davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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. (CA)

everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (IA)

XXXX XXXX  XXXX XXXX, is claiming they are the new servicer and that XXXX  XXXX XXXX is the new owner, with at XXXX XXXX XXXX  as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX REMIC and do not believe it can be removed from a tax exempt REMIC trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from XXXX who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against God 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, XX/XX/1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka Satan 's minions.

as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX/XXXX  XXXX  XXXX  ) and their Oath to the XXXX XXXX of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''
Consumer complaint received 2020-02-16
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. (AZ)

I discovered that XXXX XXXX , XXXX accessed and reported supplemental information about my to TransUnion, and utilized 3 services to do so : XXXX  XXXX  XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 XXXX XXXX , XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows XXXX XXXX XXXX, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.
Consumer complaint received 2020-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Colony Brands, Inc. (AZ)

Account # XXXX I ordered a set of cookware. Received in good condition and made a payment of XXXX. Keep getting calls of non-payment. I sent them proof of receipt of payment through them and transaction ID. I even sent them a screen shot of my account on XXXX XXXX web site. They still continue to say they did not receive a payment. They want me to send a bank statement which I will do but need at least a month which they will not give me. I use a XXXX XXXX debit card issued through social security. XXXX XXXX showed the payment. I will not send my social security debit information due to security concerns. I told them to close my account after I pay the balance of what is owed according to me and proof of payment which I sent them! 

Thank You For Your Payment Print or save this page for future reference Transaction Number : XXXX Payment Amount : {$72.00} Today 's Payment Date : XX/XX/2020 XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/2020 Available Limit {$0.00} Balance {$0.00} Credit Limit {$0.00} Did you know? 
You can earn credit limit increases with timely payments! 
Terms and Conditions Many others have reported similar issues with this company resulting in false credit reporting of the customer. I am in the process of trying to repair my credit and this would be very unfair.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers
Consumer complaint received 2020-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

Throughout the years, I have struggled to pay down my student loans when the interest is preventing me to do so. I am making payments over my minimum payment and the balance continues to grow - because the interest is so overwhelming. 

I can not get anywhere near the principal loan - and with the thousands I've paid over the years, my loan balance has increased by thousands as well. I'm up to {$65000.00} in student debt, even though I have been paying for years, to no avail. I am a teacher - I took out loans to advance my degree in order to get a better teaching job - but now, I'm barely able to make ends meet with trying to pay my student loans, which keeps increasing. 

I have reached out to Fedloan Servicing - the response has been deplorable. There is no relief from the company and they are not able to help when it comes to the amount of interest being placed DAILY on the accounts. 

The interest rate is criminal - and the company is making money off the backs of students who are trying to get an education to better their lives. There must be something done for those who are loyal payers to their student loans - but are unable to break through the interest to actually pay down the principal. 

My disgust for this company and the federal government allowing loan servicer to take advantage of students is ever growing. The debt is crippling and being a teacher, there will be no way for me to ever pay this off as long as the company continues to be allowed to put interest on the accounts daily. Something has to be done - these companies need to be held accountable - even if it means their CEO 's have to take a break from their luxury vacations on the backs of hard-working people.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America on XX/XX/14 answered my complaint and I want to make a petition and denounce the bank of america since my fraud was for XXXX $ and they only gave me a credit for XXXX $ claiming they are out of time, which is something messy lince the cfpb gives them 60 days for a final answer and they have made a bad decision messy and premeditated alevosia, since they only recognized me few transactions of low amounts ignoring the higher transactions so as not to recover my stolen money and the CFPB does not fine and this is a crime for consumers, request the attention of cfpb with this bank that is doing us harm to the Americans by not respecting the American standards I demand that the total lost and stolen from my account of these unauthorized payments be recovered and that this bank authorized by not blocking my card for the unusual use registered I ask the cfpb to help me in this claim and make a complaint to this bank for its irresponsibility when wanting to forward my claim to XXXX since the fraud transactions of these unauthorized payments were in this way and that XXXX reimburses me the total missing in this way the bank of america being the issuing bank of the card involved in this claim has the obligation to respond to any fraud with this card since they are the ones that take control of our money and the payments with our cards being the payments authorized by the holder for an amount of XXXX $ subtracted amount without my authorization of these unauthorized payments in my account XXXX, claim numberXXXX  Bank of America
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (VA)

I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.
Consumer complaint received 2020-01-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Despite providing proof of insurance at time of vehicle purchase, First National Bank of XXXX, PA Ph # XXXX forced a {$5000.00} auto insurance policy on me. In 30+ years of purchasing vehicles, I have never had this happen. 

