davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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. (WI)

All student loans ( both Federal and private ) that were on my account with XXXX were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, XXXX is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright anger. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute this address that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Commencing on or about XXXX XXXX XXXX XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by clones of ''Internal Revenue Service '' and XXXX XXXX XXXX  XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my Bank of America account to fraudulent investment firm ( s ) through " XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Credit Control (CA)

Continental Credit Control - XXXX Continental Credit Control called me on the following days : XXXX at XXXX XXXXXXXX I phoned them back at XXXX XXXX and left a message to not call me again, but to mail communication to me so I may research to see if in fact any debt is owed. 

They proceeded to call me again on the following days and times : XXXX - XXXX XXXX., XXXX XXXX., XXXX XXXX XXXX. and XXXX - XXXX XXXX. 

On XXXX I answered the phone and the person wanted me to identify myself before they identified themselves. I asked who they were and when I wouldn't allow them to control the direction of the conversation, they hung up.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CO)

To whom it may concern : I was a victim of fraud by someone that was claiming to offer me a job. I was furloughed from my job on XX/XX/2022. While looking for employment, I was sent an interview request by XXXX XXXX XXXX ( attached ). 

I was emailed the job details ( attached ) prior to the interview. 

I interviewed ( I am not 100 % positive of her name ) I believe XXXX, via zoom call on XX/XX/2022. I spoke with her at the zoom phone number ( XXXX ) XXXX. I went through an interview process with this young lady and had a 2nd interview with a gentleman. After the call was completed, I was sent a job offer ( attached ). 

On XX/XX/2022, @ XXXX XXXX EST, I sent the signed offer letter, XXXX XXXX , and a direct deposit slip. ( attached ) On Monday, XX/XX/2022, I sign on to training. It was a few people on the call. Getting to people and benefits and things. Right before we took a lunch break, they asked us to send money for our equipment. That is when I logged off because something was wrong. 

Until yesterday when I received an email concerning my appeal, did I even realize that this is what could have happened? I Googled the XXXX scam and sure enough, I was scammed. ( Article attached ) Today, I went to the Credit Union and explained to them what I thought occurred. I was advised to send in documentation of the events. 

I have several documents to send to verify these accounts. Also, after I closed the account the money was taken. I opened a brand new account and two days later there was two more {$5000.00} request on the new account. I don't know if this is someone who works for the NFCU however it is highly suspicious. 

Please let me know how I should proceed from here. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard MOV was used. Cushman vs Transunion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its Vehical back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Neon Newco Corporation (CA)

On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XXXX XXXX  refuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A debt consolidation check for the amount of XXXX was sent out XX/XX/XXXX to  Capitol One Bank in NC on my behalf from a third party XXXX XXXX XXXX. After a month of waiting there were reflection of the check applied to my account so XXXX XXXX XXXX canceled that check and sent another one for the same amount of XXXX on XX/XX/XXXX with a Tracking number. The tracking number shows that the check was delivered to the XXXX XXXX XX/XX/XXXX. Today XX/XX/XXXX, a representative from XXXX XXXX XXXX and I spoke with Capitol One representatives XXXX and Senior financial officer XXXX and out the situation. It was said that the checks are shredded which means that they are shredding checks without confirmation it was applied to the account. Since then interest has been accruing on the account
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (NJ)

I filed a complaint with you in XX/XX/XXXX under XXXX. N26 responded to you stating that they needed information, but this was information that I had sent to them multiple times. They have all the court documents and everything they need, but they continue to not reply and give me the runaround. I have provided all instructions multiple times to get this check sent to me to deposit into the state account. I have been trying since XX/XX/XXXX to get this check from them. They sent me an express letter stating that there was a check sent to my deceased brother 's old address and the check was never cashed. They just responded to your office to get you to close the case. This is the 2nd complaint I making to you about the same matter. I have proof that I have sent the same documents to N26 that I have sent to other banks to close my brother 's accounts and remit funds. Please refer to my initial complaint under XXXX and ask N26 why haven't they sent the check to my address. If they come back and say they sent it to the address on file, that makes no sense because my brother died and that address is not valid. I also have mail forwarding in place to get his mail. I sent emails to N26 after I sent the first complaint to you and they still have not replied. They are just playing games. Ask them for proof that they sent me the funds for my deceased brother with a date in XXXX. Let 's see how they stall the process again. I provided them with a Letter of Instruction and a court order from probate court which allows me to provide directions on how to handle my brother 's account and any remaining funds. 


Here is an email I got in XXXX after I sent them the requested documents again. I have not seen anything and they have not replied to my emails. 

On Monday, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, N26 XXXX XXXX XXXX wrote : N26 Hey, This is just to let you know that your request has been received by the N26 team supporting former US customers . You should expect to hear back from us within three business days. Our Support team works Monday through Friday. 

Thank you again for being a valued N26 customer. As you've been notified over the past few months, N26 products are no longer available to customers in the US and all accounts have now been closed. Our customer support team is still on hand to help with the transition. 

If you had a balance of more than {$1.00} at the time of closure on XX/XX/XXXX, we will be processing a check for the remaining funds in your account and mailing it to the address on file associated with your account. 

Any incoming deposits ( such as paychecks ) or external bank transfers will bounce and be returned to the senders account. You will need to contact your employer and find an alternative method to receive the payment. 

Please note if you are a customer from the XXXX, please email the XXXX team at XXXX 

Kind regards, N26 Customer Support Team
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I bought my car XX/XX/XXXX. Everything was fine after that. A year into my loan I was being charged extra fees I had no idea about. Welk that stopped after I complained and fast forward until now. I called XX/XX/XXXX and was told I owe a whole payment but was never told for what month after several and several times asking. XX/XX/XXXX I looked at my XXXX  XXXX  app and saw where my interest rate is 19.38 percent. But my paperwork says 18.00 percent. I called the finance company and they had no answers for me what so ever. But another year was added to payoff. My loan is only for 6 years and that is until XXXX. I cant get answers out of anyone. The finance company is Santander Consumer
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have reviewed my mortgage statements from XX/XX/XXXX to XX/XX/XXXX and they include fees and charges which I do not agree with, are in breach of the contract I signed, are unreasonable and I allege unlawful. These fees include : - an appraisal without my knowledge and not for the purposes of home valuation in connection with a refinance. 
- inspection fees which were not performed by a licensed that have appeared and then credited haphazardly and randomly - late fees assessed when mortgage payment was not paid after grace period - interest charged on fees that were not agreed to, unreasonable and allegedly unlawful
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

CashApp imposed a 3 % fee for a money transfer. Unbeknownst to me, XXXX treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to CashApp 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither CashApp nor XXXX provided clear information about these charges. 

I argue this is deceptive for the following reasons : 1. Non-Disclosure by CashApp : CashApp markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that CashApp incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. 

2. Misclassification by XXXX : When a user employs a credit card on the CashApp platform, CashApp essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, XXXX 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. 

3. Junk Fees and Double Charging : If the 3 % fee charged by CashApp is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if XXXX applies a cash advance fee and then also charges CashApp for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. 

In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX
Consumer complaint received 2018-11-27
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. (OH)

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX