davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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. (CA)

I HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
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: WELLS FARGO & COMPANY (CA)

The bank is aware about the circumstances we are sharing. Instead of helping us, they have used the information we provided for their advantage and decided to foreclose on the loan. We have been living XXXX XXXX  every single dayce lack of information we could obtain in the absence of the borrower. They gave tremendous amount of information that intended for their use of power of sale and careless about us as servicer Now they are up to buy back this property so in their possession without us knowing anything. We ask for rescission without approval but only do so when their trustee who also representing XXXX XXXX pursuing an unlawful detainer just to get the possession judgement from clerk It has been second time they continue sending massive random information pretending to offer workout plan but ignore our correspondence and used it as a quick reason to record another Notice of Sale. As of now, we do not receive Notice of Default as to how much is enough for them they tried to collect XXXX  XXXX of dollars before the last default which at the time was only XXXX. Unsuccessful negotiate with them, we asked for loan deferment but no one seem to know if it ever exist. Now they even create a barrier for us to obtain mortgage relief to stop us with reinstatement effort.
Consumer complaint received 2023-09-30
Product: Mortgage — Conventional home mortgage
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: United Shore Financial Services, LLC (AZ)

They told me my forbearance was good from XX/XX/XXXX till XX/XX/XXXX and to start paying the loan back on XX/XX/XXXX so I did, they then threw it into late pays and instead of deferring the total amount of missed payments to the back end they are calling it all due and payable. I had a request in to pay my own taxes and insurance way before the forbearance and they did nothing with that request. I have a XXXX per cent XXXX and had already paid the taxes and insurance myself so now their payoff figures are wrong. They told me they would call me when to send them my financials and they never did. We then sent them the paperwork they requested in mid XXXX and I made the payment on XX/XX/XXXX but began reporting us as late. We also had been approved for a XXXX under the XXXX XXXX XXXX and that was not explained to us that the program would take a long time and therefore nothing was settled on time however I did start making the payment when they told me to.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Tuesday evening, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday morning, a disturbing amount of calls and text messages to my cell began. By Thursday afternoon, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned TransUnion specifically. One mentioned XXXX XXXX XXXX the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at TransUnion claims TransUnion never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through TransUnion, XXXX and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Consumer complaint received 2023-05-05
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. (FL)

According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ALLY FINANCIAL INC. (IL)

XX/XX/2023 XXXX XXXX XXXXXXXX {$85.00} charged twice by credit card company in error they admitted it but say they dont know how to fix it. The city of XXXX confirmed they only received one payment. Sat on hold for over an hour for dispute dept when it not a dispute with the seller the dispute is with the credit card company as they charged me twice in error. Then sat on hold again with a supervisor who also admitted they charge me twice in error who also doesnt know how to fix it. 
Then another charge to XXXX XXXX XXXXXXXX XXXX for {$33.00} credit card company paid the seller once but charged me twice. Admitted again they did it but claim to not know how to fix it. 
Both of these double charges have separate transaction numbers as stated by the supervisor. She states she dont know how to fix it. I tried twice two calls one on hold for 45 for dispute XXXX that never answered. Then again another 45 min with rep and supervisor who resolved nothing.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

Carrington Mortgage : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL for the amount of approximately {$1900.00}.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

I opened up an Amazon Prime Card in XXXX Undenounced to me, I was signed up for something called Payment Security. Because this Amazon Store Card was on Auto-Payment, I never checked the account or statements. This card was being used by all of my family and I was never concerned with the balance, or the account being paid on time. With interest rates rising... I decided that I would pay off and close this account late last year. It was then that I became aware that my Account was being charged a Monthly Fee, based on my Balance from Payment Security. Upon contacting Synchrony Bank, I was told that I would have to contact Payment Security directly, which I did. I explained to them that I did not sign up for this Service and that I wanted a full refund of all charges and interest charges since the inception of my account, {$4300.00}. I received a letter in the mail from Synchrony Bank stating that my account was given a credited {$1000.00} ( the charges for the last 12 months ) as a courtesy, and that the matter was closed. This was not acceptable to me. I then contacted Synchrony Bank, because the letter came from them, not Payment Security. I requested a copy of my initial Application, showing that I had signed up for this service. I was told by the representative that it was NOT something that I signed up for, the BOX would have already been checked... It was my responsibility to read and UNCHECK the Box signing up for this service. I didn't even know what Payment Security was. I would not have signed up for an additional service, I just wanted an Amazon Store Card. This is an extremely deceptive lending practice. It is a SCAM. I never received anything in the mail or via email stating that I had this " Additional Service '' only my Amazon Store Card in the mail. I filed a complaint with the Better Business Bureau and Synchrony Bank considers this resolved. This is an extremely unfair and deceptive lending practice.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good morning on XXXX I made a claim because once again money I needed to pay a bill with was taken off my account at a atm, i immediately got in contact with capital one to get a new card. But I still have not received the funds that was supposed to be sent to me in 2-3 days. Now my problem is with capital one is I recently fell on hard times once again and been doing little side hobbies I mentioned that to capital one and they still are withholding my funds but apparently now my account is being closed. Instead of doing that they could have easily sent me a email but they didnt nor did I receive a call from them. My only problem with them now is they are withholding funds I need the XXXX and they dont care. Its frustrating because here I am really needing the money and they not even allowing me to transfer it.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I attempted to make a {$920.00} check deposit and the ATM ate my check and locked down on my ATM card. I walked inside the bank, explained what happened, filed a dispute, and called corporate and filed one there too. I was told a couple days, a few days before it would be investigated. I've called every day and no one can tell me anything. Two months ago this same thing happened, I avoided the ATM, but was told someone came out and fixed it. Obviously they didn't. No one seems to care about me getting my money. I am switching banks because of this. I banked at Huntington for 20 years, my account has ALWAYS been in good standing yet they won't even issue a temporary credit like they did two months ago. This is their fault 100 %. They took my money, they're keeping it, it shows no one is investigating this yet. Can you help.? I made the deposit XX/XX/2023 XXXX XXXX at Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dynamic Recovery Solutions, LLC (OH)

