davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX I pulled my free annual credit report,  after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Consumer complaint received 2021-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MD)

After defaulting on one of my student loans, I had scheduled some monthly hardship payments over the phone. The first installment I had scheduled was in XXXX where I spoke to XXXX. She explained my limited options and suggested a settlement plan with their own private debt collection agency. Her explanation was brief and I asked where I could get more information on their specific program/policy. I was told they are common and I could do a generalized search online. I explained how I wanted something company-specific so I could understand what I would be agreeing to with no success. I scheduled 3 monthly hardship payments and ended up calling again in XXXX to schedule 2 more. During that call, I asked again for specific information for their settlement option. I was navigated to the bottom of their website for more something more specific but it ended up being a wild goose chase. This week, I sent a message to their customer support explicitly requesting literature for their settlements be sent to my email address on file. The next day, I was sent a generic reply to call their direct support line so they could better assist me. I do not think it should be this hard to make an informed decision about how I handle my debt.
Consumer complaint received 2021-12-17
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: TRUIST FINANCIAL CORPORATION (PA)

I checked my credit report and noticed that it has been used without my consent and there was and attempt to apply for credit in my name i talked this over with these companies ' numerous times i need this investigated and removed!! 

XXXX XXXX XX/XX/XXXX BB & T XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (GA)

I was told to pay an amount to recover the vehicle.When I paid they applied all the money to interest and late fees.Nothing was applied to the principal or recovery fees.The agents lied about the payment purpose.Most of the people I talked to.lied about getting the vehicle released.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IA)

I deposited a check and afterwards i put in a stop payment request XXXX day later, my account was put in negative by {$25.00} for the Stop Payment Request. I planned on putting CASH in my account well now when i try to login it says " Account Locked for Suspicious Activity '' i called Chase and i was told my account would be unlocked within XXXX hours.. its been XXXX hours and my account is still locked and ive gotten charged an overdraft fee now because of this. 

Never had any issues with this bank before but this is insane
Consumer complaint received 2021-12-17
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)

I was checking my credit and i have to say that i got disappointed, Because it's not my account and You are still reporting this. I got letters which says, that they are agreeing, that this account was open fraudulently. I sent mail to this company and asked to send me proofs with my signature, they never send it to me. So means this is not my.
Consumer complaint received 2019-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

My car was recently totaled. The insurance settlement was not enough to pay the balance owed and GAP insurance refused to pay because the value of the car was considerably less than the balance on the loan. I reached out to Santander to inform them of this issue to see if we could come to a settlement that is fair to both parties or have my payments lowered so that I can afford them, considering that I now have to make payments on a vehicle I now longer have.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MN)

We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C. (MA)

I already took care of what the credit card company wants in return. So tell this stupid collection job company of what they are trying to do which is collection fee 's interest. I already took care of what needs to be done. It's been taken care for about a year already. Back off I'm taking care of it already for a year now. The debit is to XXXX XXXXXXXX not collection I was told to take care of it before it went to collection and I did so take them off my credit report and stop mailing me fraudulent letters seriously.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

American Express company will not open personal or business account in my name because in or around year 2008 it closed my accounts. In or around 2008 I had several open American Express account ; some where charge cards and some carried revolving balances. When the 2008 banking industry crisis occurred American Express on a short notice demanded that I pay down or pay-off revolving balances. Because some accounts were carrying business expenses, I needed more time to pay down balances, however, American Express closed all accounts without any notice. had I been given an opportunity, I would have paid down or paid off balances in full. Millions of individuals and businesses were financially hurt during the 2008 economic tsunami, and through no individual fault lost personal investments and lifetime savings. XXXX years have passed, and I have tried to re-establish credit relationship with American Express, however my efforts have been stonewalled every time I had applied for a personal or business account. It is hard to believe that American Express has a policy which permanently bars applicants like myself from getting new credit only because I was a victim of 2008 financial global crisis.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

After successfully completing a 3 month trial modification which took the lender 6 months to get initiated, the lender did not follow through on providing the final modification document until 4 months after the 3 month trial was completed. During that 4 month period, I was told I could n't not make any more payments. When they finally provided me with the final modification document, I was told I had to make a lump sum payment for the 4 month period before the modification could be finalized. I made the payment and mailed the documentation. My certified check was returned and I sent it back. The lender denied the modification because they stated they did n't receive the payment or documentation. Subsequently, they acknowledged receiving the payment but not the documentation. They said I would have to start the modification process that took a year all over again.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

