davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-04-14
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX  affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian for this account there is no payment history for XX/XX/XXXX. The account was not closed until XX/XX/XXXX therefore there should be reporting payment history for XX/XX/XXXX. I want the account deleted because the reporting payment history is inaccurate and I took the facts directly from credit reports.
Consumer complaint received 2022-04-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES BECAUSE OF INACCURATE ACCOUNTS ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My checking account was put on pending closure on XX/XX/XXXX without my consent, I called to better understand what was going on when i wasn't able to use my account. I had a balance for {$4400.00} at that time, and I was advised to wait 30-60 days for the account closure review to be done, and that i will be receiving a letter from the bank, with a check for the funds remaining on the account. I chatted with a rep on the mobile banking app on the XXXX of XX/XX/XXXX, for details on the status of the refund and letter, and he said " I can see here a check was issued on the XX/XX/XXXX and that i have to wait 10-15 days .... Today being the XXXX, i called again to get the status, and the rep i spoke to suddenly told me I won't be receiving a check because i have no funds that belong to me! Contradicting what the previous reps i had spoken to, told me. Now i asked her to explain in details, and she refused. I asked about the letter i was supposed to receive, and she kept dodging the question. I told her i remember vividly the last credit that was made in my account from an XXXX buyer 's purchase, for a watch in the amount of {$8100.00}, and she claimed the account is already closed and she can't provide any information. They refused to send me the letter explaining everything, and have kept my money! Causing me to almost lose my apartment and owe bills. I am tired of banks lying and ripping people off! I want my money back!
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

On XX/XX/2018, I applied for a Citi Thankyou Premier Card because I got an invitation saying I could get XXXX bonus points if I spent {$4000.00} within 90 days. I got approved and I spent {$4000.00} within the 90-day period. But till now I still do not see the bonus points. So I called and the agent told me I did not qualify because I closed a different account more than 18 months ago. I was never notified of this thing when I applied this situation, and I felt cheated into applying for this card for nothing.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NV)

Our Mortgage Company XXXX tried to foreclose on our home. We were in Chapter XXXX and they went to the court and said we were not paying our mortgage and it left us unprotected and this predatory lender to then initiate foreclosure. However we paid them every month. And we proved our payments to them were cashed.

After paying a huge sum of money over {$14000.00} to save our home ( that we are still disputing ) they have written us back with made up accounting and made up letters they said they sent us. You see in Chapter XXXX they are not allowed to send you letters. So we know they falsified the letters. They would have gone to our attorney and the attorney has gotten no such letter. In one conversation they said they couldn't find us. Yet after that letters addressed to us appeared.

I am attaching a letter that details everything. We also have had two forensic accountants that went over everything and said their, XXXX, numbers are wrong. We are missing escrow money {$10000.00} plus and they said they paid our taxes when in fact we paid them all except one time. They paid the taxes which we sent the tax money in as well but the state kept theirs. I can provide the accountants spreadsheet if needed. I am really hoping you can help as it put so much stress on my husband and I that his XXXX XXXX has grown since his last visit. Thank God I had retirement to borrow against in the meantime but I want my money back. I want XXXX to right their wrong.

Thank you
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Flagstar Bank has been charging me XXXX XXXX for months for " insurance ''. They just added the fee and expect me to pay it, without even calling me. 

I have had homeowner 's insurance for 19 years with ZERO lapses in coverage. Flagstar is the most incompetent institution I've dealt with. They never take accountability or responsibility for their actions and inaction. Honestly, I have no idea what these people do all day. They are thieves. 

My homeowner 's insurance is through XXXX XXXX ( XXXX ) : XXXX XXXX : XXXX How is it legal for Flagstar to just add unnecessary fees to my account? 

It should be noted that this same inept institution allowed my home to be sold at a tax sale close to TWO years after telling me they paid the property taxes that they did not. I have never had a late payment and can not understand why I'm supposed to just pay them every month when they can not complete simple tasks as a servicer? 

I have had no less than 5 different servicers and NONE are even close to as amateurish and unskilled as Flagstar Bank.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/XXXX I filed a written claim regarding a Bank of AmericaXXXX scam that occurred on Saturday and Sunday XXXX XXXX XXXX. 
The prejudice is about 3 XXXX transfers obtained from a fraudulent website ( XXXX ) for a value of {$3000.00}, XXXX and XXXX. 
I contacted the BoA /XXXX claim center right away on XX/XX/XXXX ( that was a bank holiday ). Claim reference : XXXX XXXX. The transaction appeared as being processed by BoA was not capable to reverse it. 
This was my first use of the BoAXXXX mobile app and I was misled by the fact that this application is on the BoA mobile banking system which gave me a false sense of security. In addition the risks associated to that kind of money transfer were largely understated during the whole process. 
On the phone BoA claim center told me this transaction was not covered by Regulation E as I gave my authorization ( despite being tricked by the fraudulent website!!! ) and have not refunded any of the money lost after now more than 10 business days.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

On XX/XX/2022 my Experian credit report dropped my credit by XXXX points without any explanation when the other companies actually increased my credit by XXXX points. I have no delinquent bills or debt I have paid all my loans down ahead in fact there is positive points in my report and nothing negative at all. I called Experian without any resolution to this problem.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (VA)

