davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (NC)

My name is XXXX 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 2021-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (VA)

I've been struggling to pay my bills since I changed jobs in XX/XX/XXXX right around the beginning of the Pandemic. Shortly after, the virus began and my hours were cut and I began to fall behind on everything. I was receiving some money but just enough to get by. I was anxious about not having enough money and I was receiving unemployment and then that was cut. I then learned my job at the XXXX  would end and I would not be able to receive unemployment because I was overpaid ( {$5000.00} ). I considered Bankruptcy I was going to Food Banks for food and hoping to hit the lottery. I was waiting for my XXXX from the VA to be reviewed but it was pushed back because of COVID. Fast forward to receiving funds after a year and trying to pay everything to catch up. I called XXXX XXXX  to try to negotiate a settlement since they advised my account was closed ; this occurred on XX/XX/XXXX. They told me no after a brief hold and possibly reviewing my bank info because XXXX XXXX  credit card is financed through Wells Fargo which is where my checking account is which I suspect they reviewed and impacted their decision with my account. Be mindful that XXXX XXXX is not the only Creditor I owe. They offered nothing in form of a hardship, so I paid {$1000.00} on my account. Today, XX/XX/XXXX I called to try to get an updated balance and verify the status on the account and ask for late fees, and finance charges to be removed, I was told no again. The reason was because I was given a courtesy removal in XX/XX/XXXX when my account was placed on pause for the Pandemic. So I stated that if a review was completed no other customer would have more than one removal of late charges on their account? I advised I would contact, CFPB, ATTY GEN, XXXX I was placed on hold again. The representative placed me on hold and I was told {$120.00} would be removed from the account bringing the balance down to {$1500.00}. I also confirmed the account is closed and the interest is still at 24 %.
Consumer complaint received 2021-08-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-29
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. (MI)

I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Good morning, On XX/XX/XXXX, I was changed a return check fee of {$29.00}. Im reaching out for extreme help during this difficult time that Im in. I understand that I was charged a return check fee and Im requesting this charge to be reversed. Every dollar counts in my household and {$29.00} can go a long way right. I ask if someone can please removed this charge. Im standing in food banks lines and waiting on a stimulus relief. I cant afford any fees. Please help me.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$18000.00} COLLECTIONS XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXX XXXX {$640.00} XXXX XXXX {$810.00}
Consumer complaint received 2019-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. 

XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (PA)

Hi.XXXX XXXX there are unknown inquiries on my report that I did not apply for, upon trying to resolve they remain on my report I currently have a block and security measures on all credit bureaus, granted these inquiries are not performed by me. 

I have also file a complaint with the PENNSYLVANIA ATTORNEY GENERAL DUE TO DUPLICATE FALSE INFORMATION ON MY REPORT ON ALL THREE BUREAUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (KY)

XXXX Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

XXXX lists a collection in the amount of {$100.00} from CCS Collections from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does XXXX allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from CCS COLLECTIONS or XXXX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately. 

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Credit card or prepaid 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: U.S. BANCORP (MN)

I had a real estate lawsuit in XXXX and my attorney representing me was XXXX XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I hired XXXX XXXX, who I never met. 
This lawsuit had a pooXXXX XXXX writen by an unlicensed closer and this caused many problems. 
We filed a letter of cancellation for a contract for deed. XXXX XXXX never filed that cancellation. Instead XXXX XXXX, put together an unauthorized settlement agreement and I got a Judgement instead. Also, deliberately overcharged me for work never finished and used XXXX attorney to help XXXX XXXX increase exaggerated charges ( {$65000.00} for 2 months of work ). 
The invoice was so high, I had no more money to pay XXXX XXXX, so I discharged XXXX, but no attorney would deal with this lawsuit, so I lost ownership in my commercial building. 

Complaint- I called XXXX XXXX Bank credit card services on XXXX XXXX that I wanted to make a dispute because of all the overcharges. XXXX XXXX Bank told me that US Bank owned the account and had to WAIT until the merger was complete and a statement was visible. This was not true. I still had to deal with XXXX XXXX Bank not US BAnk like I was told. With the XXXX, riots in XXXX, XXXX I live and other things, it was diffecult to keep track the merger. The merger when through and I called again to dispute the law firm charges. A XXXX XXXX Bank representive told me that a check would be arriving in XXXX business days. After XXXX days, I called back and was told I was pass the time frame that cardmember service allowed for a dispute credit. I had to pay this law firm {$16000.00} for work never performed. This mishap was not my fault! 

