davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (TX)

I have contact transunion multiple times regarding an account that doesnt belong to me. The name of the creditor is XXXX. I have requested for a copy of this contract or proof that Im the owner of this account. However, creditor nor transunion can provide this. They also reported that the account was closed on XX/XX/2023 but thats false. I would like to have this account reviewed and proof of ownership provided to me. If not, please have this account deleted from my report.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (AZ)

Flagship filed a false response to an earlier complaint stating we could have a one month extension. Yesterday, XX/XX/XXXX, I received a call from XXXX at Flagship staying we could not have an extension. The Flagship employees do not talk to each other. Obviously, XXXX and XXXX DO NOT know what each other is doing with our account. My new job start date was delayed due to the background check. I started on XX/XX/XXXX and will not receive my first check until XXXX. The co-borrower starts their new job on XXXX and will not receive their first check until XX/XX/XXXX. Hopefully, Flagship will not continue to constantly call so we will not loses these jobs and put us further behind!!! They are harassing us!!! We know we owe them!!! Our other car loan company has been very gracious and understanding - Flagship should take a lesson from them!!!
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

Chase Freedom Credit Card Charged cash advance fee for a yoga class. 
Incorrectly assigns XXXX transactions a cash advance status Charged over {$100.00} in fees. 

Notification setting of card notification setting intentionally misleading. 
Failed to notify of {$10.00} fees on XXXX occasions
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Yesterday, I received a call claiming to be from Wells Fargo. The person on the line said there had been several fraudulent charges made on my account, listing off several specific charges. It sounded identical to real fraud alert calls I had received from other banks and credit cards. They said that, due to the amount of money being transferred, the FDIC was getting involved and they would have to call me back the following day to continue the investigation. The speaker talked very formally and professionally, so I believed them. The next day I got a call back at the exact time they said they would and they started giving me step by step instructions to recover from this supposed fraud attempt. It seemed like they were asking me to make a wire transfer, but he kept insisting, " Your account is locked. This money won't actually go through. You'll receive an error message. '' But the money DID go through. At that point I sensed something was really wrong. He started asking for my debit card information, claiming he needed it to cancel the card and send me a new one in the mail, but by that point I didn't trust him so I didn't give him the information. Still, he kept insisting that the wire transfer was only temporary and stayed with me on the line for several dozen minutes while I waited for the transfer. I don't know why he wanted so long -- perhaps in the hopes that I would give him more money, or perhaps he was waiting out the XXXX minute period where supposedly you can more easily cancel wire transfers.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I opened a PNC Account on XX/XX/XXXX giving the bank attendant my PA Drivers license that states my name, XXXX XXXX. The person who opened the account for myself, and my son stated that they ( PNC ) had me in their system from back in XXXX as XXXX XXXX, my then married name and that it would be easier if I kept my name as it was in their system even though I gave her my drivers license stating my name as XXXX XXXX. I called on XXXX XXXX, XXXX and asked to close my account since I had seen that my son had changed the overdraft protection on the account and that there was a negative balance of $ XXXX. I called the PNC Bank ( location XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) asking if I could make an appointment to come in and pay off the negative balance and then close the account. They said I would have to bring my divorce decree showing the name change ...!!!???? I was divorced in XXXX and do not have such paperwork anymore nor should I have to since I didn't sign up as XXXX XXXX because that is not my name anymore! It was in XXXX but I opened this account in XXXX using my name XXXX XXXX. They won't let me close my account because of their own choice of what my name should be.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CA)

Navient financial continues to send me erroneous debt collection emails. I have repeatedly asked them to remove my email address and to cease all communication with me. 
I have no relationship with Navient and their continued threatening email is very unsettling. 

I just want their erroneous threats to stop. 

