davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

My son, with me as a co-signer, rented an apartment from XXXX until XXXX. My son vacated on XXXX and, after a walkthrough, both parties agreed on a cleaning fee and a small amount for damages. Legal possession was given back to the landlord on XXXX. The company refunded our security deposit on XXXX for the agreed upon amount which included the cleaning fee and the small amount for the agreed upon damages. 

Inexplicably, in XX/XX/2020, they added charges after they refunded security deposit and double-charged for items they had already deducted from the security deposit ( and actually charged more for said items ). They never sent a bill or any notification out for the additional charges ( because they knew that was going to be contested ). So, what they did instead is send the old account to a collection agency 8 months later. As soon as it hit my credit report approximately on XXXX - which is the first time I learned of any purported charges - I contacted both XXXX at XXXX. He did not respond but my son received a ledger randomly. Once I reviewed the ledger, I emailed XXXX as well as Hunter Warfield and neither has responded. That second email was sent on XXXX. 

So, I am having to waste time disputing with each of the credit bureaus this account and am reporting them so that they dont do it to anyone else. Because they rent to college students, it concerns me that this may be a pattern or practice of adding charges after a security deposit is refunded, refusing to respond, and negatively impacting a student ( and the co-signing parent ) credit.
Consumer complaint received 2022-07-01
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)

Experian report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

XXXX XXXX I spoke with XXXX XXXX at First Interstate Bank about the service charge on my account. She informed me it was because my balance was not over {$250.00} when the statement cycle ended. Now, Ive made sure that on the XXXX of the month it is over {$250.00}. 

XXXX XXXX I call First Interstate Bank again as I see that I was charged yet AGAIN another service charge fee. I explained to the CSR on the phone that my account was over {$250.00} on XXXX XXXX and asked why I still got a service charge fee. She didnt know what a statement cycle was and that she had no authority to reverse that fee as she is not a banker. Only a banker was able to do that. I told her I wanted a complaint submitted. As it is not listed on the checking account statement the statement cycle dates. 

XXXX XXXX XXXX XXXX at First Interstate Bank calls me and I asked her when I called her back in XXXX that she informed me the statement cycle was on the XXXX of the month. She said correct, your statement cycle ends on one of those two days. I asked her why I got another service charge fee when my balance on XXXX XXXX was over {$250.00}? She stated that every day it has to be over {$250.00}, and that on XXXX XXXX it fell to {$240.00} so that was why I got a service charge fee. I asked her if my account is over {$250.00} by the end of the statement cycle, it shouldnt matter as it is over {$250.00}. She said that it did matter regardless. She mentioned I could do a direct deposit to the account but I chose not to do a direct deposit to that account because when I started my new position Great Western Bank was in the middle of merging with First Interstate Bank and it was not fair to the finance department to have to figure out where my paycheck was to go to, just because the banks were merging and it would mess everything up due to routing numbers being changed all over again. I expressed that nothing with this merger seems to be good and that I didnt ever have these problems with Great Western Bank XXXX XXXX said well maybe we are more sticklers with First Interstate Bank than when Great Western Bank. I told her I wanted a complaint filled about this as well. 

That isnt right. Even XXXX XXXX is not this bad, in my personal opinion.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (SC)

In XX/XX/2023 I sent out a letter asking this company to validate the debt that they claim I owe. In return this company sent Medical records that I did not allow them access to receive. I did not sign a HIPPA form authorizing this collection agency to access my medical records. This is a HIPPA violation.
Consumer complaint received 2022-02-03
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. (CA)

I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( XXXX ) XXXX.
Consumer complaint received 2019-04-13
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. (NC)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

My XXXX ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Consumer complaint received 2022-07-23
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. (CA)

TransUnion is in violation. 

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (CA)

Id like to raise a formal complaint against klarna services. My account number with Klarna is XXXX. 

History of my case : I made a purchase fromXX/XX/XXXX for the amount of {$8200.00} split over 36 months resulting in a monthly payment of {$220.00}. 

Before my order was shipped, I ended up canceling a few items which resulted in a refund being generated for {$5800.00}. 

As a result my outstanding amount was supposed to be {$2300.00}. Since the refund has been made, I would expect Klarna to adjust the new balance and REDUCE my monthly payments to {$2300.00} divided by 36 to {$66.00}. 

Heres the current issues and questions at hand : 1. Even after reaching out to chat agents and customer service over phone call multiple times, why has the new monthly payment amount not been adjusted accordingly? 

