davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX  {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020, cardmember initiated contact with Capital One and went through a very lengthy process to get the account un-restricted. I was advised there was a lift on the account after the representative contacted my bank and had them on the phone with me to verify information on the account. I called back 30 minutes later and was told that the account was restricted and that they would need to send me a text message and contact my bank. Prior to this, I had a " Supervisor '' on the phone who was unwilling to assist or cooperate with any of my requests. Needless to say, I believe she was very unprofessional over the phone and my thinking is she needs to be terminated. Each representative gave different accounts of the processes that occur for Available Credit at Capital One. This is a reminder that being rude to customers over the phone will not help any company long term. Either I get representatives who can not articulate sentences in English well enough, or I get people who have a clear neglect for building on customer relations and just ignore requests over the phone while being rude in the process. Complaint is also being addressed with the FTC, the XXXX, and to investigate what Capital One employees are doing with my information. I also feel that every representative including supervisors need to be drug tested, as their inability to handle situations professionally leads me to believe that they may be under the influence of some type of abusive substance.
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (FL)

i had leased a XXXX XXXX XXXX on XX/XX/XXXX and made regular payments till losing my job/XXXX in XX/XX/XXXX as result of covid. when i called them they said no problem abt making payments in future. XX/XX/XXXX, without proper notice they repossessed the car and again with proper notice sold it on XX/XX/XXXX. now they are asking me to pay towing charges, diff between the sale price and amount due ( which i can't afford ) i need your assistance as i can't afford a regular attorney in this matter. 
i would appreciate if this would not effect my credit in a negative way .they took major advantage of me while leasing this vehicle back in XXXX. i complained to the General Manager the day after i picked up the vehicle but he kept ignoring my calls for days. after the assistant general manager finally called me back, he said he'd reviewed the deal and that i had gotten a great deal. i traded in my XXXX  worth atleast {$9000.00} as down payment and had been paying every month on time before i had to close my XXXX ( covid ) and couldn't afford the car payments.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I have reviewed my credit report in XX/XX/XXXX. I have noticed 2 Amex Credit Cards were opened fraudulently. I was living in XXXX since XX/XX/XXXX and only returned to US in XX/XX/XXXX. 

1. Amex Platinum Credit Card ending # XXXX 2. Amex XXXX XXXX Credit Card ending # XXXX I have notified Amex fraud operations that the above accounts do not belong to me. I have also provided FTC Report, Police Report and ID proofs to Amex Fraud Operations at least 4 different times. I was issued Case # XXXX, XXXX, XXXX, XXXX, XXXX, Case # XXXX, Ref # XXXX I have followed with Amex by over 40-45 phone calls, the latest phone call was made today and spoke to XXXX XXXX in Amex Fraud Operations and XXXX XXXX in Amex Credit Bureau Unit. XXXX XXXX continued to state that Amex will not stop reporting inaccurate business credit card information on my personal credit profile, XXXX XXXX claimed the reporting of business credit card information on personal credit profile is per federal guidelines. When I asked to provide evidence, I was asked to send a letter in writing to Amex General Counsel. I did fax a letter to XXXX. 

Due to inaccurate reporting which is a result of identity theft by Amex, my mortgage got denied, this was informed to Amex as well. 

I am attaching the following documents to with this compliant 1. Letter faxed to Amex on XXXX XXXX, XXXX 2. FTC Report 3. Police Report 4. Amex XXXX XXXX Credit Card Statement ( received from Amex recently ).
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (AZ)

My loan has been paid in full and the check was received on XX/XX/XXXX. I have the USPS tracking info. 

I have tried to call Sallie Mae to explain that the entire amount was paid but each time I call I am disconnected when transferred to escalations. Apparently, escalations handle this issue by paying the account in full. 

I have also tried to email customer service to inform them of the status. However, it's impossible to get to a real human being who is able to help you as the consumer. I'm quite concerned about this company and their practices. 

