the 2 companies that I went to after reviewing the loan declined because I could not pay the {$9000.00} deposit needed. Over a year and half ago I reached out have my due dates changed, I had experienced a national disaster and my home getting struck by lightning. When I reached out to Santander, they advised me they could not help me. I had not had any late payments reported to the credit bureau until I asked for assistance. Because the payment date change that I requested was not granted, Santander reported me 30-59 days late to all major credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent my payment information, my dispute of what Santander said I owed, and now that they have destroyed my credit and trapped me in this outrageous and unfair trade practice loan, I still am in debt on a car that is worth less than {$4000.00}. This loan is now 5years and 8months old, how can me paying {$510.00}. for this length of time does not pay for this car. Why have they practiced unfair and bias trade practices to me throughout my loan process. They do not offer any modifications, and when I purchased my car, I truly was not made aware that if the loan payment was not made by the due date that it may be no money at all that goes on my principal. I was never made aware of that at all, and unfortunately, I was diagnosed with XXXX  which is why I feel that I was taken advantage of. I work extremely hard to pay my bills as I agreed too, but this company is robbing consumers, taken advantage of the underprivileged, and placing me in a loan that was never designed for me to pay it off. I made my last payment on XXXX XXXX in the amount of {$520.00}, but {$210.00} went towards the principal and {$290.00} went towards interest. Why are they still applying this kind of money towards interest? Inflation, unfair trade practice, deceptive trade practice, and designed for consumers like myself to fail in the auto loan they tricked me into. HELP PLEASE
Consumer complaint received 2020-11-08
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Consumer complaint received 2022-11-29
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: SANTANDER HOLDINGS USA, INC. (MS)

SANTANDER CONSUMER USA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency furnish a account without my written instructions.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IL)

Basically I signed up on for the BlueBird.com prepaid card by American Express, and thought I could use it. I never used it. I feel the card is useless to me and have properly disposed of it.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My loan has been sold at least 4 times since XXXX, I ended up with a Company called mr. Cooper. 

Since XXXX, our insurance company has sent documents to prove that the property has continuous insurance coverage. 

Mr. cooper sneaked the account into insurance escrow, and reallocated additional monthly payment, off and on when one is too busy to catch it. My account should never be escrowed as I pay all taxes and Insurance yearly. 

I have spoken to, at least 20 people over the past 4 years, as at times my normal payment was received, but reported as late or past due, because of the added escrow amount on the standard automatic bill pay payment I had set up with my bank. 

This year, I was determined to bring this stressful deceitfulness to a head. 
I got my insurance agent and mr. cooper escrow representative on the line, I waited from XX/XX/XXXX to XXXX, for all insurance documents to be resubmitted and received with acknowledgement from XXXX in the escrow Dept, who finally promised the escrow flag will be removed from my account, and a refund will be sent. Ive had to make another 5 calls since then to get a response about my refund check. 

It is now XX/XX/XXXX, I still have not received my refund, nor a return call from Ms. XXXX, at XXXX, the supervisor of the complaint Escalation Dept I spoke with her one time only, she confirmed the escrow was removed from all of their various data base, and promised to get the escrow department to send my check promptly, that was since XX/XX/XXXX when I spoke to her, she promised refund will be received by me by the latest XX/XX/XXXX. 
I have been leaving her messages since for XXXX, she has not returned my call. I have been giving the run around for the refund of a minimum of {$1600.00}. Plus I truly believe mr.cooper is a deceitful company that the government must pay very close attention to. Their company is set up so that the left hand has no knowledge of what the right hand is doing, but I believe it is their perfect design to prolong resolving issues, to wear down the consumer. The employees know about their tactics of deceit.