1. They made no attempt to contact me to discuss this matter over the phone. 
2. I only received a mailed notification after they already implemented this unauthorized charge ( they conveniently added it to the principal of the loan, probably hoping I wouldn't notice ). 
3. I was told by 3 different people at FNB that I would receive a full refund once they reached out to XXXX XXXX to verify that I had the insurance policy at the time of vehicle purchase. 
4. To add insult to injury, they only issued a partial reimbursement of {$3000.00} on XXXX. 

I don't see how this is anything but extortion. Where is the consumer protection in this type of egregious banking behavior?
Consumer complaint received 2020-01-22
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. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2020-01-22
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 recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2020-01-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CREDIGY USA CORP. (NY)

I have sent multiple letters and made several phone calls to this company with no results. In XXXX I received a Line of Credit loan from XXXX XXXX line of credit. This line of credit was based on a REVOLVING line and interest rate. Several years into the loan it was sold to a company called Zelkova Acquisitions LLC.  My payments were based on the amount borrowed and the interest rate. I want to stress that this was NOT an installment loan but rather a revolving line of credit. The law REQUIRED the Zelkova honor the full terms and interest rate of the original agreement with XXXX. As my balance was approximately XXXX dollars my monthly payment was essentially the same save a few dollars each month as I was mostly making an interest payment. 

In XXXX of XXXX I made a significant payment to the account which reduced the balance on the account by almost {$10000.00} dollars. As such, the corresponding monthly payment should have come down dramatically based on the interest rate that would have been applied to the then smaller owed balance. Yet for MONTHS after this occurred I was still charged the same amount as I had been paying for the prior balance of roughly {$14000.00}. I made multiple requests of Zelkova to remedy that situation only to be rebuffed. When I explained clearly that the account was a REVOLVING Line of Credit that it was not only improper but it was in fact ILLEGAL for Zelkova to bill be a set amount each month. My payment was based on the amount of money owed applied to the interest rate, logically then if I owed XXXX dollars at X amount of interest the payment would be dramatically less if that same interest rate was then applied to a remaining balance of let 's say XXXX dollars. I tried to no avail to explain to Zelkova that they were charging me hundreds of dollars in interest that I was NOT obligated to pay based on the new smaller total balance. I feel that Zelkova owes me hundreds of dollars back due to overpayment of interest based on their fraudulent billing of my Line of Credit over the last 6-10 months of the loan.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

Hi. 

I transferred my funds via the bank transfer option available on the Way2Go website. I provided the correct routing and bank account number. Ive waited and waited, and it has been more than enough time for the funds to show in my bank. Ive asked my bank, and they dont see anything either. 

However, on the card activity, it shows Transfer ( name of my bank ) /cleared. 

The money is literally missing. And there is not one single way to speak to a human being. Ive called and been going around in circles with people giving the same numbers, which either say they are not in the same department, OR its a complete automated line. 

Finally I found ONE customer service number that actually seemed I was going to be able to speak to a human. I called, and I stayed on hold for 20 minutes. A generic recording telling me all our representatives are busy, please continue to hold. I completely understand it takes time and have no problem waiting. However, it started to seem as though there was not even anybody on the other end at all. The same recording and horrible waiting music continued for 20 minutes and I hung up. 

I have no way to find where they put my money. The card balance is {$0.00}, so the funds went somewhere. But where? Its not possible to ask a human to look into the details to see if there was an error, if its gone into someone elses account, etc. I am not a difficult person, but this is just absolutely ridiculous. 

How does money disappear into cyberspace? Why is there not any possible way to get actual help when these things happen? At this point, I am more upset that there absolutely nothing I can do about the missing funds. This is child support money. I am living paycheck to paycheck. My power bill and car insurance is due. I need help. Please help me.
Consumer complaint received 2020-01-22
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. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was applying for a job in XXXX and it required credit check and I was not sure what I clicked but I didn't sign up for anything. There was no receipt or anything, but Transunion is starting to charge my credit card for XXXXmonthly and I didn't sign up for it, as there were no receipt or anything like that. 

There is no contract or receipt or anything like that, so I don't even know what I need to cancel. Next thing I know is that Transunion is start charging my credit card.
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (TX)

Midland mortgage is reporting differently to all three bureaus, XXXX credit and XXXX midland reports me being late XXXX XXXX XXXX and XX/XX/XXXX. At XXXX, midland reported XXXX and XX/XX/XXXX as being late. I was late in XX/XX/XXXX only. I submitted a letter to midland mortgage from the post office mid XXXX and it was corrected yet they turned right back on and reversed it. I called XX/XX/XXXX and a rep advised that midland has me late for XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX which is false
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

The account opened XX/XX/2018 I have made some payments but have struggled to make payments. Between school, working a low paying job, and acquiring a random dog who needed help I got the XXXX XXXX   to save his life and I still XXXX until this day. Not knowing much about credit, I got the card. I have been in contact with them on several occasions, its never been a rude experience. I did want lower payments ranging from 20-40 a month but the lowest I could get was XXXX.