I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations
Consumer complaint received 2023-10-06
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. (NJ)

I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NY)

I opened up a Coinbase account some time ago ( more than 2 years ) and used their service to create my own personal Wallet linked to my Coinbase account. I have about {$980.00} in USD Coin in my wallet that I want to send back to my Coinbase account and there are a couple of problems. The instructions for doing so are confusing and the Coinbase help seems like a chatbot that is not very helpful and the instruction document referred to by Coinbase points to something that may or may not be related to my Coinbase account. To make matters worse, I am being asked to buy anywhere from {$40.00} to {$80.00} of ETH for gas fees to make the transaction ( of less than {$1000.00} worth of XXXX  ). After I get the XXXX back into my Coinbase account who knows how much I will be charged to convert it back to real US Dollars and send it back to my regular US Dollar deposit account at XXXX. These are usurious charges that make the whole enterprise seem like a scam. Thank you for your attention to this matter. 
Cheers, XXXX XXXX
Consumer complaint received 2023-05-08
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. (FL)

Your company is willfully furnishing inaccurate information on my consumer report. These errors have caused me a great deal of stress. These inaccuracies have caused me to be denied my basic needs. I am demanding the removal off all the inaccuracies immediately.
Consumer complaint received 2023-05-05
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. (AL)

I have contacted TransUnion several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received business funds for my business in my personal account and Capital one decided to end the business relationship and return those funds to whom they were sent from. They were unable so they sent them to the IL state XXXX, which I complied with. After that was done a remaining balance of {$250.00} was left in my account, it has been over XXXX and i have yet to hear back from anyone in regards to the matter. Each time I call Im given run arounds that never resolve my issue! Today I was told they have no time limit on an investigation but theyve already decided to terminate relationship so how is there still an ongoing investigation? Funds were already sent to the state, SO HOW IS THERE AN INVESTIGATION? Theyve stated the account isnt closed but I have no access to my money, I can still log into the account and view it, I am also still receiving bank statements as if the account is still open! CAPITAL ONE IS MAKING MONEY DAILY FROM MY FUNDS AND ITS BEEN OVER XXXX YEARS! The relation was terminated XX/XX/XXXX XXXX. The account is still open as of XX/XX/2023. Thats over XXXX, WHO INVESTIGATES THAT LONG ON AN ACCOUNT THAT HAS BEEN TERMINATED ALREADY? I call b.s and this is stealing! I was able to login until I called them today XX/XX/2023, now its saying its blocked for too many login attempts when thats a lie. Ive attached the pic of them saying such thing!
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On my XXXX statement I was assessed {$1.00} paper statement fee. We do not use our Lowe 's credit card each month or carry a balance - an electronic statement would only get lost in an already too full email account - that I may or may not even know to look for since we do not use this card frequently - thus we could incur late fees. A paper statement fee feels like a junk fee that credit card companies should not be able to access consumers. 
This is a terrible customer service experience and such a petty way to lose long time customers. We choose Lowe 's over XXXX XXXX because of the XXXX  % off when using the Lowe 's credit card, but if we are forced to use our personal credit card to avoid a paper statement fee than that puts Lowe 's and XXXX XXXX on a level playing field, so we will choose XXXX XXXX. These types of fees may seem nominal to the company, but no one likes to be nickeled and dimed with fees- very poor business decision on their part.
Consumer complaint received 2023-05-05
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. (PA)

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.