davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (MA)

Dear CFPB, Thank you for taking your time to review my message below and do all that you can to help me solve this terrible experience. 

On XX/XX/XXXX, my wife and were taking a flight home via JetBlue, and per usual we were being hassled into applying for their card. After many attempts to decline the offer, the representative remained predatorily persistent, stating that the card would offer amazing benefits like 15-months XXXX percent intro on purchases & balance transfers, JetBlue miles etc. 

We decided to apply and got approved. After receiving my card in the mail, on or around XX/XX/XXXX, I called the customer service number to confirm that my zero percent APR on purchases was valid. The Barclays representative confirmed that this was true, so I proceeded with adding my checking account for auto-pay for peace of mind. 

I went ahead and started spending on my card, with the confirmation and intention that I wont have to pay any interest for the next 15-months. When I reviewed my statements on or around XX/XX/XXXX, I noticed I was being charged 20+ % interest. I reached out to Barclays immediately, after being transferred back and forth no one was able to assist me nor took ownership of their error. The rep mentioned they would have a manager call me back and no one did. I called back several times, again same story, the rep mentions a manager will call back yet no one did. 

Finally, on XX/XX/XXXX I got a hold of a manager who suggested I write to the office of the XXXX XXXX XXXX, Delaware. I wrote them a letter stating the wrongful interest on my account. On XX/XX/XXXX I received a voicemail from Barclays acknowledging that they received my letter and were reviewing my account. Until today I have not received any response and the wrongful interest keeps accruing on my account. I have made several more attempts to reach out and its the same circle of a manager will call you back and no one ever does. Barclays has handled this ignorantly and unprofessionally. This is a terrible experience, I have good credit, I've never missed a payment, and all I want to do is pay-down my card in full less the wrongful interest. 

We are struggling as a household, my wife just got fired from her job because she requested a XXXX XXXX. I'm the only bread-winner in the household and our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really need your help here, I don't know where else to go. I don't want to ruin my credit that I've worked so hard for and default on this card. 

Thank you for your help in advance. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

In XXXX Carrington didn't take their mortgage payment. 
It's now XX/XX/XXXX I believe still no payments taken out. 
Received a delinquency letter saying to call. 
As I told you earlier I don't have phone service right now. 
I hope you told them that in your response to them. 
An in their delinquency letter they sent forms for Mortgage assistance. 
I don't need mortgage assistance. 
All I need is them to take their money out of my account. 
It's all there waiting for them to take it. 
My payment date since I got this place has always been on the XXXX of each month. 
Since 2020 In my mind they should be removed from V.A. loans. 
Since I had purchased this place. 
3 times other companies have bought the loan and direct pay followed the buy. 
But not them. 
I'm XXXX XXXX XXXX and know every little about internet working. 
This problem started when they took the contract 6 or 7 months ago. Took 3 calls to make payment. Before they told me where to go on internet to start their direct payment. 
They don't even have any respect if you told them I don't have phone service. To get a hold of me by email
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2022-05-16
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. (TX)

While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} EXPERIAN ; XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX XXXX XXXX XXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (VA)

XXXX XXXX XXXX- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
Consumer complaint received 2022-04-22
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: SUN LOAN COMPANY INC. (MO)

I opened an installment loan in XXXX of 2021, with Sun Loan Company, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into Sun Loan on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX American and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Consumer complaint received 2023-07-28
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-28
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
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: Advanced Resolution Services Inc. (GA)

XX/XX/XXXX I requested a consumer report from XXXX. I received my report from them XX/XX/XXXX. After reflecting over the report I noticed there was some incorrect information that they had on file. I have enclosed the dispute form they sent me and asked them to correct or remove the inaccurate information. XX/XX/XXXX. I sent this certified through XXXX. With the dispute form I also included a letter head from XXXX dated XX/XX/XXXX stating they did not have any record of me applying for credit. This application is being reported 3 times with XXXX. I have enclosed copies of the consumer report to reflect what they have on file. 


XX/XX/XXXX I received an updated consumer report from XXXX showing where they corrected the name on my report and removed XXXX of the CC applications from XXXX XXXX, but did not remove the other XXXX applications, claiming they were verified and would remain on file, although, I sent a letter head in from XXXX stating they had no record of such application. 

They are also falsely reporting a bankruptcy on my consumer report, claiming that XXXX XXXX XXXX has furnished this information. 
XX/XX/XXXX XXXX XXXX sent correspondence stating that they have deleted the bankruptcy from their file. I have enclosed this document. 

XX/XX/XXXX XXXX sent correspondence stating that they deleted the address associated with this bankruptcy as well as the name associated with this bankruptcy. I have enclosed this document. 
XX/XX/XXXX I wrote to The XXXX BANKRUPTCY COURT requesting their procedures on reporting bankruptcy information. 
XX/XX/XXXX The XXXX Bankruptcy court wrote back letting me know they do not report this information. I have enclosed this document. 
XX/XX/XXXX I wrote correspondence to XXXX requesting their reports on me and they clearly state that if the bankruptcy was before XX/XX/XXXX they did not report this information to XXXX that it went through XXXX. I have enclosed this document. 

XX/XX/XXXX I am now disputing this information again with the XXXX dispute form they provided and copies of the consumer report along with the letter heads and documents to support my position.
Consumer complaint received 2023-10-22
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting these inquiries be removed from my XXXX Credit Report XXXX XXXX XXXX - XX/XX/XXXX The ran my credit, and I told them not to run it. I called and made a complaint. They stated they were going to remove it, but no one has called me back. I would like this removed. 

XXXX - XX/XX/XXXX They ran my credit, and it showed up as a inquiry. I did not agree to this, and would like this removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize this. A inquiry was made, and I would like it removed. 

XXXX - XX/XX/XXXX and XX/XX/XXXX This company did a inquiry within a two week period. I did not approve this. I would like both of these removed. This being done twice is a mistake on their part. 

XXXX - XX/XX/XXXX I have no idea what this is, and requesting this inquiry to be removed. 

XXXX - XX/XX/XXXX Again, XXXX is running my credit. I would like this inquiry to be removed from my credit report.
Consumer complaint received 2023-01-20
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: WELLS FARGO & COMPANY (OR)

Allowing withdrawals when I don't have the funds then chargeing me a overdraft fee, Holding my payroll checks for days before cashing then and overdrafting my account for service fees if I don't have enough funds.they always seem to find a way to take money from me.
Consumer complaint received 2024-04-13
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: OneMain Finance Corporation (CA)

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

every day I have overdrafts, ( especially when the weekend ends ). if my account is overdrawn and I am aware of it, I transfer money myself to cover the overdraft as soon as I know it, but still overdrafts appear and they do not give me information about what they are ( sorry if it's a bit misspelled ) Thank you.
Consumer complaint received 2023-07-28
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (WA)

On XX/XX/XXXX I received a letter from Scheer, Green and Burke, Co. L.P.A. stating that I owe XXXX with an account number of XXXX to XXXX XXXX XXXX. 
I tried to call and make contact to verify the debt on XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. No calls were answered when my call was said to be 1st in line and I was eventually sent to voice mail. I left my name number and account number and there has been no attempt to call back from them. 

I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and discovered that my bill was paid in full when my check was cashed on XX/XX/2019. They told me I had to dispute the collection with the agency but, the agency doesn't seemed staffed to deal with people just a website designed to take payments. This is an aggressive design with no option other than forcing people to pay to salvage a mark against their credit.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXccount # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.