davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (IA)

XXXX  created towns and government agencies used and put in as a land development ideas used me and my families documents and families corners record 's, tapping into our social security information and families documents of marriage and divorce. 

Then created food products used XXXXXXXX XXXX and brand advertising and fraud using XXXX as food industry products to. 

There fraud as business permits and XXXX and deeding issuing isn't authorized using me or to create anything off of my phone or families documents Others in XXXX XXXX Iowa also copied XXXXXXXX XXXX and for medical records frauding using XXXX XXXX XXXX XXXX Iowa XXXX XXXXXXXX was the one who issued out against XXXX XXXX as a beer companys created copied XXXX XXXX XXXX and government agencies and got the 50 states wide talking in Indiana documents And the 95 percent of all groceries stores and as stores frauding my documents as food products issued out by the company. 
Herds of 50 states wide diner 's menus There companys and food industry aren't married into anything me or my family documents All that was XXXX XXXX XXXX fraud using my families XXXX documents All that was fraud off my dead great great grandmother documents of XXXX XXXX XXXX marriage to XXXX XXXX The food and drug administered wouldn't comply.. 


XXXX XXXX  records marketing and advertising talk off my families XXXXXXXX XXXX record of serial numbered documents, it's a near XXXXXXXX XXXX  private property grave. 

Then XXXX created fraudulent business permits for building and business permits off my mother 's 3rd husband combined IRS and registered home address attached to our mail going there used XXXX XXXX XXXX XXXX XXXX pulled that in XXXX and in XXXX XXXX CA XXXX created XXXXXXXX XXXX XXXX XXXX  XXXX XXXX CA and used a big building next to XXXX XXXX XXXX XXXX XXXX record of XXXX XXXXXXXX Indiana of XXXX XXXX Indiana, which XXXX XXXX XXXX great aunt was XXXX XXXX. 



XXXX XXXXXXXX XXXX XXXXXXXX XXXX on in XXXX XXXX IA
Consumer complaint received 2024-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WA)

I received two letters in the mail dated XXXX XXXX XXXX, telling me that two of my loans defaulted and if I pay them by XXXX XXXX XXXX then I can avoid them defaulting. I called to try and settle this. I was told on the phone that the two loans I was calling about didn't default but that one of my loans was in the process of being sold to a debt buyer. When asked why I received a letter about two loans that weren't defaulting, she said she wasn't sure but said that I have received several calls from them regarding my loans. They call me about 50 times a month and they also call and harass my family members regarding my loan payments. YET they didn't send me a letter about the loan currently being sold to a debt collector. They gave me ZERO chance to try and avoid it defaulting. When they called me on XXXX XXXX and I told them I couldn't afford to pay until I got paid on XX/XX/XXXX, they basically said " too bad ''. I am struggling to pay my bills and now there is a potential that my wages will get garnished because Sallie Mae DID NOT inform me that they were about to sell my loan to a debt buyer. I am FURIOUS when speaking to the lady on the phone all she said was " I've struggled myself, you'll get through this '' then proceeded to give me the number of the debt buyer while I was BAWLING my eyes out on the phone. I didn't write the number down or ask for it. I asked WHY I hadn't received a letter for the CORRECT loan in order to avoid it defaulting. She then stated that a letter was mailed out to me on XX/XX/XXXX ( which I have not received ) and she told me there was NOTHING that I could do. I am FED up.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Experian Credit Reporting does not seem to be in alignment with XXXX and XXXX ; the information is always so different. Experian does numerous " soft inquiries '', many emails offering credit, etc. I do not think they are legit and should no longer do business or have business representing consumers. 

Experian reflects negative information on consumers like myself that is victimized by their notorious and inaccurate reporting that hurts a lot of consumers and it needs to stop! This company is releasing -- sharing consumer information to third parties. Something needs to be done with this. They are truly hurting millions of consumers that are minority and low to middle consumers. Everyday there is an email from them offering credit options. There are many people that are homeless, jobless -- and completely in miserable situations because of these credit reporting agencies like Experian. It has to stop! XXXX XXXX, minorities and low income -- like myself have been victimized by this company that has been existing for years and continue to victimize and control innocent and decent citizens. 