Below is the latest email I have received from them : Last Day to call this office XXXX by XXXX Regards, XXXX XXXX Team Lead Specialist Charge off Unit XXXX XXXX
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

So Ive had this account for a few months now and Ive had money deposited and taken out of the account a bunch of times. Ive been waiting for unemployment checks to get deposited into this account and finally it did last week and now they are telling me they dont wan na do business me with anymore and they are holding my money for 180 days then they will email me about receiving my money. Ive been waiting 4 months for this money and have bills months behind and when I finally get the money this company does this to me. Im devastated by this
Consumer complaint received 2020-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AZ)

I reached out to the company via mail on XX/XX/XXXX. I requested validation of debt and I never received a response back. It has been more than 30 days, violating my FCRA rights. The agency has unverifiable information therefore, They need to delete all information from all credit bureaus. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (NC)

I was into a rental lease with XXXX XXXX XXXX, managed by XXXX XXXX XXXX, XXXX. It ended on XX/XX/2022. I had no debt to them at that point. After several months, they started harassing me with emails, and, eventually, with a collection agency, BYL Services, for a completely unjustified amount of {$330.00}. I have repeatedly disputed this with the company, the collection agency, and XXXX, but to no avail.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a 609 letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2022-11-07
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. (CT)

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have two checking accounts with Capital One Bank. One account I do not have a physical checkbook for shows a customer withdraw of {$2500.00}. I did NOT withdraw funds from that account in that amount, nor did my husband. I called the Capital One fraud department and they placed me on hold and transferred me multiple times, only to hang up on me and NOT call me back. I called once more and sat on hold for 30 min to find out the withdraw was a " bank error '' and that it was not fraud. I was told my funds would be refunded. This was suspicious to me so I called back. It seems as though a bank employee took funds from my account as they have NO explanation how the funds were withdrawn. Just stated bank error and they were NOT going to open an investigation and would NOT provide me with the withdraw slip or check that corresponds with the withdraw. This is highly suspicious. I want an investigation opened as to how the funds were withdrawn from my account. And, why could they not immediately credit back my funds. I am to wait DAYS to get money back from their supposed error. {$2500.00} is a lot of money to disappear from an account, especially the end of the month when I have bills due. Please help me open an investigation as to why these funds were withdrawn.
Consumer complaint received 2020-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (NJ)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I attempted to deposit {$100.00} in cash to a Huntington bank ATM on Saturday XX/XX/2023 at approximately XXXX XXXX at the branch on XXXX XXXX in XXXX XXXX. The ATM took my cash but did not credit my account or give me a receipt. I have tried 4 times to call the bank and they keep transferring me to customer service but there's no option for the problem that I have. The folks at the branch keep telling me there's nothing they can do and they hang up on me. I've not been able to get any resolution and I've lost {$100.00}.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX  XXXX  knowing let my XXXX  use my information to buy a car I did not sign a contract she had no power of attorney she went in to buy a car her credit didnt go through XX/XX/XXXX they allowed her to use my information sign the contract and drive off she returned the car XX/XX/XXXX was told they would give her the refund back and end contract only to denied it on XXXX I found out on that day I went in to dealership and informed them that I did not want said car and wanted out of contact they informed me that I gave them a verbal power of attorney which I did not and its not legal Ive let Capital One know what was happening and they are not helping either I just want out on this deal
Consumer complaint received 2022-11-07
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. (NJ)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (SC)

I have 2 issues here. The first in the incorrect reporting to the credit bureau and the 2nd is the unlawful charging of simple interest on the loan. 

I Paid on account on XX/XX/2020. I have a receipt showing that the payment was made XX/XX/2020 and the company states that the payment was made on XX/XX/2020. My payments are due on the XXXX of each month and should not roll 30 days late until after the XXXX of the month. I have tried reaching out to the company regarding this issue and has spoken to management ( XXXX ) who stated that there were some errors in reporting on my loan. 

If the company is posting payments the days after the payment is made, they are collecting interest that is not due to them. 

I would like a full review of my account and corrections made to my credit report and all unlawful interest credited back to the loan.
Consumer complaint received 2020-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I applied for a loan mod in XX/XX/XXXX2020 and was approved. I made all 4 trial paymbts and my title showed a child support judgemnt that has already been paud in full. I provided Lakeview proof of it being paid in full on XX/XX/XXXX and as of this day they have not cleared the title issue. My credit is being hit hard every month and up to this date I have made 8 trial payments. I have never missed a single payment. I have also sent proof that according to family law the judgemnts remains only until paid. I don't want to lose my home. Title should have already omitted this line to complete my mod. I have escalated many times and not getting anywhere.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

I paid off my account at the end of XX/XX/2022. I noticed my credit report still lists a large balance for the past several months. I've asked the company, XXXX XXXX to update it and they have refused saying they are going through a system update and are not updating to the credit bureaus at this time.