davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/year>, I initiated a money transfer from Ally bank to XXXX using XXXX. Of course I had to provide information of my bank account to initiate the transfer which I did. On XX/XX/year>, I received an email from fidelity stating there was a problem with the linked bank account. So I tried to resolve it but I could not because the transfer caused my bank account to be blocked. I called customer service and the automated system required me to enter my phone number. I entered my phone number associated with the account and the automated machine could not find the number!!! A representative came onto the phone and I provided all the information to them that verified my identity. The representative transferred me to another department and I provided all the information and answered their questions that verified my identity. My account was escalated further down. I asked how long it will take to get it unblocked and no answer was provided. Just a I dont know. I verified my identity AND answered personal question that identified me and still couldnt get my account unblocked.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ENOVA INTERNATIONAL, INC. (NV)

On XX/XX/19 an unauthorized withdrawal from my checking account was made by cash net I was then find {$35.00} from my banking institution based on insufficient funds.then again on XX/XX/XXXX another withdrawal was attempted by cashnetusa.com unauthorized to my checking account and although B withdrawal request was denied I was charged another {$35.00} for overdraft fees to my account by my bank. 
Again neither of those withdrawal request were authorized by me they were both in error and I have a recorded conversation by phone yesterday XXXX the XXXX  with a cashnetusa.com supervisor her name was XXXX admitting that know they were not supposed to have attempted those withdrawals. As I was uncomfortable with her just admitting that they were in error I demanded that they reimburse me for the {$70.00} fees I was having to pay to my bank and she said that cashnetusa.com would reimburse me for those Vines and then they would accurately with my authorization remove the funds from my account this coming Monday on XX/XX/XXXX and I agreed.they just requested and required me to email them a copy of my statement showing a direct correlation between their attempt to withdraw funds in my account going into overdraft and the vine that was given to me which I did email that to them yesterday on XX/XX/XXXX. 
However later in the evening on the XXXX I received an email from CashNetUSA confirming that I had this conversation with supervisor with their company but did not appropriately define what was stated in that conversation ignoring the fact that they were in error and in the email it was threatened by them that I pay this overdue bill that they attempted to remove from my account early and were unsuccessful now it's considered overdue and they are putting me into collections.
Consumer complaint received 2022-11-27
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. (KY)

I requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : XXXX XXXX XXXX.
Consumer complaint received 2024-11-17
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. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2022-11-21
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. (GA)

Since XX/XX/22 to the present date, I have been trying to get transunion to stop reporting inaccurate information which has been harming my credit score and seriously impacting my finances. I have never given permission for any company to inquire about my credit status. the inquires that transunion is reporting are unauthorized and needs to be deleted. Two out of three reporting companies are reporting accurate information transunion is the only company that is reporting inaccurate information and it needs to stop. Upon countless requests for them to stop reporting inaccurate inquires I have be told from managers that represents their company that they will not help me.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pinnacle Asset Management, LLC (NV)

They are looking for someone else and my name is   XXXX   XXXX   XXXX    why do they keep calling me. I was in an ID IDENTYTHEFT 5 yrs ago. Why they keep calling me
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

This notice is regarding an unsecured loan account opened on ( XX/XX/2023 ) that POSSIBLE FINANCIAL INC reported to the consumer reporting agencies with my personal information with a current balance of {$46.00} owed. I am requesting POSSIBLE FINANCIAL INC to remove all 8 late transactions they reported after I pay off the full balance that is currently owed on this account. If POSSIBLE FINANCIAL INC will remove all 8 late transactions, I will not hold them liable to the violations listed below or in any past notices. According to the FAIR CREDIT REPORTING ACT This section of the law - 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to POSSIBLE FINANCIAL INC are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. I sent in my police report detailing the security breach to my personal information and detailing the fraudulent accounts reporting in error on my credit report. The credit bureau did not investigate my claim as fraud and now fraudulent accounts are reporting on my credit profile. I requested specifically that the fraudulent items be blocked pursuant to the Fair Credit Reporting Act Section 605B.
Consumer complaint received 2023-05-24
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} TBOM/VT XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit, Inc (GA)

I believe XXXX XXXX, XXXX provided VW Credit with fraudulent documents in order to transfer the title for my XXXX XXXX XXXX to XXXX XXXX, XXXX. I mailed VW Credit a request for all the documents and correspondence exchanged between itself and XXXX XXXX, XXXX XXXX XXXX XXXX but have not received them.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, 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 an account without my written instructions.
Consumer complaint received 2024-04-21
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: Foursight Holding LLC (MI)

On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am on XXXX XXXX. On XXXX XXXX XXXX Capital One assessed an annual fee totaling {$390.00} against me. I requested the annual fee be waived and was denied. I assert the interest rate plus this fee violates the Military Lending Act for XXXX XXXX service members.
Consumer complaint received 2022-11-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX  the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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
Consumer complaint received 2024-03-25
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (CT)

I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to XXXX due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a problem with Transunion and their scoring method, it seems every time a negative item comes off my credit report instead of my score going up it drops substantially. I have complained about this before to no avail. The government is supposed to protect the consumer from this type of prejudicial system. Its mind boggling that I reach a certain plateau and they will not let my score get any higher and then drop it close to 90 points without ever increasing it the same as it was dropped. I am convinced that there is some corruption in their system. This is the last time I'm submitting a complaint. Next I will hire an attorney to investigate there practices based on age, race and other factors. To compare others
Consumer complaint received 2024-03-25
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX ; XXXX XXXXXXXX, XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX, XXXX
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NORTHWEST BANCSHARES INC (VA)

I opened this " My Northwest Checking '' account back in XXXX or XXXX when I lived in XXXX, which did not have any monthly maintenance fees or paper statement fees. I since moved a few times, including to XXXX and then XXXX, and forgot about this account. I had a balance of {$500.00} in my account. 

I was checking up on old accounts last month and found that this account was still open but is now an " XXXX XXXX '' and I have been charged a {$3.00} paper statement fee every month since XX/XX/XXXX, for a total of over {$150.00} over XXXX years. I was never notified of this change - otherwise I would've opted for XXXXstatements or closed my account. I also would've expected the account to have gone dormant and the balance handed over to the state 's treasury where I could receive it from the XXXX Treasury 's XXXX XXXX Department - but instead of closing my account for inactivity, Northwest continued to empty out my account month after month for years. 

I reached out to Northwest last month, who informed me that because I moved, their notification of account change over did not get delivered. I requested for a courtesy waiver of fees and refund and also to close my account and my request was denied. They also did not allow me to close my account over the phone or email and insisted I go into branch or mail a paper request to close the account. I no longer live in XXXX and the snail mail option also made it very burdensome. 

I am very disappointed in the way I have been treated by Northwest and would have expected better - either refund a customer or stop charging the fees after a certain period of dormancy on an account. The resolution I seek is the refund of all the excessive fees and the closure of my account.
Consumer complaint received 2022-06-02
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (AZ)

Jefferson Capital company Originally : 12 XXXX Debit card This account was sent to collections in XXXX I made a purchase, A few days later returned the item, it showed up on my bank account as a double purchase instead of a return. 

I disputed it with my bank and XXXX sent it to collections. It has been reported incorrectly as being in collections in XXXX.