davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MS)

My Experian account has been hacked, the email address was changed. The hacker has removed my credit freeze which was protecting me. Calling their XXXX does not have any option to help regain account access or even speak to a support representative. The result is that I no longer have any way to access my account or regain control from the hacker. 

The result of this breach is that I have been contacted by XXXX XXXX and XXXX regarding new cards that have been requested without my authorization, consent or knowledge. I was able to deny these requests once XXXX XXXX and XXXX contacted me, but I am still vulnerable due to this Experian account hack and their inadequate automated contact options. Experian account security is weak and once someone has hijacked your account there does not seem to be any reasonable and XXXX  way to regain control of the account. Help please!
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.
Consumer complaint received 2016-12-15
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Global Home Finance Inc. (TX)

My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX
Consumer complaint received 2023-06-15
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. (NJ)

Fraudulent account reported to my credit report. XXXX XXXX  balance {$5000.00}, XXXX XXXX {$570.00}, XXXX XXXX- {$4700.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX {$580.00}.
Consumer complaint received 2022-11-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

inquires were placed on my credit report on XX/XX/XXXX thru XX/XX/XXXX i want to alert companies to remove inquireies and also make them aware that this is fraud and to not issue any credit
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America XXXX opened an account which I think was fictional. they then put charges on account. Ruined my credit then demanded I pay even though right before this account was opened I had informed them my XXXX account had been hacked in XX/XX/2021. I had XXXX credit cards in XXXX account. Bank of America XXXX was only bank not to issue new card. When I reported my card in XX/XX/2021 as lost or stolen ; suddenly a new account was opened and the charges appeared on the new card. I physically never received this card.
Consumer complaint received 2020-12-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

I have been dealing with ConServe for nearly 2 years. The debt was " paid in full '' and closed on XX/XX/XXXX. I also looked on my full credit report that showed ConServe illegally re aged the debt ( date of first delinquency ). XXXX  have XX/XX/XXXX while XXXX  and XXXX  has XX/XX/XXXX. This is unacceptable and it needs to be deleted off my credit report, so I can start rebuilding my credit. Attached will be a copy of my full credit report, ( look under date opened ), and the dispute letters sent to the 3 credit bureaus. 

Failure to due so, I will pursue legal action.
Consumer complaint received 2022-08-23
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: Bread Financial Holdings, Inc. (AL)

For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation! 
I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding. 
Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them! 
At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me! 
I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life! 
I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle. 
They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use! 
It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!
Consumer complaint received 2022-10-12
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-31
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: I.C. System, Inc. (FL)

IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (NY)

XXXX, XXXX and equifax are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I went to a Bank Of America ATM inside the branch on XX/XX/2024 to withdraw {$750.00} from my XXXX XXXX so the full transaction had fees of {$3.00} fee for Bank of America {$2.00} fee for XXXX SO THE full Transaction was {$750.00} I heard the ATM shuffling money around but NO MONEY CAME OUT OF THE ATM SO I ran up to the teller and told her no money came out of the machine she informed me that I needed to contact my financial institution or if it was an ATM ERROR it would be credited back to my Account within 24 Hours
Consumer complaint received 2024-03-28
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. (NJ)

XX/XX/XXXX, I purchased my credit report as I come to find unlawful transactions reporting on my report. I mailed out letters to the bureaus XXXX, Equifax, and XXXX XX/XX/XXXX to correct the inaccurate remark and payment history for all the inaccurate accounts as I understand it to me and they duty per 15 U.S. Code 1681 - Congressional findings and statement of purpose - Accuracy and fairness of credit reporting.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

there is a collection account found on my credit report and i have no idea about it and i wasnt given a chance to remedy the situation before hand. i have no idea of this account and i did contacted the credit bureaus and was told the account was verified but i was not given any method of verification even though i requested it on numerous occasion this is damaging my character. i want to find out more info so if it belongs i can remedy the situation. but as it stands my reputation is being damage. thank you.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (NC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 USC 1681 s-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 in the inaccurate
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (PA)

