davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
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. (NC)

I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Consumer complaint received 2023-04-06
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. (MO)

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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (IN)

My mother opened a credit card with XXXX in XXXX and told me that she had added me as an authorized user. I have never owned a card or charged anything on the account. Earlier this year, my mom started consulting with XXXX XXXX XXXX to lower her interest rate to pay off her debt with XXXX. The advisor at XXXX informed me that I was listed as an authorized user on my mom 's XXXX credit card and was not needed or listed on their agreement with my mom. We were told to then filled out a " statement of responsibility '' to have my name removed as an authorized user from my mom 's account. XXXX updated my married name, address, etc ... to my mom 's account, but refused to remove me. They stated that I was a joint account holder, but it was reported to XXXX  that I was only an authorized user. I then requested the original credit card application, the credit agreement with terms, and the required credit card disclosures ( since I have never received them in 24 years ) and they refused to release or send them to me.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (MO)

I have an auto loan with United Auto Credit, and was involved in an Not at fault accident on XX/XX/year>. I received a settlement of XXXX from XXXX XXXX that was sent directly to United Auto Credit and applied to my account on XXXX. It was then changed by United Auto Credit to XXXX without my knowledge on XXXX. That is a XXXX difference in the amount, and also the interest I had to pay because this payment was reversed by United Auto Credit. This was done without my knowledge. 
I am requesting {$500.00} applied to the balance of my loan plus the additional interest. 

I also confirmed with XXXX from XXXX XXXX that a check for {$8800.00} was sent to United Auto Credit. 

Furthermore, since having account with United Auto Credit, I have been unable to keep an online account. I have to have it reset once a month for the last 24 months to make payments and check my statements. I feel this has been done on purpose to make it more difficult to track my balance and make payments. I just want this fixed permanently.
Consumer complaint received 2023-12-12
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MI)

Company has been actively reporting an unverified debt to the credit reporting agencies during the protection period of dispute. I have sent 2 certified letters with delivery confirmation both in XXXX ( XX/XX/year> ; XX/XX/year> ) and have heard nothing. I've also sent 7 emails to their email address of XXXX and they have verified receipt but failed to respond. 
They also called me during the dispute period to attempt collecting the debt. I have this voicemail recorded. 
They will not speak to me over the phone about the debt, and will not remove it from my credit
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CO)

On XX/XX/XXXX I received a deposit from Social Security. I got a text message, which I thought was it was from my bank, asking me if I approved a transaction in XXXX, Georgia. I replied no and then someone called me right away. He said he was from SoFi, and he asked me about several other transactions that were from my card. Some of them were approved transactions and some of them were transactions I never heard of. He then told me he wanted to help me to secure my account so he said he would assist me i changing my password. This happened during a time where I was busy doing other stuff, so I was bamboozled. He accessed my account and tried to send a {$400.00} payment to someone. I immediately tried to cancel the payment, it worked, but then they sent a XXXX to someone else named XXXX. I could bot stop the transaction. I notified the bank, they investigated and resticted my account. The bank refused to refund me.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a merchant charge for a service that was cancelled two months ago. I disputed via mail and send them their requested info via mail. They said they never received it so I immediately resent the info via fax, they said it was too late. I resent via fax again twice more and resubmitted the dispute form via fax. They refuse to consider the information and charge me for a service I did not receive. I tried contacting the merchant multiple times and each time they say they didn't charge me and don't know why I have a charge.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NJ)

Credit Systems International has been sending me repeated bills of collections for a XXXX XXXX company for the total of {$1000.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX XXXX, which XXXX was trying to collect {$310.00}. This was just resolved by XXXX but I want to ensure Credit System knows this is identity theft and clears that off my credit. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX & XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX are terrible to work with and basically said they dont believe me. I sent them years worth of XXXX & XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX  OWNER OF XXXX XXXX SENT A LETTER TO MY HOME, SHOWING ME I DO NO HAVE NOTHING TO DO WITH THEM. 

A CREDIT CARD WAS OPEN UNDER MY SOCIAL SECURITY NUMBER AND NAME MY ADDRESS DOES NOT MATCH, MY PHONE NUMBER DOES NOT MATCH, MY CHECKING ACCOUNT WAS USED WITHOUT MY ACKNOWLEDGEMENT FOR CHARGES GIVEN TO THIS COMPANY AND MY CHECKING ACCOUNT BANK HAS RECIEVED THE FRAUD DISPUTES FOR CHARGES OF XXXX DOLLARS, XXXX, AND ALL OTHER DEBITS TAKEN OUT OF MY BANK ACCOUNT. 

