davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I submitted XXXX accounts ( XXXX XXXX, XXXX, and XXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had XXXX years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off. 
On XX/XX/XXXX a collection showed up on my credit report with no way of validating the debt. Its been disputed but XXXX had no authority to sell my information to a third party ( XXXX XXXX ) and my right to privacy has been violated
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (VA)

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a XXXX XXXX XXXX  That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXXFreedom Mortgager ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to Freedom Mtg Customer Svc and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week Freedom Mortgage denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXXwastaken off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage 6 Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the Credit Report- Freedom Mortgage is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( nte, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had an account with Capital one account # XXXX Routing number XXXX On XX/XX/XXXX I issued a check for rent that was apparently stolen and falsified by someone that Capital one told me was in Pennsylvania by the last name XXXX and was cashed at a personal account and bank in PA. I reported this a month after in XX/XX/XXXX when my landlord reported not receiving the payment. An investigation was open and all the information sent and confirm by the bank and every other report done. I was told that I had to wait until the bank that released the funds return it. This is terribly unfair because the bank should have some type of credit given while the investigation takes place. In a subsequent call the representative was laughing saying that she would hear me vent but there was nothing I Can do and If i wanted I could just close my accounts with Capital one. Someone in the fraud department. This is still unfair because that will not return my money and if I am good to put my money in their accounts If something happens and I prove this then my money should have some guarantee. 
Please help I feel hopeless and don't know what to do anymore to get this money back.
Consumer complaint received 2022-07-15
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. (TX)

INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT XXXX XXXX XXXX
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I am unable to allocate payments toward promotional balances. On XX/XX/23 at XXXX pm XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXX ) to make a payment in the amount of {$260.00}, 100 % of which should go towards my promotional balance which expires on XX/XX/XXXX. I spoke with XXXX XXXX XXXX. My due date is the XXXX day of each month and my next payment due is XX/XX/23. I wanted to pay the promotional balance to avoid interest, but the Agent refused to allocate the payment as I requested. She stated that " she can take the payment but will not allocate 100 % of the payment toward my promotional balance, instead the payment will go towards the minimum monthly payment first ''. My due date is XX/XX/23. I have XXXX days to pay a minimum payment on XX/XX/23. When I asked to bring a decision-maker to the call, she stated that " there is no one above me ''. That means that the entire shift of Citibank reps was without a decision-maker to cover consumer issues. The policies of Citibank are designed in favor of a financial institution. Consumers have no way to allocate payments as needed in an effort to avoid paying interest. The policy now is designed in a way that if consumers want to pay down their XXXX special promotional balances throughout XXXX months each month, they have to pay a monthly minimum first and only then the remaining will be allocated toward promotional balanced. There is no flexibility given to consumers. Unethical and deceptive practices by Citibank.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 can not furnish a account without my written instructions
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

have sent letters to transUnion, XXXX and XXXX in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information
Consumer complaint received 2022-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I dont have the exact dates but a few weeks ago I called to get HELOC checks sent to me as Im doing home repairs. I never got them in the mail and XX/XX/XXXX I get an overnight fee ex package from XXXX XXXX from XXXX XXXX XXXX, XXXX VA XXXX. 

The checks enclosed were for a different customer, which means I have another customer checks, routing and account number in my possession. I called on XX/XX/XXXX to report thisthey said they will log a fraud claim and have someone call Me back. Its now XX/XX/XXXX and I have not gotten a call. 

I called today XX/XX/XXXX and kept getting transferred and no one seems to know the information I reported. 

I need my checkswere my checks sent to someone else??? Any information????
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

HARD INQUIRIES THAT WAS RAN BY XXXX XXXX XXXX XXXX XXXX  DE XXXX ON XXXX XXXX XXXX FOR A CREDIT CARD WITH XXXX  MONTHS REPAYMENT TERMS WITH A DURATION SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX WITHOUT MY KNOWLEDGE OR CONSENT.
  HARD INQUIRIES THAT WERE MADE BY XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  ON XXXX XXXX XXXX REASON UNSPECIFIED SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX  WITHOUT MY KNOWLEDGE OR CONSENT.
Consumer complaint received 2022-04-28
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. (AR)

I am uploading information and my exhibits. This company is in violation. I have tried to fix this matter but the company keeps sending the same response if they respond at all.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent letters to XXXX, XXXX and Experian in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MA)

In XX/XX/2020, I had a large bill which I knew I could not pay, so I decided to switch off autopay and pay a smaller amount. I canceled my automatic payment on XX/XX/2020 ( email confirmation attached ). On my due date I attempted to pay online, but it said a payment was already in process for the entire amount. At this point I was a bit out of it, as I was recovering XXXX and figured that I had forgotten to cancel the autopay - though later when looking through my emails, I discovered I actually had done it. 