After many years researching, this company has put many homeless. I pray you will investigate, research and delete this company as being a part of a legitimate " American credit reporting Agency ''! 

XXXX sees and knows All things.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I have an account with U.S. Bank and I was recently scammed a couple months ago. The day I was scammed by a fake loan company that used my bank information deposited a fake check and funds was withdrawn from my account without using my bank card. I filed a police report and went into the nearest us bank to my home and the branch manager said he called and emailed but took weeks to get back to me and Ive been calling us bank every other day and week asking for an update but my account is frozen. The branch manager said that there was nothing he could do and was no help at all and now my account is frozen with my hard earned money in my account that I would like back.. you can say the most recent deposits in my bank statements. This is all because I wanted to apply for a personal loan because I needed the money. Us bank is treating me like I deposited the fake check when Ive been a loyal consumer for almost XXXX  years and never had an issue like this yet they still havent responded or just give me my money back and its going on 90 days .. just looking for some guidance or response. Ive been getting the run around since the beginning.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AP)

Hello, I am XXXX XXXXXXXX XXXX and have XXXXXXXX XXXXXXXX XXXX  address. I have made over XXXX disputes this year with Equifax and requested that they correct my address to below. Each dispute, they acknowledged the problem but never corrected it. 

I have mailed them a copy of my personal documents and they have no excuse to not correct it. 

I need my address corrected as below : Old and Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX New and Correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will list below the Equifax dispute confirmation numbers received just from this year. Please note I have XXXX more disputes made in the last year of which Equifax simply decided to ignore. 

Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each phone call to Equifax takes about an hour and They had me waste more than XXXX hours on this simple request so far and this is unacceptable by any standards. 

Thank you for your assistance in advance.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I received a letter with a pre-approval of an amount of XXXX from the CASHNET company, I carried out the process online in XX/XX/XXXX, just to see if it was convenient for me, the site was never informed of the interest amount that they were going to charge me, Additionally, I was presented with an advertisement that I had to advance an amount of XXXX to access that loan, but it did not have that amount at that time ; The next day, XX/XX/XXXX, {$1000.00} was credited to my account. I proceeded to enter the site but I did not obtain information about the payments. After a week I was able to access the information again, indicating that I had to pay 325 % annual interest. I have sent emails to the company to reconsider the interest they are giving me, which is really unacceptable. It is fine to consider a loan with 100 % interest, but that value is irrational. I request help so that the Cashnet company grants me an interest rate that is in line with the market. 

Message : Good evening, XXXX. 
You have {$0.00} of available credit, which does not meet the minimum of {$50.00} needed to request a draw. 

Interest Rates and Interest Charges Annual Percentage Rate ( APR ) for Cash Advances 325.00 % Paying Interest You will be charged interest from the Transaction Date ( defined below ).
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America keeps sending emails stating my deposit hold balance is {$0.00} but it's actually over {$200.00} currently. I've tried to resolve it with the bank via message but the session cut out and low and behold same email arrived today, so twice total
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

Zelle has restricted my account for no reason. I have been using Zelle for years without any problems. But recently, Zelle restricted my account for no reason. I have contacted customer service, but they will not provide me with answers. 
I can not send or receive any money through this service. My tokens are restricted. I tried working with my banks and credit unions but they have advised me to contact Zelle, they are the only ones who can resolve the issue.
Consumer complaint received 2024-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Veripro Solutions Inc. (FL)

