davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (TX)

My payment of XXXX is due on XX/XX/XXXX of every month I made my 1st payment on XX/XX/2019 of XXXX and was charge interest of XXXX then I made a additional payment of XXXX on XX/XX/2019 and was charge more interest of XXXX. I contact prosper and was told any additional payment has to be made on the same day I make my regular payment or I will be charge more interest, that does not make any sense any other loan company that I have made additional monies to has always applied to principal only if I made the extra payment within the same month.
Consumer complaint received 2019-04-24
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. (OK)

XXXX ; XXXX and Transunion are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a small business customer with Bank of America. I did a bill pay to my landlord on XX/XX/2018. He received the check but when he went to deposit he was unable to. After several months of trying multiple options, it was finally determined that the check had been fraudulently deposited at an institution at which my landlord does not have an account. Once my landlord signed an affidavit that he didn't not receive the funds, we were told the case was sent to the FDIC in order to recover the funds. We have now been told ( months later and only after certified letters to XXXX XXXX 's office ) that the funds have been recovered but there is no explanation as to why the funds have not been credited back to my account. The amount of the check was {$820.00}. I have spent hours over the last 8 months on the phone with customer service representatives trying to understand what is happening with these funds and am consistently disappointed with how my concerns have been handled. In fact, each time I speak to someone, I become more unclear rather than more clear on what is going on with the situation. I am extremely frustrated and feel I have no other way to share my frustration than making a complaint to the CFPB. I will be closing my account with Bank of America as soon as the funds have been credited back to my account.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to SANTANDER CONSUMER USA along with Exhibits stating violations per USC 1692d ( 1 ). SANTANDER CONSUMER USA is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to NORDSTROM/TD BANK along with Exhibits stating violations per USC 1692d ( 1 ). NORDSTROM/TD BANK is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got my account wiped out while in the hospital. Contacted the merchant that was on my statement and they said that my card was stolen and to contact my bank. So I contacted my bank and its been a week and still no temporary return of my money or anything and I have none not sure if I mentioned that I lost almost 15k.
Consumer complaint received 2021-01-15
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I am refinancing with a different company. Fifth Third Bank, in sending the payoff amount, included a late fee. This was prepared in XX/XX/XXXX as you can see. I've NEVER been late nor charged a late fee. They added this fee before the grace period ( 15 days ) was even over! 

I called today, the rep said too bad, that's just what they do and they can't send anything different to escrow XXXX XXXX and this is about to close. 

They are trying to get PAID for a fee I did not incur through escrow! If I hadn't checked my closing documents carefully I might not have seen this, and how many other people have they don't this to? This isn't my first home so I'm aware of charges. This is wrong and they are unwilling to help.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (TX)

On XX/XX/2020, I noticed that there are a number of transactions on this credit card statement which are not authorized by myself. I called the Fidelity Rewards Visa and disputed the charges line by line. The fraud claim # is XXXX. The total was {$11000.00}. I was told that everything is taken care of and I don't need to worry. On XX/XX/2020, I noticed that all those charges initially credited are reversed back to debit to me. The claim has been closed and in the meantime, there are four more charges posted after XX/XX/2020 that are not authorized by myself. So I disputed on these four charges total {$1700.00}. The claim # is XXXX. I do not know the resolution on the second claim but for the first claim, I request to reopen the claim since these charges are not made by myself and and I should not be responsible for them. The reason to reverse the charges back to me which is eluded to me by the company 's representative is that they think I must have authorized the transactions since the physical card is still in my transaction and these card can not be compromised. I have to strongly disagree. Yes, I have the physical card with me all this time. But It did not translate automatically to that I must have authorized them. I know I did not. I have since filed police report with XXXX police Dept XXXX Officer XXXX case # XXXX. In those charges in question, there are charges made at XXXX XXXX and XXXX XXXX XXXX. I believe the credit card company should be able to find who checked in the hotel and whose membership are used along with the charges made at XXXX XXXX XXXX. I believe that these traces can lead to the person/persons actually committed the fraud and to find how they committed the fraud. Fidelity Should make them liable instead of me. If they can locate the person, it would also prove that there is something wrong with the system ( charges made without signature ) and it can be compromised. I just want Fidelity to reopen the claim and relieve me from the debt I am now in. Give justice to me and the society by going after the true criminal.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because I have recently reviewed my credit report and there is an account showing open that has been closed since XX/XX/2020 but is still repays open. And is affecting my credit in a negative way, I was added as an authorized user on the account of someone in XX/XX/2020, and I was removed from the account in XX/XX/2020. The account should have be showed as closed on my credit report but it is not, and it is still reporting as an open account, I have contacted the company who the account was with and they said it is closed and has been closed for months. This means that the credit bureaus are reporting inaccurate information which is a violation of the FCRA.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

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 2024-10-18
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. (FL)

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards 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 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. I have no knowledge of the listed reported inquiries and have not provided any authorization to access my credit file.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd. (NY)

XX/XX/year> XXXX name : FMA Alliance , Ltd . 
File Number : XXXX Current Creditor Account Number : XXXX FMA Alliance , Ltd. XXXX XXXX XXXX. XXXX, TX XXXX Phone number : XXXX I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assign this debt. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2021-01-15
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: Unlimited Progress Corp (IL)

CREDITORS DISCOUNT & AUDIT contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-28
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/XXXX, I received a credit extension from Navy Federal Credit Union. On XX/XX/XXXX, I discussed on a recorded line with Navy Federal employee named XXXX that my credit application was a {$25000.00} credit approval. They have only revealed {$7100.00} and left and unextended credit total of {$17000.00}. The credit union has discriminated against me under the Equal Credit Opportunity Act ( ECOA ) due to non-disclosure of the full approved amount and unjust enrichment through withholding part of the credit to benefit their accounting ledgers. ( Please see attachment-Exhibit 1, Adverse Action letter dated XX/XX/XXXX ) Additionally a private notice was sent to the CEO opting out of data sharing with credit agencies and all 3rd party affiliates , which was confirmed received by certified mail. Despite his request, the credit union continued to reported inaccurate information, breaching the FCRA and more injuries to the damages already inflected. Lastly, a negotiable instrument was accepted by the credit union, implying duty under the UCC to apply it to the account. If this original asset that was even was not returned. If they did not return this valuable instrument with failure to return whole then they are utilizing this instrument.
Consumer complaint received 2021-01-15
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)

While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.
Consumer complaint received 2024-08-31
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. (AZ)

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.