I called in that day, the day of my due date, and attempted to make a payment. They refused my payment, saying my old one would have to be returned. I called in about a week later and they AGAIN refused payment, saying it still hadn't been returned, despite my bank saying otherwise. Unfortunately, it seems that some sort of bug in your software prevented this payment from actually going through, despite me receiving a confirmation. I unfortunately did not receive notice until late XXXX, when I received a stack of about 10 identical letters, telling me that the payment failed due to " Unable to locate external ''. I immediately remade the payment again including the upcoming required payment, which went through. 

I eventually made a payment on XX/XX/XXXX, when the system finally let me. Unfortunately this was returned for some reason, despite me having money in my account. Over a month later I received a stack of 10 identical letters, all telling me the transaction failed " Unable to locate external ''. At this point I immediately paid Barclays, but it was over 30 days late, and my credit report was affected. 


Despite my assurance that my account was past due and the original payment would be returned, Barclays refused my payment on multiple occasions. The original payment should not have even gone through, as it was canceled. Had I not been so XXXXk I may have been able to thread the needle pay after they finally let me, and then babysit that payment, but unfortunately I was quite XXXX  and having multiple XXXX XXXX XXXX XXXX  and was not able to fully concentrate on this. I had hoped that making a payment would end up being simple, but there were quite a few issues to navigate, which I was not up to at the time. Making a payment should not be this hard. 

Thank you for your time
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc. (WI)

XXXX XXXX  refused to bill medical insurance for a XXXX  XXXX  exam. 
Claim was sent to medical insurance by the patient to two insurance companies. 
Insurance paid the XXXX place directly for the diabetic eye exam. 
XXXX  place kept billing after receiving payment from insurance. 
XXXX  place put the bill in collection with XXXX  collection agency. 
Phone calls were made to the XXXX place about the billings. 
Patient was told that this was an insurance problem and to call the insurance company. 
Primary insurance paid, then the secondary insurance paid the XXXX place directly. 
The billing continued for months which turned into a collection and credit reporting. 
Patient was told to pay the collection agency. 
XXXX  collections failed to address problem and continued with credit reporting. 
XXXX  place did not update payment records from patient for account in collections. 
XXXX place is now closed in XXXX XXXX.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

2866
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

The Money Source ( XXXX ) holds a mortgage on the home of my elderly mother. The property insurance and real estate taxes ( local , county and school taxes ) are to be paid by XXXX from her Escrow Account. 
Having recently taken over management of my mother 's financial affairs by Power of Attorney, I discovered that XXXX does not timely pay the school tax assessment against her real estate for more than a year, causing the the annual school taxes to accrue interest and costs until such time as a tax lien is placed upon her property. Once a tax lien is assessed against the property does XXXX discharge the tax debt. 
This XXXX practice had caused hundreds of dollars to accrue in interest and penalties on the taxes before being paid -- all of which are paid by mother. In fact, her monthly mortgage payment just increased ~ $ XXXX  monthly because of an escrow deficit which I'm certain is caused by her being assessed costs and interest taxes go unpaid until her property has a tax lien. 
I have written to them twice and yet to receive a response.
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (AZ)

I notified my XXXX Bank Account when I noticed that a ACH Credit was depoisted in the amount of {$600.00} from a XXXX XXXX XXXX PPD ID : XXXX on XXXX XXXX, 2022. 
I informed XXXX Bank that I did not apply or approve any such loan. 
I requested that XXXX bank return this money to this company. 
XXXX Bank did by doing a Reversal : XXXX XXXX XXXX XXXX debt in amount of {$600.00} on XX/XX/2022. 
I then also contacted National Small Loan to inform them of this action and their fraudulent act and that I'd reported it to my Bank. I did this notification via telephone and by email. 
National Small Loan stated they would forward this concern and resolve matter to appropriate internal dept. 
To this date, I am still receiving harrassing and threatening phone calls/emails as though they never received any monies. 
After I also reported to XXXX who sent me this company 's reply which was to pay them {$600.00} and they would resolve the debt, give them authorization to withdraw from my account to retrieve this {$600.00}. 
They already received this {$600.00} that I never requested, I am certainly not giving them anymore money! 
I've also googled them and found similar if not worse complaints from others -- they are scamming/fraudulent company.
Consumer complaint received 2022-04-28
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. (PA)

I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2022-04-28
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. (AL)

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the months of XXXX through XXXX and identified the debt as two charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-24
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: World Acceptance Corporation (IL)

someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and XXXX  this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (MN)

Albert ( banking services provided by XXXXXXXX XXXX XXXX  ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by a friend. Opened an account using his referral link on XXXX and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying it did not track. 
I followed all the requirements correctly. If it's a problem with you application and system, why should I get penalized. 

Further, I also referred XXXX XXXX who also satisfied the requirements for 3 months. Albert is refusing to grant me the {$150.00} bonus for referring XXXX too. 

Request Albert ( XXXX XXXX  ) issue me the {$300.00} bonus ( {$150.00} for me opening the account and satisfying the requirements, {$150.00} for referring another person who also satisfied the requirements.