I received a notice from a new loan servicer XXXX XXXX XXXX XXXX ) from the previous loan servicer ( Veripro Solutions - from a XXXX XXXX XXXX  ) dated on XXXX. The new loan servicer is now telling me that I owe more than what I expected. Veripro 's notice, dated XXXX, stated that my current balance is {$44000.00} ; however, XXXX XXXX XXXX XXXX XXXX XXXX  states, in their Notice of Assignment of Servicing dated XXXX that I owe a Principal Balance of {$62000.00} plus {$42000.00} in accrued interest. When I inquired about this very large discrepancy, I was told that my partial payments to Veripro Solutions for the last 10 years were not covering the full mortgage payment including the interest and as such my total balance now is in the sum of XXXXXXXX Upon receiving a payment history from XXXX it was clear that payments were applied by using a negative amortization schedule. I was never informed by Veripro Solutions that this was the case. I do not have anything in writing, electronically or telephonically ever providing me this information. Furthermore, I did not find out that they stopped auto-withdrawing my payments beginning on XXXX XXXX  ( I was on automatic pay ) until XX/XX/XXXX. On or about that date ( when I received this notice ) and when I called Veripro to find out why they had stopped initiating withdrawals, they said it was because the agreement had ended. Once again I never received notice in any way to alert me of this. I find this situation I am in unfair and I am wondering what I can do as a recourse because XXXX is threatening me with foreclosure.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

For over fifteen years I've had a Capital One 360 Savings Account which when I opened it was promoted as a higher yield interest rate account. At some point, Capital One created a new savings product called the 360 XXXX XXXX Account. While my 360 Savings account was earning a mere 0.3 % interest rate, the XXXX account was offering interest rates of 4.35 %. I was never alerted about this or encouraged to move my nest egg into the new higher-yield account effectively losing years of interest-led growth.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I am writing to request a copy of my consumer credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). 

I am seeking a comprehensive and accurate copy of my credit report, including information on my credit history and any associated public records.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I wrote a few checks, all to people who also bank at Chase. These checks have cleared my account and Chase still locked their accounts. I called them to verify that I wrote these checks, and they said they can't verify me and my number even though they have it all in their system. This makes no sense. They are of no help and I have spent hours on the phone with them
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I just paid my American Express Delta Skymiles Blue card a {$36.00} amount which is comprised of only late fees and interest. This started with a bill for {$9.00} that was due on XX/XX/XXXX. I paid it off on XX/XX/XXXX, 14 days late. I was then charged a {$9.00} Late Fee with {$0.00} interest for which I called customer service and asked them to waive which they agreed to do. It was my first time paying late with them. They, however, only waived the {$0.00} interest and not the {$9.00} Late Fee, which was also promised. As I erroneously thought this was over, they then charged me another late fee of {$9.00} with {$0.00} interest which I did not immediately notice. When I did notice the charges, I called them on XX/XX/XXXX to resolve and they told me no as they had already provided a credit within the last 12 months. This was the minor credit of {$0.00} for the initial interest. Today another late fee of {$18.00} was charged along with more interest of {$0.00} bringing the total amount owed to $ XXXX $ XXXX $ XXXX $ XXXX {$0.00}. As a reminder these are all late and interest fees. To avoid further trouble I paid the {$36.00} off today. This {$36.00} amount was solely driven by a {$9.00} bill that I paid 14 days late for which they promised to waive the Late and Interest fees for but missed waiving the Late fee. These are the Junk Fees customers have to pay to abusing financial institutions.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (CA)

The company DNF Associates filed a report to XXXX in XX/XX/2023 that I owed money in the amount of {$14000.00} I asked them for a proof but they did not send me anything. This is hurting my credit and I want DNF to remove it from the credit Bureaus or send a proof. 

Thanks
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( c )
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. has violated my rights. 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. 
The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION (SC)

My application for refinance started in early XXXX. During this process the Truist agents continually assured me the loan was tentatively approved. The agents requested that I obtain a home appraisal at a cost of {$660.00}. I stated that I did not want to incur that cost unless the loan was dependent on it. Again, the agents coerced me to get the appraisal so the loan could progress. They dragged this process out over a month requesting documents and information. In the end, the loan was denied based on a credit report. If this was the deciding fact this loan should have been shut down XXXX days into the process. I want to get my money refunded for the useless appraisal I was coerced into getting. I am not complaining about the denial, I am complaining about the pressure, coercion, and totally unnecessary expense.