They have been harassing me for months on this credit card debt they call me with numerous different numbers they call me late night sometimes XXXX or later they call me more than 5 times a day i stress so much on a daily because they call so much. There was one day where i counted how many times they called me it was 10 times.. In one day its getting so bad that i feel like i need to check myself in mental health my brain gets so.tight i cant chamge my number because.my children school. Family ect.. Have this number
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (OK)

I owe about seven thousand dollars to the VA across three different accounts and received two letters. In the first sixty days of becoming aware of this debt, Pioneer Collections had sent me a total of two letters. The first letter was a threat to garnish taxes and the second letter was a threat to garnish wages. The threat to garnish wages was received on XX/XX/XXXX. I contacted the debt collection agency and their call menu had guided me to a notification that a payment must be submitted in order to enter into a payment arrangement plan. I sent a total of {$55.00} through my bill pay application on my phone. Then I left a message requesting callback. I was willing to take care of the amounts that were owed. 

During that call the person that I had came in contact with tried to tell me that in order for me to enter into a payment arrangement with them that I will have to submit another payment by the XX/XX/XXXX. Then they were really quick to demand financial information such as my pay stubs. They were not even factoring into consideration the basics such as the fact that I do not have a vehicle, I do not have a state drivers license, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) while employed. I don't have any property and fall beneath an acceptable margin of living according to most federal assistance programs such as Food stamps, Medicaid, and some of the Low Subsidy Programs. 

Instead of emphasizing in my right to lick my wounds after a COVID outbreak that has resulted in a divorce, XXXX deaths in my family, XXXX, and XXXX years of XXXX and being appreciative that I am there to take accountability and a little bit of fiscal responsibility for the balance of these accounts they started treating me as if I had been avoiding the debt. They didn't appreciate the fact that I was there for the first time ever ( despite the bereavement ). Instead they were quick to mention that the debt is five-hundred and somewhat days old and that they are interested on taking action through my new employer, wages, and tax returns. 

They did not seem very opportunistic at all and are not interested in the bigger picture of allowing us to heal up so that we can take on more fiscal responsibility in sight of hard times, difficult challenges, and are quick to indicate to the consumer that it is their fault that these hard times have happened.
Consumer complaint received 2021-12-18
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: Porania, LLC (NY)

This account don't belong to me. Please remove this from XXXX and XXXX. Please see below the account that is reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2024-05-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX action requested ; To have illegal hard inquiries removed
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO.

PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE.

IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.
Consumer complaint received 2021-12-18
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: BARCLAYS BANK DELAWARE (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (UT)

My name is XXXX XXXX. I applied for a home loan with XXXX XXXX ( XXXX ) Senior Loan Officer Sales Manager XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX O : XXXX XXXX # XXXX | XXXX XXXX XXXX  XXXX. She told me that we had underwriting approval so i put {$4000.00} into the contract to close on a house. come to find out we didn't have approval and she wrote an approval letter for my realtor. She also ran my credit 2 times without approval. She told us that we had approval for {$530000.00} turns out I could only get {$410000.00}. so how did an approval letter of {$430000.00} go out?????
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

They have reporting inaccurate, and unverifiable items to the credit bureau. I have sent them a letter over 45 days to show the proof of how this came about, and they have refused to contact me regarding same.
Consumer complaint received 2021-12-18
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-18
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX : {$8700.00}
Consumer complaint received 2021-12-18
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 (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity ThefXXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXF XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I had applied for the Evergreen credit card with FNBO bank ( https : //fnbo.com/ ). The application was submitted on XX/XX/XXXX ( APPLICATION REFERENCE NUMBER XXXX XXXX XXXX XXXX ) The bank asked me to submit the driving license, W2 for last 2 years and the Social security card and I faxed the documents over to the Bank a week back. The bank then said that my Social copy was NOT clear so I emailed them my Social card yesterday XX/XX/XXXX. 

Today the bank declined my credit application without any valid reason and its almost after 2 weeks I come to know that I am denied for no reason. I think the Bank is not treating all the customers equally in financial lending. Hence I am very disappointed and raising this complaint against FNBO.
Consumer complaint received 2020-02-27
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: AutoNation Enterprises Incorporated (TX)

i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.