davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (TX)

I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Conserve collector, charge me an amount of {$6800.00}, account date shows on my record is XX/XX/2022, creditor info : Conserve XXXX Cross keys office PA XXXX, NY XXXX contact : XXXX This was a setup and the act of hatred no evidence or prove of owning such amount of money because they have my SSN number that why they did this.
Consumer complaint received 2020-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MO)

I am pending a lean request waiver on my old car so I can put vehicle plates on my new car. I purchased my new car XXXX XX/XX/2019. My first complaint was XXXX XX/XX/2019, and I hace complained to the bank once per week since. They have failed to provide the lein request waiver, and do not document our conversations in their system. Everyone I speak to is 'Sorry ', but nothing has actually been done to help this situation move forward on the Bank 's side.
Consumer complaint received 2022-12-26
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-26
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL times.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (FL)

I am writing to you once again in regards to the loan you have on file as RE : XXXX Reference # XXXX, Property address:XXXX XXXX XXXX XXXX , FL XXXX, Source file # XXXX. 
Mr. Cooper has indicated in previous responses that XXXX XXXX is the owner of the loan. Please provide the XXXX XXXX loan number. XXXX XXXX states : The servicer must maintain permanent mortgage account records for each loan it services for XXXX XXXX. The records must be identified by XXXX XXXX loan number ( and any related participation certificate or MBS pool number ) in addition to any other identification the servicer uses. Also, it is my understanding that as the current servicer of the loan, Mr. Cooper is required to have full & complete accounting records from " origination '' to present. If any accounting is missing-all numbers are questionable. CDS 's are credit default swaps-All 3rd party payments, properly accounted for, should serve to reduce and/or extinguish any outstanding obligation ( the note ). There must also be evidence of proper negotiation, transfer and payment, which should accompany the " original '' note to give it credence and enforcability. XXXX XXXX has a discrepancy with the principle amount Mr. Cooper/Nationstar Mortgage, LLC was attempting to collect. The amount reported by XXXX XXXX is not the same as the amount reported by Nationstar Mortgage. There is no loan. Nationstar Mortgage has been collecting on a debt which was paid off and does not exist.
Consumer complaint received 2022-12-25
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. (NC)

Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (NC)

We were billed twice on the same day for the same month of service last XX/XX/2019. We contacted Service Finance immediately and a representative told us that management was responsible for the error and we would get a check by the end of the week. I called at the end of the week to see if the check had been mailed out and was told that management had now decided not to send a check but they were going to apply it to principal. I told them that was unacceptable as I had a witness while being told over the speaker phone that management told us they were responsible and was their error. Then another representative later told me that in the state of Florida  it is not allowed to have a witness overhear a conversation. I do have a XXXX area code that is for XXXX XXXX, Florida, but I told him I am a resident of North Carolina and the loan is in NC for 2 Sunrooms. I believe he was surprised by that but continued to say I entered the information twice for payment and was not going to get a refund or any cashback of the {$74.00} the XXXX XXXX XXXX charged me. Now, due to a software called XXXX at XXXX XXXX XXXX, I received a overdraft fee of {$140.00}. I was told I would have received a full refund if I didn't have the previous {$74.00} charge. On XX/XX/2019, XXXX XXXX said they based their decision on the fact XXXX XXXX told as a response to my complaint that If they had been at fault in any way with respect to the erroneous payment, we would have absorbed all fees imposed on Mr. XXXX. Remember I had already been told and had a witness which we are now creating an affadavit and having a Notary sign it with signatures from me and my witness declaring management was going to take full responsibility for the problem and would send us a check back. This erroneous information given to a federal regulating governmental agency has caused me 'damages ' and XXXX XXXX Dispute Resolution said the first action to take is to dispute the second ACH withdrawal that was 'not authorized ' nor entered my me.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (FL)

In XXXX of 2019 I opened an account with Charles Schwab for banking and investment purposes. Upon opening the account I additionally opened an XXXX XXXX Charles Schwab Platinum card, which is only available to Charles Schwab customers. The card allows customers to cash out their XXXX XXXX Membership Rewards points to a Charles Schwab account. 

Several days ago I attempted to cash out some of my Membership Rewards points and encountered an error. I tried to log into my Schwab account and had trouble there as wel. I called into their customer service line and was informed my account had been closed - though I had received no reason why and no warning before hand. This was confusing to me, as I had just opened the account and still had no activity on it. Several years ago I likewise had a Schwab account that I utilized for bank deposits and basic banking for my investment properties, and this account was likewise terminated without warning. When I asked for a reason back then, I was provided none and only told it was a " business decision. '' However, I was told I could reapply for an account at a later time - which is what I did in XX/XX/2019. 