I DO NOT OWN A PHONE NUMBER XXXX XXXX XXXX I DO NOT LIFE AT SOME ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  OWES ME FOR DAMAGES, REPORT THEM XXXX THE FTC FOR RACISM AND FOR CHARGING ME FRAUDULANT ITEMS.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC (KY)

A couple of years back I had to replace my A/C unit. I had to finance the new unit through a company called XXXX- it was the finance company the HVAC business was dealing with at the time. It was an interest-free loan, and I made my monthly payments ( more than the minimum required ) on time every month. Now to the present. I needed to refinance a XXXX XXXX XXXX line with XXXX Bank, and as part of the deal XXXX would pay-off my credit cards and loans such as the XXXX with XXXX. The balance of the loan at the time was {$600.00}, but before the HELOC closed I had to make a regular payment XXXX XXXX for {$110.00} ( my usual monthly payment. ) So, I had a balance of {$490.00} left in the account. XXXX tried to find out where to send the final payment and was told to send it to : XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, NC. The check was issued to that physical address for overnight delivery ( XXXX Tracking # XXXX ) and was delivered to the address on XX/XX/year> at XXXX a.m. However, XXXX doesn't seem to know anything about it. I keep checking my account to see if it was credited, but still shows a balance of {$490.00}, but with another page of my account showing a balance of {$0.00}.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Case # : XXXX Response to XXXX XXXX File : XXXX I, XXXX XXXX XXXX XXXX for reasons beyond my control, in XXXX had to leave this country and the whole family went to XXXX for a few years because my husband at that time was given an XXXX  punishment for 10 years outside the country, due to this circumstance put us in a difficult economic situation that affected us and we lost 2 properties here in California ( XXXX and XXXX ) XXXX Also, caused non-compliance with payments on other debts that we obtained until that date. We started from scratch in XXXX and we could not stabilize ourselves economically there, we lived from day to day and were unable to meet or cover even the minimum in payments on our debts in the United States. 

I was not aware of this lawsuit because the correspondence was sent to the home of my sister, XXXX, and unfortunately, our family relations were broken for several years and no correspondence was ever delivered to me. Due to our economic situation in XXXX, I had to come to work in the United States for a few months to support financially my family. 

I am aware that I owed XXXX directly for around {$2800.00} in XXXX. I am opposed to accepting this lawsuit because they sold the debt to an agency ( Unifund CCR , LLC ) without my consent and after 17 years it has increased significantly, indiscriminate and exaggerated to a stratospheric amount of {$14000.00}. 

I, XXXX XXXX XXXX, am willing to pay this debt contracted to XXXX for the original amount of XXXX and making monthly payments of {$50.00} since I only depend on my salary and sometimes, I must resort to using my credit cards to cover my expenses as well as my daughters. 

I ask you to reconsider my case and reach an agreement since I am not financially able to face this type of debt. Please definitively remove the XXXX on my children 's house, located XXXX XXXX XXXX, XXXX XXXX, California XXXX, or any other property. 

If you have any clarifications or questions, do not hesitate to contact me at my cell phone ( XXXX ) XXXX.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (GA)

I paid {$780.00} from XX/XX/XXXX until XX/XX/XXXX. I also was in a XXXX XXXX XXXX as well with my vehicle loan From Flagship Credit Exceptence which was started in XX/XX/XXXX until XX/XX/XXXX. I was over charged on a vehicle loan from XXXX XXXX XXXX XXXX XXXX XXXX along with Flagship Credit Exceptence. The original amount of the vehicle when I purchased it was {$16000.00}. I put a down payment of {$4800.00}. from my under standing Flagship was over charging me for the loan because of my low credit score.And I keep getting threatening and harassment calls from Flagship Credit Exceptence collections and repo department. Flagship says I I owe {$29000.00} for the car. I know I don't
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (CA)

As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have previously disputed the accuracy of payment to XXXX XXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but Transunion isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.
Consumer complaint received 2023-06-07
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)

This is my several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

Hello, I believe I have received a fraudulent email form the student loans dept of education. Via, Email. The indicates to check inbox. I did view student loan website and attempted to submit a complaint via the website w/o any success.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

In the evening of XX/XX/year>, I noticed several strange notifications on my phone from the Chase mobile banking app, asking me if I was trying to log in or speak with a representative. I clicked no on the notifications and immediately went to my computer to log into my account and look for suspicious activity. At that moment, I did not see anything, but I called the phone number for chase credit cards asking if they could see anyone trying to log into my account and to lock my accounts. While on the phone with the credit card division, I started getting emails from Chase with one-time codes and informing me that my password was changed and that a new device had been enrolled on my bank account. I informed the agent on the phone that I was being hacked live and that they needed to transfer me to the banking division ASAP. A few minutes later, they locked all my personal and business banking accounts. I went to a physical Chase branch the next day on XX/XX/year>, where my accounts were restored, and I was given new online credentials and a new checking account/routing number. However, my concerns about how the breach happened despite my XXXX were brushed off, and I was told the FBI would be notified, but I received no evidence that any such report was made. Let me be clear - I was the victim of some type of hacking that defeated Chase 's security measures despite my active and timely intervention against the hack. The lack of investigation and/or concern by Chase regarding this breach is unacceptable, and I wish to file this report because I do not believe they intend to report this incident to the proper authorities. Thank you for your consideration.