XXXX XXXX my credit card dispute for {$16000.00}. Again, I did try to be within the time limit, but the time was not long enough with that merger confusion and all the commotion going on. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My bank blocked my debit card permanently after I confirmed that 2 fraud payments from a company calles XXXX/XXXX weren't mine. I didnt want my card blocked as I was trying to unblock it to get home from work. I had 5 dropped calls from Santander, nobody would listen to my situation. Now without my debit card for a few days and I see the fraud payments still went through and Santander has not reached out to me once after 5 attempts of phone calls and an email. My telephone account is also blocked now for some reason. 
I also reached out to XXXX and they didn't help much, I emailed them back just asking what the charges were and they replied to me in all XXXX.
Consumer complaint received 2024-03-21
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 accounts 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
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I initially applied to Loan Depot mtg refi application online. I was contacted via email by XXXX XXXX XXXX on XX/XX/XXXX. She is the most XXXX  double talker. I asked no to pull my credit ( again ) as I already applied online. She said she couldn't ; t quote a rate without my social security number, but I had done it through the portal securely. I advised her that I can get a rate but refused to disclose my PII to her directly. Then I advised her I was not interested in doing business with her or Loan Depot. This is not my first mortgage experience. Several days later, she called again and was ready to process my loan. Again no rate was provided, and she claimed she was on vacation when SHE contacted me and that there was possibly a miscommunication. I refused to get sucked into her XXXX and had already sent Loan Depot and told her that I am no longer interested in proceeding with her or her company and sent a follow-up email to cancel the loan application and delete my application on XX/XX/XXXX. Again she processed my application and kept emailing me to process the loan. Again violating my rights and trying to pull a loan on my behalf without authorization, I researched this character. This was on the Internet ( XXXX  : XXXX ) - I pulled my loan application and spoke to her, but she continued to process the loan. How can she be a mortgage lender with 2 bankruptcies?! She's had more names than XXXX! 

According to the latest records, XXXX XXXX is XXXX years old and was born in XX/XX/XXXX. XXXX XXXXXXXX  phone numbers include ( XXXX XXXX XXXX, ( XXXX ) XXXX. 
XXXX has had 24 addresses and 2 bankruptcies, and XXXX knows how many last names. 
After performing an extensive deep review of XXXX XXXX XXXX records, I discovered that this individual also has 2 bankruptcies, 7 business ownership records, 7 vehicle registrations, 1 job records. To see all of the information, including property records, possible liens, judgments, court records, and much more, click here to unlock the full background report..
Consumer complaint received 2021-08-30
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: WELLS FARGO & COMPANY (TX)

This is a formal complaint against Wells Fargo located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion shows XXXX XXXX XXXX XXXX XXXX XXXX Paid in XXXX Charged Off Purchased by another lender and has verified this as accurate. 

The CREDIT REPORTING RESOURCE GUIDE | XXXX Copyright 2020 Consumer Data XXXX XXXX XXXX XXXX XXXX. Question : How should accounts that have been sold to another company be reported. 
Importan.t Notes : Payment history that occurred with the previous lender, which is already on the consumers file, must not be reported by the new lender. Do not report purchased accounts that were included in discharged/completed Bankruptcies. 

A Debt Buyer is a company or individual who purchases accounts ( generally non-performing debts ) with the intent of collecting debts owed. A Third Party Collection Agency is a company or individual who specializes in collecting outstanding debts for other businesses or individuals. 
Report data in the standard Metro 2 Format, including the Header Record.

Accounts must be deleted for the following reasons : Accounts which have been forwarded or sold to another entity ( Debt Buyers ) Accounts of consumers who have filed petitions for Bankruptcy ( Third Party Collection Agencies )
Consumer complaint received 2021-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XX/XX/2021 we purchased a new XXXX XXXX  from XXXX ( Georgia ) XXXX. Added to price of the car on the contract with NMAC was a charge of {$900.00} for GAP insurance. We did not know this until XX/XX/2021 when we went back to the dealer to get copies of our contract. They had provided us a computer chip which our computer would not open. When we got the copies of the contract we asked the dealer to correct this and delete the {$900.00} charge for the GAP insurance. Since we had paid {$10000.00}. down on the car we did not need the GAP insurance. They told us to contact NMAC, Nissan Motor Acceptance Corporation. We contacted NMAC and they told us they would credit the {$900.00}. to our account at the end of the contract, they stated they did not want to rewrite the contact. We thought it should be credited to us so our payments would be less. They said no. We have contacted the dealer and visited with them 3 times since we purchased the car and they fail to give us any proof that they are going to refund the $ XXXX.We have notified and followed up several times with NMAC and they still have not refunded the money to our contract. About 2 weeks ago a credit of {$410.00}. was made to our account, we asked what it was for and was told that maybe someone made a mistake and thought it was {$900.00}. Even I know the difference between $ XXXX.and {$900.00}. I have had enough of wrangling with this matter and would like to have some help from you. Today is XX/XX/2021. Thank you in advance for your help.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX2020,. {$520.00}, I proceeded to call Experian to obtain info related to company " XXXX  XXXX. '' Experian referred me to XXXX  given phone number. I contact XXXX  and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the Experian and XXXX both wanted the identity theft report but failed to supply since Covid 19 a email address. Experian offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

NewRez LLC took over my mortgage with the first payment being due on XXXX XXXX 2020. I made a XXXX payment on XXXX XXXX 2020 and a XXXX payment on XX/XX/2020 which is more than my payment. They applied both those payments to principal only and not to the XX/XX/XXXX payment. I have called 6 times and spoke to 6 different people who have sworn up and down that they have escalated the complaint and it would be fixed in 48-72 hours. I have been calling since XXXX XXXX 2020 and it still has not been taken care of. As of Monday XXXX XXXX 2020 it is going to indicate that my XXXX payment is late and they will charge late fees. Then XXXX XXXX 2020 they will report my mortgage as 30 days late which it is not. I paid in advance and I can not get them to correct this problem.