Yesterday I emailed some members of the Client Services division at Schwab and a gentleman there gave me a call after doing some research and once again was unable to provide a reason for the closure. He merely stated it was a " business decision. '' I pressed for a valid reason for the closure, and he refused to provide one. 

This is confusing to me as I have never had derogatory marks on my credit or XXXX  reports. My wife and I pride ourselves on our finances. We own several investment properties, diligently monitor our stock investments, hold no credit card debt, and are generally very good with our money. All this to say - I have no idea why the bank sees me as a risk and refuses to allow me to keep an account open with them. Moreover, I am incredibly frustrated that they absolutely refuse to provide a reason for this closure. 

Banks nowadays seem to hide behind their " terms and conditions '' while avoiding common decency and customer service. 

I am someone willing to be a customer of the bank, willing to invest with them, and they refuse for no reason at all. Even more, I opened a credit card and received a credit inquiry because the initally approved me for a checking account and made me eligible for the XXXX XXXX Schwab Platinum card. Now with my Schwab account closed, I will be forced to close my XXXX XXXX account which will further negaively impact my credit. 

Schwab should reopen my account or provide adequate explanation for why they have closed my account.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (AR)

AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 XXXX XXXX XXXX ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE XXXX XXXX  XXXX  XXXX  ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX   CREDIT REPORT.
Consumer complaint received 2022-12-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have disputed the following accounts and this company refuses to fix errors. I filed XXXX  XXXX bankruptsy in XX/XX/XXXX and was XXXX in XX/XX/XXXX. The following accounts have numerous errors that this company refuses to fix per bankruptsy law. Credit first should not have any derogatory marks, payment summary, or high balance, or credit limit listed, should say paid in bankruptsy discharge, XXXX XXXX is the same and they should state bankruptsy paid in discharge. XXXX also should not have any derogatory marks, no payment summary, and say paid in discharge with no high balance or credit limit, XXXX  XXXX XXXX should have no payment summary, high balance, credit limit, payment summary, and should be listed as paid and XXXX in bankruptsy, XXXX  should not have any high balance, credit limit, payment summary, and should be listed as paid and XXXX in XXXX  XXXX. I have contacted this company about this and they wont even investigate or fix the mistakes. If this company cant fix this issue I will be forced to contact my lawyer about this.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

I transferred over {$400.00} from my Venmo account ( XXXX XXXX XXXXvenmoXXXX ) to my XXXX XXXX account using Venmos instant transfer feature, and Venmo charged me a fee equal to XXXX XXXX  of the total amount transferred. They also offer a slower ( XXXX business day ) service with no fees, aka free. I have no problem paying for faster service when its a decision that I have consciously made, my complaint is that Venmo is using a DARK PATTERN to obscure the fee and capture more instant transfer revenue by making the transaction look fee-less without super close attention to detail.

For example, imagine you were trying to transfer {$150.00}, if you choose instant transfer with their current XXXXXXXX XXXX, Venmo will show you a transfer amount of {$150.00}. What Venmo does NOT explicitly show you is that a fee of - {$2.00} has been charged to change your total amount. Maybe you will notice the amounts are different and maybe you wont. 

Failure to clearly disclose the fee as a charge on a separate line from the now-reduced total is unethical and may shortly become illegal in the United States . Avoid Venmos highly deceptive instant transfer experience with its hidden fee.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

Chase let XXXX washed checks get cashed. All of the checks were clearly shown as chemically altered and now they are telling me it will take XXXX to a year to receive my money back. the total for the checks was XXXX}. No one at chase will help with any resolution. Not in the branch, online or phone. All they can say is I don't know what to tell you. Well, I did not let the checks get cashed and I do not see how this is my responsibility. If I owed chase a penny they would find a way to take it from me. This is classic big business doing the little guy wrong.
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Experian credit reporting agency has refused to comply with the fair credit reporting policy by asking me for correct information to verify my identity which I have already sent them a copy of my state ID and poof of my address and my social security number and a police report stating that the accounts listed are the result of fraud and 12 inquiries are all fraudulent and this agency is giving me a hard time about removing this incorrect information from my report in a timely manner.
Consumer complaint received 2024-03-14
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. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : USC77 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-27
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was XXXX. It shows XXXX balance on my credit report with XXXX but I want it removed from my credit report
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

These credit companies are messing with people 's scores XXXX minute they're certain number and then the next they've dropped XXXX points all of a sudden this is crazy people are trying to get ahead and can't because the credit companies our joke
Consumer complaint received 2022-12-27
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. (NJ)

XXXX XXXX XXXX Account Number : 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 a account without my written instructions