2. Even though my autopay was disabled and my interface shows no payment due - - how did Klarna deduct money from my linked bank account for the recent wrong amount of {$220.00}?????? This deduction was completely unauthorized as autopay was disabled and no minimum payments were showing as due XXXX {$0.00} XXXX
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Home Loan Center, Inc. (IL)

On XX/XX/2022 I received a text from a rep that said he was from The Lending Tree and to advise that I was approved for {$5000.00} loan and to call to go over the details. Advised Rep that I only need to borrow {$1000.00}, he said no problem. So the process was a follow : Rep stated that he needed my credentials from my bank so his accounting department can deposit the money to my checking account. So I did. He then said to go to XXXX and purchase some Gift Cards. Once I am the XXXX parking lot to check my checking account and see if the money was deposited. I did check and the money was in my checking account. I went inside XXXX and advised Rep that there were no gift cards that he was stating. So He said how about XXXX, I said yes, he said at check out chose {$200.00} limit, get 2, next get XXXX and chose {$50.00} which I did. I used my checking account Debit Card and the purchase was made. Next day XX/XX/2022 Rep called me to ask if I had changed my credentials, I told him yes I did, once I saw the money in my checking account, that is when I changed everything. He then said that he would need the new credentals in order to get the actual {$1000.00}. I told Rep that I could not do that as my bank was doing an investigation and would not release the funds until they completed their investigation. Rep was not happy. I told him once my bank has completed their investigation I would call him. On XX/XX/2022 called my bank and was told that they are returning the check the Rep deposited and I was now in the red and would have to pay back my bank. This is how the email heading come thru : From : LendingTree LLC. XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022 at XXXX XXXX  XXXX Subject : Approval Letter From LendingTree LLC. 
XXXX XXXX Direct Line- ( XXXX ) XXXX Customer Service- XXXX XXXX ) XXXX XXXX LendingTree LLC
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I reported a fraud on my social security about an identity theft, which I repoto the relevant authority not only to see those unauthorized transactions on credit reports, both are XXXX XXXX XXXX, I never apiece for any card from.them.
Consumer complaint received 2021-03-12
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. (UT)

The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Avid Acceptance, LLC (TN)

I have been harassed via phone by XXXX XXXX with Avid Acceptance about a previous loan I had with his company. XXXX XXXX I fell victim to a flood and my car that was financed through this company was deemed a total loss. My apartment and all of my family 's contents were destroyed. My insurance company did not pay the full value of the car nor did I have Gap insurance as I was told I had. I never thought to check the information but found out the hard way after my car was totaled out. Insurance then pushed me to get a new vehicle or be without a car or get a rental at my own expense. I spoke with the Avid Acceptance whom told me they would not finance me until my current loan was paid off. I had to go through another company to get a car for my family, clothes, place to live etc. XXXX has been calling my boss stating that I gave her as a personal reference apparently she gets so many calls she begged me to call him, and tell him to stop calling her. I was not made aware that I could make this complaint or even if something will be done about it. I just need him to stop calling my boss. I have tried to negotiate to get this debt taken care of but what I can afford and what they want me to pay are two different things. I can not even get on the website to make some kind of payment because he says he can not agree with it.
Consumer complaint received 2022-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Me and my family went through covid times just like everyone else in XXXX. During that time we applied for a forbearance plan that was not communicated at all. When we decided to start making payments again 4 months later freedom mortgage said we had to either pay the last XXXX months off or do a loan modification. Once we did the loan modification we settled with a XXXX APY and a XXXX mortgage payment. Once I received the documentation, my wife and I had signed it and returned it within the appropriate time. Apparently the paperwork had to be notarized but no one said anything about it. When I called and told them freedom mortgage said they would immediately send out a copy to complete on our end and notarized. I didn't receive the documents ever. Every week I called freedom mortgage to inquire about the docume ts for XXXX months. Once freedom mortgage finally sent me a letter it was about a new loan modification because I never signed the first XXXX. Which is wrong, we did sign them. I have a XXXX on record from freedom mortgage stating that freedom mortgage messed up and never got me the copy of the loan modification. But because they screwed up I missed out on a better rate and mortgage payment price. Now we have been forced to sign a new agreement for a much higher rate and payment. Higher than even my first mortgage payment. I am filing a formal complaint against freedom mortgage on playing the market and the economy against there word. Even with associates admitting to screwing up on this agreement. Please let me know what you need. Thank you.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NE)

I leased a new XXXX XXXX vehicle for 39 months in XXXX of XXXX. I was involved in an accident in XXXX of XXXX and the vehicle was totaled. My insurance deemed it a total loss and the fair market value came much higher than remaining payments plus the residual value of the car after the payment. The financial institution is saying that the are going to keep the excess, but if the insurance pays less the remaining value, I have to pay the difference. That is unfair practice where the consumer is a the loosing side either way. The balance of the lease was {$4200.00} and residual value after lease was {$25000.00}, so total I owe on that vehicle was {$29000.00}. The insurance settlement was {$45000.00} Also, my plan was always to purchase the car at the end of the lease as the vehicle prices have gone up considerably. But now, I have to pay higher price for the new car and I loosing the benefit of getting higher price for my used car.