davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: National Credit Systems,Inc. (DC)

XX/XX/2023 I was alerted by credit reporting agencies that there was a change to my credit report. I logged on to find that there was an added collection account for the amount of {$7000.00} from a XXXX At XXXXXXXX XXXX XXXX I was immediately concerned because I have never rented an apartment. I looked further into my credit report to find that there was a false address as well. Whoever did this was able to acquire an apartment fraudulently, using my information. They did not have my I.D . as my I.D . has been on my person, and has not been lost.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.
Consumer complaint received 2020-05-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

It was early 2018 I was staying with a friend in XXXX Texas I left my car door open and at night someone broke into my car and took my wallet which contained my Id my social and my birth certificate had to get a new one of everything after that I noticed false information on my credit tried to dispute it several times but dint have a police report to back my case because i never thought I would have to get one never called the cops only talked to the people at the apartment complex hoping thee would be cameras I currently live in XXXX Texas with my father and its been hard trying to get a place because all this false information on my credit
Consumer complaint received 2022-10-05
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. (PA)

EQUIFAX did not do a proper " investigation '' according to the FCRA. 
XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes 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 the consumer is acquainted or who may have knowledge concerning any such items of information. 
EQUIFAX Did not do this. 
Also EQUIFAX has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
EQUIFAX stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2021. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account XXXX XXXXXXXX XXXX the dates OPENED are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
My right as a consumer have been violated Based on the following laws : 15 USC 6802 ( b ) 15 USC 1666 ( b ) 15 USC 1681 Sec 602 ( a ) - I have a right to privacy Please update all payments on the account to on time.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-10-05
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$45.00}
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this due to non-compliance with the ( XXXX XXXX TransUnion ). They have failed to remove information that was affiliated with personal details that were  challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AL)

I opened a loan with One Main Financial in XXXX, I made payments and have had XXXX occasions where I had to do a deferment and one where I had to do something that they tell me that makes no sense to me, My original payout date was XX/XX/XXXX due to this being a 60 month loan. Because of the deferments and the other that I had to do that pushed me out to XXXX of XXXX. 
The problem is that after 4 years of my {$300.00} per month payments I still have a loan balance of {$5400.00}. They charge a fee of over {$5.00} per day in finance charges. I have spoken with 6 different people and everyone has told me that I will continue to accrue finance charges daily. If I were to keep paying my payments every month until XX/XX/XXXX they would have to take every dollar of that payment to pay off that loan balance. This does not include any finance charges. 
I have tried to resolve this on several occasions and no one there can explain to me why my balance has not came down. I have not received any return calls to explain this I am only told that someone will call me back when they have the answers. 
To date I had a {$8000.00} loan and have paid back {$14000.00} with a loan balance of {$5400.00} still. If I continue to pay them the {$5.00} per day in finance charge and the remaining balance of the loan I will pay back {$28000.00}. 
I feel like this company is taking advantage of people who will not question them in the payback process because they are happy to get the loan. I feel like I should be able to get the answers that I have repeatedly ask for. I think that the finance process with this company should be looked at and should be better explained to the clients who come there to get a loan.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NCB Management Services Inc. (TX)

