davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
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. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (TX)

I sent a check for XXXX $ on XXXX, XXXX, XXXX and here we are the XXXX XXXX and I received no credit for the payments and they charged me significant interest when the payment should of resulted in a pay off of the loan. The practices at Greensky are illegal. They have held other cashier 's checks that I have sent and did this before
Consumer complaint received 2023-10-19
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX, XXXX Reached out to Bank of America because the XXXX XXXX that they provided was incorrect ( attached ). The analysis clearly shows that Bank of America included the XXXX XXXX of {$1400.00} twice ( XX/XX/year> and XX/XX/year> ) - this miscalculation resulted in a deficit in my escrow account, so Bank of America increased my mortgage amount from {$1200.00} to {$1300.00} a month. Customer Service adviced that they would sent the analysis to be reevaluated. 

XX/XX/year> - called back into Customer Services to check the status of the analysis and was told that they had sent me a letter ( which I never received ) that the analysis was correct. At this time I asked to speak to a Supervisor. I asked to " walk through '' the analysis with me so that she could understand the issue ( after repeatedly trying to convince me that the analysis was correct ). Finally, after over an hour on the phone- she got it - and " saw '' the issue. She said that apparently it was a " computer issue '' - specifically related to the " Expected payment not yet received '' - documented in the analysis on XX/XX/year> - note that this payment was made on XX/XX/year>. 

XX/XX/year> - reached back out to Customer Services and they could not give me a status update and said the analysis was correct. Meanwhile, I'm having to pay the additional mortgage amount. 

It is totally unacceptable that a financial institution can not do the math. It is totally unacceptable that a reasonable request to reevaluate meets with such resistance.I just wonder how many people are taken advantage of in this way. And why is there no audit of these practices? 

I would appreciate any assistance with getting this resolved. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (PA)

The creditor called me XX/XX/XXXX and I talked to them. I have been XXXX and unable to work for over a year. I do have insurance through this loan ( same company ) and it has been making the payments. When I talked to the women on the XXXX she explained that I needed to fill out a claims paper and have XXXX XXXX XXXX it out again. I did this earlier in XXXX also. I filled the paper out and drove to my XXXX XXXX  and dropped it off for them to fill out again and fax again. My last appointment was XX/XX/XXXX and my next follow up is XX/XX/XXXX with a no work status. After I talked to the lady at OneMain and telling her Id send the paperwork I was called by them ten more times between XX/XX/XXXX & XX/XX/XXXX. I answered the call today and explained to the man that I talked to somebody the XXXX and I dont know why they keep calling me? He continued to ask when I was sending the paper, how long am I going to be off? I told him that they are not permitted to call someone more than 7 times in 7 days and tat they called me 11 times in 4 days. He basically said that he can call as many times as he wants with a collection account? I responded again that I talked to them the XXXX and it will be taken care of. He continued badgering me so I hung up. I do have screenshots of all the calls.
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

Ive been trying to pay off my student loans and can not due so due to Aidvantage reversing my payments I ve tried calling their help center but no one is useful. Ive called my bank and it wouldnt be on their end. All the information is correct and Im not the only one having this problem. You can see the dates Ive been trying to pay on their website and they keep accepting and reversing it and interest just keeps building. Please get them to reverse the interest because at this point Im convinced its on purpose
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am in the process of purchasing a home and when the bank ran my credit they informed me that I have a balance pending from a credit card from Bank of America and I have to pay it to be able to close the transaction.
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

In late XXXX of XXXX, I applied for a mortgage home loan and they notified me off an outstanding balance that was affecting my credit score. After they sent me this information I went on XXXX and disputed this debt collection. I contacted the debt collection agency and asked them to send me what they had in this debt and also explained to them a judgment by a XXXX XXXX XXXX XXXX in this case that ultimately concluded that they were attempting to collect the wrong amount. They asked me to send them the judgment paperwork. I obliged as well as they sent me the information I requested. I called the debt collectors firm and spoke to the firm and was asked to send then the judgment as well. I obliged. They them stated they would be contacting me back after their superiors looked at the facts and decided what was going to happen. To date they have not contacted me back and when I contact them I get the forms debt collector 's voicemail where I always leave a voicemail for him to contact me back. To date, the forms representative, XXXX XXXX XXXX, has not contacted me back. The facts of this matter are that XXXX XXXX, previously XXXX XXXX XXXX, filed a lawsuit for unpaid rent against me and the case was heard, evidence was presented and the Judge 's ruling was I only had to pay their court costs of {$220.00}. This occurred in XXXX of XXXX. They are saying I owe them over {$5000.00} dollars for unpaid rent. I contacted the XXXX XXXX XXXX XXXX court clerk and they sent me the judgment papers and I forwarded them to everyone involved ; including the property manager of this apartment complex. To date it is still in my credit report?
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently visited my doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I XXXX XXXX  without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XX/XX/2022. The payment status for XX/XX/2022 is incorrect.
Consumer complaint received 2024-07-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (CA)

I bought a card that is compromised, XXXX, XXXX. The magstripe does not work and the back of the card shows signs of tampering. I asked the company Blackhawk Network for a refund. The refund has not come yet. 

Blackhawk Network staff claim that they did " research '' and concluded that the card was not tampered with. But I have the card I had to submit a second case XXXX for a refund. 

I want my refund because I did not get a working product as described and advertised.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PR)

I was in my vacations from the XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX I received an email from American Express that the were reviewing my credit limit to reduce it. I was told to pay an amount over XXXX dollars before XX/XX/XXXX. I was in the XXXX during my vacations and I had limited access to internet and no access to calls. I read the email and immediately I contact ext customer service through the app and they told me that they cant do anything for me unless I contact the department via telephone. I tried to download XXXX to call them but I was not able. I had no access to calls until XX/XX/XXXX. And when I checked my credit limit was decreased. I never missed a payment. I never went over limit. And I want my old credit limit again.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX sent me a pre-approved offer for a {$2000.00} credit card. I finally applied and was denied due to the fact that XXXX XXXX  says that experian stated my credit score was XXXX which is XXXX or more or less what my real score is which is right around XXXX maybe the high XXXX depending on the time of day or I've seen up to XXXX at this point. So I talked to XXXX XXXX and they said the only thing I could do is apply again but I couldn't play again cuz it said I'd already applied and then it said that it was suspicious that I applied again. So then I get a whole new pre-approved in the mail offer for the same {$2000.00} credit line. So apply again and I'm denied again and the same reason is given that my XXXX XXXX is XXXX. By this time I'm more than frustrated. I don't even call XXXX XXXX back because they're offshore and they're not super super helpful. This is coincidentally around the same time that I threatened to file a complaint against experian for not updating my credit report to reflect truly where I'm at right now. They had some XXXX old credit bad credit that was nearly XXXX XXXX XXXX still on there! And other things that were just plainly inaccurate. I've kind of gotten the runaround from them. So my complaint is against XXXX XXXX and Experian.
Consumer complaint received 2024-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Statebridge Company (OH)

The loan in question was secured from a company in XXXX. This company XXXX XXXX XXXX XXXX, subsequently went out of business in XXXX. XXXX XXXX XXXX, which has become Statebridge Company, bought the debt from the original creditor and started sending payment notices in XXXX. The amount of the mortgage repayment is {$18000.00}. The original loan was around {$16000.00}. The current creditor has submitted to the common plea court of XXXX XXXX, for foreclosure on the property at XXXX XXXX XXXX in XXXX, Ohio. The judge dismissed the case and the company has since told me that they want me to repay the loan. I have requested to surrender the property to satisfy the debt, but the company has denied my request to do so. I have offered to short sell the property but this action has also been denied. I have denied their request to repay the loan since the original company that funded the loan went out of business.
Consumer complaint received 2023-11-07
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC (GA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove all fraudulent accounts. They are hurting my ability to obtain credit. They are being reported by a third party and I do not recognize them. Thank you.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I was misled and lied to by XXXX by XXXX XXXX, regarding a Vacation package I purchased. They did not disclose that an inquiry and account would be put on my credit report if approved. I told the representative that I did not want to get this package If it would go on my report, he said it would not and would only be a soft inquiry. He also did not have me sign an agreement or give me a disclosure about this line of credit nor did I fill out an application that this credit line would be an inquiry and go on my credit report if approved. He also did not email me the contract on my vacation package until 3 days later. This company was not truthful and misled me into believing I would not have an inquiry or account after telling them I did not want to purchase this package before being deceived they would not.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

on XX/XX/XXXX I went to the XXXX in XXXX, Virginia ( physical address XXXX XXXX XXXX, XXXX, XXXX XXXX ) to use the PNC atm. While there before i made my transaction there was a worker there servicing the atm prior to making my transaction. After putting my card in and selecting to withdraw {$400.00}, the atm machine displayed that the money would be dispensed after removing my XXXX XXXX card. After removing my card the {$400.00} was not dispensed to me. I asked the pnc atm service provider about the issue, He state i had to call PNC. After contacting PNC XXXX different times ( local branch, XXXX customer service line, and client services line ) and my card company ( XXXX XXXX ) to file a dispute. I have been given the run around. PNC says it is XXXX XXXX responsibility to reimburse me for the PNC atm discrepancy and XXXX the manager XXXX ( working XX/XX/XXXX morning shift and general manager XXXX stated PNC is responsible because they rent the space from XXXX. Neither XXXX XXXX XXXX nor PNC had any real answers other than the other party is responsible. Please Help me allocate my funds and reconcile this horrible financial issue.
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (LA)

Santander Consumer USA Retail installment Agreement Contract form XXXXXXXX  -Predicted to have high likelihood defaults. 
-Exposed consumers to unnecessarily high level risk through high loan to value ratios, significant backend fees and high payment to income ratios. 
-deceptive servicing practices and actively misled consumers about their rights and risk of partial payments and loan extensions.
Consumer complaint received 2022-11-10
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. (CA)

Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed.I never went through bankruptcy. Please remove it immediately. 


Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On Saturday XX/XX/2024 at approximately XXXX XXXX I attempted to deposit {$1300.00} cash ( cash XXXX XXXX XXXX XXXX  ) in the ATM inside the PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is something I have done many times in the past without issue, this evening however, the machine took my cash and provided a vague error without printing a receipt or anything else. I have since attempted to contact the bank to get the cash back or to be made whole in my checking account and I do not feel that I am being treated seriously enough given the issue at hand and the fact that I desperately need this {$1300.00} to pay my bills and eat for the rest of the month. I could really use some assistance in being made whole as this issue lies with the bank, my hard earned money has essentially been basically stolen by a financial institution with little to no consequences and has caused a lot of hardship on my part. 

Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX I believe a charge of XXXX, dollars was charged to my credit card for navy federal credt union. Once I saw the crazy amount charge to me I called navy federal. My credit limit is XXXX how was XXXX was use I have no idea navy federal told me that I was at fault and didnt even do an investigation. I was found in the wrong and was told that there was nothing I can do. I believe that is not fair because I had no idea that it was even possible to charge that amount when you have a limited of XXXX  They told me i had to do a police report but they couldnt do nothing to help me and i had to pay back the money.
Consumer complaint received 2023-03-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently visited my doctor for a surgical procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The errors are as follows, XXXX XXXX XXXXXXXX account # XXXX. This account shows on my report twice as a duplicate.