davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am shocked to see my Credit report being infested by a large amount of erroneous and fraudulent items that were indiscriminately reported by the Credit Bureaus. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission and I need you to remove the these items as soon as possible : XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

I obtained a small personal loan through Opp Loans online, and the process was questionable. They required the log in information for my bank, and after the loan was " approved '' and I changed my password, they required additional information, which included access to my bank accounts again. 

After making about 10 payments or so, I had some financial difficulty around XX/XX/2020, as many others. I emailed and called, spoke to " XXXX '' and she said she would waive interest and any fees, and push my next payment out to XX/XX/2020 with their " Borrower Assistance Program ''. 

On XX/XX/2020, I used online bill pay through my bank to send a check to Opp Loans for {$300.00}, more than 2x the amount of my previously scheduled payments. I did this early so they would receive it before XX/XX/XXXX. They never posted the payment to my account. It was received by them ( and stamped ) on XX/XX/2020, and cashed/cleared my account XX/XX/2020. I have emailed many times, and called, and they insist that I never paid. In addition, they charged interest an additional fees to my account, going against the arrangements made under their " Borrower Assistance Program ''. 

Today is XX/XX/2020. When I called Opp Loans and spoke to one of their reps, he claimed that he did not receive my email which had 2 screenshots showing the {$300.00} was taken from my account, and claimed that the payment was never received. When I told him I would go to the police department to file a report for fraud, he got angry, kept cutting me off while I spoke, and yelled that he could transfer me to the payments department. Someone at Opp Loans has my payment. They already ripped me off with a 160 % APR, so I am repaying almost double the loan amount. Even when I provided the reference # and check # from the bank, they ignored my emails. Two hours after mentioning that I would file a police report, Opp Loans reported false information to XXXX  about my current balance in retaliation.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX : XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secured creditor with power of attorney general, and Executrix on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 
BANK OF AMERICA HOME LOANS, must herein provide a true and certified copy of the complete audit trail of said accounts. furthermore, in order for BANK OF AMERICA HOME LOANS to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please settle account immediately within the next XXXX days.
Consumer complaint received 2017-09-12
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. (FL)

There was a breach of security at Equifax with my personal information made vulnerable along with 140 million other individuals, and per their report on their website, my information is at risk. This places me under duress that my information can be stolen and my identity stolen, which can lead to significant impact on my life and my family 's lives in the future if it is stolen. This company did not have proper protection in place as evidenced by the significant amount of impacted individuals.
I have already placed a 90 day free fraud alert on my file. I also have obtained my free annual credit report from XXXX and XXXX. I have been unable to obtain my credit report from XXXX for some unspecified reason per the website. I have sent a written request for my credit report from them today XXXX. 
Equifax has not contacted me that my information is at risk, I had to find out on my own and check their website to discover this. 
I believe that one year of credit monitoring and fraud protection is not sufficient protection for the amount of people affected by this attack, nor is the punishment of the company reflective of the significance of this attack. In addition, signing up for their protection for one year voids our ability to pursue legal recourse in the future if our information is used past the year of protection.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AR)

XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.
Consumer complaint received 2024-08-27
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. 
I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. 
Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. 
Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. 
Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. 
Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. 
This is not my fault, and Navy Federal is bullying me when I am not responsible. 
I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (CA)

I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Consumer complaint received 2024-08-27
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2017-09-11
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. (MI)

My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via a major News Outlet.
Consumer complaint received 2017-09-12
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: Experian Information Solutions Inc. (CA)

In correspondence dated XX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my IDs and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XX/XX/XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

XXXX year ago I submitted a complaint and at the time US Bank claimed to have resolved this issue and sent me a letter saying that it has been resolved. This month I received a letter saying that the same issue has continued to happen. Please see case number : XXXX. 

I originally had a loan with XXXX XXXX Mortgage XXXX and that loan was sold to US Bank. At that time XXXX XXXX XXXX XXXX XXXX signed over and sent the money orders to US Bank. US Bank claimed to have not received the money orders initially but then said that they have received them but had not cashed them. They were charging me late fees and reporting missed payments on my credit report due to this issue. My XXXX XXXX has dropped more than XXXX points due to this issue. I received a letter on XXXX of XXXX stating that this issue was resolved and that they would update my credit report. Although my credit report has not been updated, I had n't heard anymore about this issue until XXXX of XXXX saying that the money orders were either not received or not cashed. The only option they gave was placing a stop payment on the money orders which comes at a cost ( that they are not willing to pay ) and that process takes at least XXXX weeks. In the meantime they are still reporting negatively on my credit report and charging additional late fees. Please help.
Consumer complaint received 2020-05-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (MD)

I have been unemployed since XX/XX/XXXX due to the pandemic. I was able to make my lease payment thankfully in XXXX with Ford Motor Credit. Unfortunately, since I havent had any income coming in, I wanted to reach out to Ford to defer my payments for few months. When I called them to ask for help, they advised me that Id be charged {$200.00} per deferred payment. My payment is {$680.00} and the fee is is a whopping 30 % of my car note which is beyond crazy. Every other creditor that Ive called was able to defer my payments without any fees. I tried to reason with them and explain my situation as many other affected people, but unfortunately they were no help. The representative told me that I was the million and 2nd person that called and said the same thing. I was shocked as so many other people are affected and were treated with this type of predatory fees.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (GA)

On or about XX/XX/2019, I received a collection notice from First Credit Services , Inc., ( FCS ) for a payment allegedly due to Fight For XXXX XXXX, XXXX XXXX XXXX  in the amount of {$650.00}. On or about XX/XX/2019, I mailed a written response to FCS responding that I disputed their alleged debt because I had never had an account with any entity named XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/2019, I received a notification from a credit monitoring service I subscribe to indicating that FCS, without any further communication to me nor response to my mailed correspondence, had added the above-mentioned account to my credit report as a collection. It is unlikely that FCS had the time to conduct a thorough investigation of my response and they failed to contact me with the results of their investigation of my dispute. 

After conducted my own investigation, I discovered that I had a membership to a health club named XXXX XXXX that I cancelled in XX/XX/2019. I changed banks in XX/XX/2019 and, in doing so, evaluated all my recurring expenses, including the account at this health club. Considering I had not been to the health club in nearly 12 months, I deemed this membership unnecessary. I contacted XXXX XXXX  XXXX and provided written notice as required in early XX/XX/2019. In early XX/XX/2019, I began receiving robocalls advising me my payment was past due. These robocalls provided no operational call back number, so I visited XXXX XXXX XXXX and was told that cancellations could take as long as 60 days to process. Since I cancelled this membership, I do not owe a balance.