I took a TD Auto Finance loan for 3 years with XXXX XXXX in XX/XX/XXXX. I wanted auto debit, but ended up with having invoice mailed, until bills started arriving on due dates or after due dates in XXXX, after complaining they put on auto debit in XX/XX/XXXX. I thought everything was fine until I received final payment notice in beginning of XX/XX/XXXX where I noticed I was being charged {$260.00} in late fees, I called TD on XX/XX/XXXX and was told I missed my first payment and was getting nowhwere and asked to talk to a supervisor, where I was told there was none working. I finally was called by a so called supervisor on afternoon of XX/XX/XXXX, and he said I closed the acct and reopened it-which made no sense whatso ever and he said I missed a payment and that payment was never made up so I was paying late fees every month. 1. I have never been contacted by anyone about payment missing-why? 2. I put them on auto debit -why was this payment and /or late fees not collected-as they could have done this at anytime. This is a way to increase their bottom line at my expense. On top of this, I mailed them the payoff after talking to my attorney and they cashed my check and took another payment for {$10.00} more than the final bill. Now they have extra money, I want it back and I want all late fees refunded with a letter of apology for their unprofessional business and stating the multiple lates were their error-If a payment was late they had 2 yrs or more to collect and chose not to so they could pile on the late fees
Consumer complaint received 2023-08-30
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. (OR)

They are taking 2 very large payments automatically from my checking account that I was NOT told they would do and are charging outrageous fees I was not informed of. The only fee I was informed of was a 10 % payment once a month. I would have NEVER accepted this loan under these terms!! I now can not pay my other bills and am going to close my checking account so they can no longer have access.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon reviewing my TransUnion credit report [ file # XXXX ] I found that the report showed that TransUnion had provided my credit file information to XXXX parties, XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ). After a review of Fair Credit Reporting Act, 15 USC 1681 et seq ( " FCRA '' ) I am unable to identify any valid permissible purpose that either XXXX or XXXX would have to obtain my personal credit file information from TransUnion. 
Despite my written request XXXX and XXXX have both failed to identify a permissible purpose authorizing either of them to obtain my TransUnion credit file. 
I sent a letter to TransUnion ( see attached XXXX Letter to TransUnion ) requesting that it identify the specific permissible purpose that XXXX and XXXX each certified to TransUnion as well as the date of that certification ( assuming there was any certification provided to TransUnion ). TransUnion responded with a generic " Explanation of the Inquiries on Your Credit Report '' ( see attached TransUnion Response ). TransUnion failed to claim - as required by the FCRA - that either XXXX or XXXX certified to TransUnion that they had a permissible purpose or that TransUnion had reason to believe that it had a permissible purpose to provide those requester my credit file information.
Consumer complaint received 2022-11-28
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. (NY)

XXXX, transunion and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Consumer complaint received 2022-11-28
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. (FL)

I've sent multiple letters requesting validation of my credit report. I have yet to receive anything i have asked for. Instead of providing me with the proof of verification which is a violation of FCRA section 609 ( a ) ( 1 ) ( A ), Their required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT of all accounts posted on a credit report. A letter was sent out for me to verify my identity. The correct documentation was sent and I have yet to receive any of my request. My credit report was updated with dispute resolved and completed investigation which is a lie. Method of verification, the original contracts was never sent to me, the account being deleted from my report, account being updated and a copy of my credit report showing these changes being sent to me.
Consumer complaint received 2023-05-23
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: JPMORGAN CHASE & CO. (AZ)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately JPMCB CARD Date of inquiry:XXXX/2022
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent multiple letters requesting validation of my credit report. I have yet to receive anything i have asked for. Instead of providing me with the proof of verification which is a violation of FCRA section 609 ( a ) ( 1 ) ( A ), Their required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT of all accounts posted on a credit report. A letter was sent out for me to verify my identity. The correct documentation was sent and I have yet to receive any of my request. My credit report was updated with dispute resolved and completed investigation which is a lie. Method of verification, the original contracts was never sent to me, the account being deleted from my report, account being updated and a copy of my credit report showing these changes being sent to me.