This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of the sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 15 USC ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you removed the below-mentioned information from my Consumer Report ( Account # XXXX ) within 5 business days. If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint is that Bank of America discriminated against my wife and I because of our age and retirement status in processing our application for a home equity line of credit- application # XXXX for {$150000.00}. 
We are both age XXXX. Our home is valued at {>= $1,000,000} by the XXXX Department XXXX XXXX, and eventually by Bank of America. Our home has NO mortgage. We have Social Security and pensions, with combined income of {$17000.00} per month. Our credit scores are XXXX or above. 
The following time line and events demonstrate how Bank of America manufactured reasons to delay our loan. 
XX/XX/XXXX - Faxed documentation to Bank of America loan application, copies of last XXXX years tax returns, 1099 's, etc. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) told me outside date for completion was 12 weeks, i.e. end of XXXX. 
XX/XX/XXXX - Follow up request for more documentation. 
XX/XX/XXXX - Documentation submitted. 
XX/XX/XXXX - Copy of latest checking account statement requested and e-mailed. 
XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX XXXX ) stated underwriting team required verification that our pensions were lifetime duration! My pension is from New York XXXX, my wife 's from XXXX. 
XX/XX/XXXX - XX/XX/XXXX - Bank of American requests numerous documents re a one bedroom condo inherited by my wife in XXXX. Mortgage of {$56000.00}, XXXX Department XXXX XXXX valuation of {$93000.00}. 
Approx. XX/XX/XXXX - XXXX XXXX states underwriters returned application to him to ascertain what were the automatic deductions for {$75.00} and {$100.00} on our checking statement. 
XXXX XX/XX/XXXX - Bank of America requires a profit and loss statement for the current year of my wife 's XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX Books, operated out of our XXXX for which our tax returns reflected total sale of around {$5000.00} annually. We had to have our accountant create one. 
XX/XX/XXXX - Bank of America required another credit check because ones done at beginning of application process had expired. 
Our home insurance carrier, XXXX, notified us on XX/XX/XXXX that Bank of America had been added to our policy as a mortgagee. Our loan was NOT approved until XXXX, a time period almost twice as long as Bank of America initially advised us!
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank has put a XXXX hold and frozen account without explanation. No one is able to explain on a call what happened. Spent over XXXX hours chasing this. numerous disconnections, and transfers between dept A to B to C etc. Very frustrating. No other way to contact the bank and resolve this issue. As a result, the account is frozen. Unable to make payments, receive deposits etc. Causing a major life disruption. Bank is completely unresponsive and does not provide a way to reach them at all. Deliberately disconnects and transfers to random departments w/o rhyme or reason.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my Transunion account from XXXX services stating that my account was increased by {$200.00} between the months of XX/XX/2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.
Consumer complaint received 2022-10-05
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: SANTANDER HOLDINGS USA, INC. (NC)

My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. SANTANDER CON- SUMER , USA has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXXXXXX XXXX which dated back to 2018. Ive been living in XXXXXXXX XXXX for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC (TN)

Source Receivables Management - XXXX, NC continues to try and collect a debt that was bought from XXXX that falls under my XXXX  XXXX filing. 
I have sent documents that show when they were sent the court order to cease and desist.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I filed my original complaint in XX/XX/XXXX. The complaint was a 2 part, and within that 2 part complaint, 1 was resolved. The other Fifth Third states they resolved, but I do not agree with the final resolution. 
I applied online XX/XX/XXXX for a hardship program that would allow me to lower my monthly payment and interest rate. This resulted in being approved for a XXXX XXXX monthly payment. For my last complaint I was advised that when I entered the hardship assistance program my account was past due {$40.00}, which identified as a LATE FEE. Nowhere during my application process was I told I had a late fee. However, when I called later after I identified that Fifth Third reported me delinquent for XXXX, XXXX, XXXX and XXXX, that if I had applied through customer service, they would have told me by phone that I had a late fee, but that option is not given through the online application process. 
According to my previous complaint, Fifth Third states there was a payment offer screen displayed during the application process. I do not recall this payment screen ( as I would have made the {$40.00} late payment ) and Fifth Third can not provide me a copy of the disclosure/agreement that I agreed to online. I have and in my previous complaint, stated that I have asked Fifth Third, now 10 times for a copy of this agreement, and still have yet to be given a copy. It is their word against mine. I have even tried to go back in to apply for another hardship program, but the website states " To discuss your account, please call us at XXXX to talk about your financial situation and explore options. '' Meaning- I can not show that there was or was not a payment screen that populated during the application process. To me, with my original complaint caused the online application to be looked at and it was fixed. 
I have been a XXXX holder with Fifth Third since XXXX when I was an XXXX, and in the past, haven't had any issues with reporting ( minus one issue in XXXX? ). I have always paid my balance due, and even included late fees when assessed. I wouldn't let this go delinquent knowing if I had a late fee to pay. 
I believe that the online application process was falsely advertised and caused me financial harm in the process. 
I want to be given a copy of the agreement that I applied for online. I am required to be given one if I ask. I have not received any agreement to this application/program and even was not given a copy at the time of application. 
When I spoke with the last individual who handled my complaint, she said she couldn't give me a copy, but it was an image given to her of the " pop up screen. '' I was given a copy of " Important Information Regarding Your Account Payment '' and within this document, it does NOT state anything regarding " If your account is past due, hardship assistance will not change that. '' I dispute this whole thing.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX