davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/, I received another letter from Citizens Bank, where I have a checking account and two credit card accounts, telling me I am pre-qualified for a HELOC. I have received several of these letters but have mostly disregarded it. This time, however, I realized that my getting these letters was potentially a problem. Looking at the letter, it says that I am pre-qualified and given a prospective credit rate based on my " strong credit score '' and that the offer is " on the basis of [ Citizen Bank 's ] knowledge of you as a customer and your standard customer credit profile. '' This is a bit of a red flag to me, because, per Section 604 ( e ) of the FCRA, I opted to be excluded from lists that would provide credit information for such pre-qualifications for what the FCRA calls " a credit or insurance transaction that is not initiated by the consumer. '' It is possible that they are basing the pre-qualification based on information they have via my opened accounts, but they should not be able to get my credit score from an XXXX for this purpose. I called multiple customer service lines to get clarification and no one was able to offer it. I asked for a way to submit consumer complaints to the bank and no one was aware of any way to submit such a complaint. 

I am concerned for the potential for the following : an XXXX is providing my credit score in violation of section 604 ( e ) of the FCRA and/or Citizens Bank is compiling a credit score internally which I'm not sure is appropriate under the FCRA. They may also not be a credit score involved in this pre-qualification, just a risk score based on my accounts with them, but they were not able to verify that and their communication states otherwise. If there is no credit scoring involved in these offers, they should update their communications to be more accurate. Furthermore, I am concerned that bank employees are not able to answer that question and are unable to provide a means to submit a consumer complaint. I was also unable to find a way to submit a complaint online.
Consumer complaint received 2023-09-07
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. (NJ)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (AZ)

I need to set up auto pay, no one can help me over the phone. There is no link to set up a simple autopay online, just a link to download a pdf to fill out and to mail in. The form does not even have a fax #. I am not going to the post office just to send a piece of paper to the bank to pay. They should have a link to set up online.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am writing to formally file a complaint against Capital One Bank regarding their lack of response to a billing error dispute. The details of the incident are as follows : On or before XXXX, XXXX, 2023 I sent two items in the form of negotiable instruments to Capital One to the address indicted for such payments in the credit card agreement ( Capital One, XXXX XXXX XXXX XXXX, NC XXXX was for the balance dur on the account on the XX/XX/2023 Statement in the amount of {$520.00} and the other was for the XX/XX/2023 Statement for {$490.00}. In good faith and for value, I indorsed these instruments which is a right I exercised under the Uniform Commercial Code. On XX/XX/2023, I sent another dispute attached with another item in the form of a negotiable instrument in the amount of {$520.00} for payment of the outstanding balance still being shown on due on the account. These securities were not handled according to my indorsement and attached instructions, no credit was reflected on my account nor were the securities returned to me. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

My fear is that Capitol One is engaging in unfair and deceptive practices against consumer protection laws such as the Consumer Credit Protection Act as well as securities fraud in connection with my financial instruments. 

Please see the attached document for my full dispute.
Consumer complaint received 2023-05-02
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. (GA)

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX BANK XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-05
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. (GA)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NJ)

Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. 

XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX  would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. 

On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX  recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. 

Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. 

I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get 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 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
Consumer complaint received 2021-03-21
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-20
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. (NY)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Consumer complaint received 2023-11-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

I noticed a collection on my credit report and called the company listed to see what it was in reference to. It was for a XXXX account of which I never created. At the time I had a XXXX account which was in good standing and never opened the account that they now have in collections. I spoke with an agent and she saw that the account was opened in another state to another address that is not affiliated with me. I went on transition to dispute it and they have not removed it stating the information was verified. It can not be verified because the address on the account is not and has never been affiliated to me.
Consumer complaint received 2022-12-20
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. (NY)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Consumer complaint received 2024-03-15
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. (PA)

I do not have a contract with XXXX main financial. I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (AZ)

I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.
Consumer complaint received 2017-05-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roquemore Holdings LLC (MI)

This compan y Roquemore has been harassing about a debt my son owe to the credit union for a car loan, I have told them that he do not live here they constantly keep calling, asking for him saying I 'm hiding him, I have block them and still they call from another number saying I see you blocked me, then they have called several family members, and they called his job telling them all his business that they looking for a car he has n't paid for, tell other people he moved out of town, then the lady got hostile with me, i have her on tape, and I told her that I was taping her and that I was going call the federal debt collecting and tell that they are harassing me, they said that they are not debt collectors, they were  XXXX  that the credit union   XXXX   XXXX  , had a insurance policy on my so n loan, that if he did n't pay, then  XXXX  would paid off the loan, and that 's why she was calling because now the car belongs to them because she said they paid off the credit union, and I also have that on tape, they were ca lling 3-4 times a d ay ever since early  XXXX , because before then I did n't answer, so I would like to sue them for the maximum amount if I can
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

In XXXXXXXX XXXX XXXX I realized that my credit report was blank. All information missing. A credit score of XXXX. This continues for 4 months until they tell me that there was an incorrect address submitted that wiped my entire credit history. They brought the page back up but since then nothing has changed, nothing has updated and my score remains the same XXXX. XXXX never did this nor had this problem and reports everything and my score is XXXX. The credit bureau wiped me from existence and has now destroyed my credit by not updating my information at all. They still have my information linked to that other address where I have never lived. For XXXX there are no credit reports to show.