This company is very misleading and inconsistent between representatives. I spoke with representative # 1 in XXXX- beginning of XXXX to make a plan to get my account current. At that time my account was delinquent with a XXXX XXXX XXXX which included XXXX bill of XXXX. On XXXX XXXX I made a {$500.00} payment and the on XXXX XXXX I make a {$500.00} payment bringing the account up to date and current. On BOTH the company website and the App my account reflected CURRENT. On XXXX XXXX my account is now reflecting 3 days past due for XXXX ( which now is accruing interest ). I spoke with a representative # 2 who claimed that I actually owed XXXX which was not reflecting ANYWHERE on the payment DUE on both the App and the Website. The representative # 1 that I spoke with making this plan early Mar/Apr said that what I saw as the payment DUE which at that time was XXXX was what I needed to pay to make my account current. At this time my account is PAST DUE with a balance of XXXX and I have no clue where this balance came from. XXXX has been paid and the account has been current as I stated. Representative # 2 claims that I was supposed to get the balance of XXXX from my statement to be current, but if that were true BOTH the App and the website would have reflected that balance as well, but it did NOT show that balance. This company is VERY misleading and predatory with extremely high interest.
Consumer complaint received 2021-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX XX/XX/XXXXXXXX had originally put this account as being late. After disputing with the credit agencies XXXXXX/XX/XXXXXXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXX XX/XX/XXXX XXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NV)

I applied for help with car repairs. You have 90 days to pay off with no interest on the loan. The loan company left out that if payment is return all the interest roll back on your account. My bank return a payment to them. But with in week the company put back though my account. It was payed. So check my balance. because this month. I was paying off. I only owed {$300.00} dollars. Because the return check they throw out the deal charge me all that interest and fee. They told me it was void out. I told no body told me that. She said its in my paper work. I didnt know that. Thats how they make there money. Thats not fair. I will never deal with this company again. I have been on time with my payed. This was the first time. This company sucks dont care about there customers. This company suppose help you not harm you. Now am owing {$420.00}. This is not fair. They should be shut down just paid loans.
Consumer complaint received 2022-08-06
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. (NC)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

On XXXX XXXX, I contacted Net Credit and was transferred to collections to get help with my account. I told NetCredit Collections that I was having major issues financially due to the COVID-19 pandemic. I was really upset about the death of my co-worker and unexpected job closure that took place in XX/XX/XXXX and should've waited to call NetCredit. They told me they would defer the due payments to the end loans and that gave me relief until I could figure things out. Today I ( XX/XX/XXXX ) called and said I'd pay XXXX on XXXX from stimulus check. ( I need to get better ) They told me I have two payments due and account is past due.I was very upset because when I called for help they assure me not to worry because who knows the timing to the end of COVID-19 pandemic. They told me I have a past due balance for XX/XX/XXXX that was declined and another payment due. Now I'm stressed all over again trying to reach out for help and to make arrangements to pay didnt work for me and keep I recieving past due notices when I thought they'd help me during this crisis. This is terrible!!!.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (GA)

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-20
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. (FL)

I've recently discovered that there is unauthorized information in my name being used on my credit reports, I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports so I'm insisting they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I've reported the theft of my identity to the federal trade commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-09
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. (MD)

I have sent documents necessary to have all accounts and inquires listed removed. Please provide documented proof of alleged indebtedness or proof I made the inquiries or remove and block these accounts immediately.
Consumer complaint received 2019-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (VA)

This car belonged to my daughter and never had anything to do with it. I didn't know the bank how much her monthly payments, she was late twice and she missed XX/XX/XXXX, XX/XX/XXXX and day before XXXX she was taking her children out & they ran back in and told her they did not see the car. She had groceries in their and of course after learning where car was to get her things food was bad. My problem is I am also on that loan, although I thought my daughter had removed me. I was never contacted by Santander Consumer USA and it was in me trying to refinance my home, I learn all the particulars to this car. From my mortgage banker with XXXX XXXX and XXXX XXXX  I learned the acct # and the phone number for Santander and I also learned that they had reported this on my perfect credit report and caused my score to drop 100 points yet no one contacted me about anything and when I tried to contact them I learned in a weeks time, after holding on the phone for an hour or more and telling the story over and over again on all the transfers that kept being done, and then finally getting so they claim the right dept., then being asked to hold a min. I held on for 15 or more mins. each time for the phone to be disconnected on me! I realized no one was going to talk to me. I am a XXXX widow of a VET who died from war and on a fixed income, and whether I was or not to be treated like this. Put this mess on my credit report but no contact me and I am on the loan or talk to me. Finally got my daughter to try and call after no one would talk to her because they said XXXX she did not have a job. I have learned thru my lawyer they had no right to say that. All they should have been concerned about was getting the 2 months owed and that was her right, if they were reputable which I now know they are not. No one would talk to me but my daughter got thru on XX/XX/XXXX and called me back in 5 mins. She said they said she needed to move fast because car was on the block and they would only except full payment. In between my JAG lawyer on XXXX XXXX, VA and my mortgage banker I finally got someone to talk to me yesterday, XX/XX/XXXX, and as nasty as she was to me, she tells me that the XXXX XXXX XXXX was sold for {$3400.00}. How is that possible when on XX/XX/XXXX my daughter told it was still for sale. I believe that it probably was auctioned on XX/XX/XXXX because my friend tells me that is when car auctions are held on Saturdays and so I now believe reason I could not even get anyone to speak to me. I would like my credit back the way it was and Santander denied me any remedy because they never contacted me of anything. Thank you!