I just need them to apply the funds to my account, close it, and then to report it as paid in full and to stop contacting me.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KS)

My mortgage is serviced by BSI Financial Services. I have no missed or late payments in the history of my loan. In XXXX, XXXX, my debt to equity fell below 80 %, and I requested PMI to removed. My request was denied. I submitted a second request in XXXX, XXXX, and I was told that it was also denied although my debt to equity was below 80 %. 

I have contacted BSI several times, and the associates tell me that they are confused why the PMI department denies my request because my debt to equity ratio is below 80 %. The original appraised value was {$250000.00} and my current principle balance is {$200000.00}. Reasons I have been told by BSI associates that my requests have been denied are : * Debt to equity computation is determined on " sale price '' not appraised value *I would not be able to request removal of XXXX based on my closing documentation. ( Note : this is not true. In my closing documentation, it states that based on the 'initial amortization schedule ' I would be able to request removal in XXXX. However, I have been make additional principal payments and I was eligible to remove it XXXX, XXXX. ) *The home appraisal needs to be less than two years old.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I deposited a check for the sale of a car into my overdrafted checking account on XX/XX/23. The check was very large at {$92000.00} and was written against a XXXX XXXX XXXX  account the dealership owns. A deposit hold was placed on this check in the early morning hours of XX/XX/23, which made sense. The check was verified by Wells Fargo and the funds cleared and posted to my account on XX/XX/23 at XXXX in the afternoon. The notification of the clearing of the deposit stated the funds would be available on XX/XX/23. On XX/XX/23 in the early morning hours, a balance notification was sent to me showing a positive and accurate amount of available funds in my checking account. I then received a notification on XX/XX/23 at XXXX that these cleared and posted funds were forced into a second deposit hold, even though the funds were cleared and posted by the Dealerships bank and my bank. The second deposit hold reason is " Signature On Check Was Irregular, '' but after verifying with Wells Fargo that this occurred on their end, not the Dealership 's bank 's side, I have not received satisfactory information on how the signature was determined to be irregular, when the woman at the Dealership who wrote the check has had no prior business with Wells Fargo -- how does Wells Fargo even know what her signature looks like? I have repeatedly called, escalated, and made it a point to inform Wells Fargo that they are duplicated check verification steps for a check already cleared and posted. The bank refuses to release these funds that are surely due to me, until XX/XX/23 at the earliest, but the verification may take up to XXXX additional days.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I reached out via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to National Credit Systems and XXXX. 

National Credit Systems placed a collection in the amount of {$5400.00} on my credit file in XXXX of XXXX. I received a letter from a private attorneys office in XXXX attempting to collect on the same account. After three attempts in reaching out to both XXXX  and National Credit Systems, the account still remains on my credit report and I have still have not received any correspondence from National Credit Systems. The account has been removed from my credit report by XXXX  and XXXX  since XX/XX/XXXX.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-09-30
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 there was an unauthorized charge on my XXXX Mastercard ( Barclay Bank ) account in the amount of {$50.00} for a charge to XXXX. I called Barclay Bank and they reversed the charge of {$50.00} charge and the card account number was cancelled. Barclay Bank stated that they were going to mail me a new card. I never received a new card. 
Then on XX/XX/2020 and on XX/XX/2020 there were six ( 6 ) unauthorized attempts to withdraw money against my account at a XXXX XXXX. I received an alert on XX/XX/2020, I called Barclay Bank and informed them that I never received the new card and that I never attempted to use the card at a XXXX XXXX. On XX/XX/2020 Barclay Bank stated that they would investigate the fraudulent {$700.00} that Barclay Bank did permit to go through on XX/XX/2020. On XX/XX/2020, I called Barclay  Bank because I saw the unauthorized {$700.00} cash withdrawal at a XXXX XXXX did go through and it was appearing on my paper statement. On XX/XX/2020 the Barclay Bank representative stated that since the {$700.00} withdrawal was a card with a " chip '' and used at a merchant, I am responsible for the transaction.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased at item off XXXX seller " frauded '' me and sent me a " XXXX man '' in an envelope figure instead of what I really ordered. Credit card credited my account, and then said months later added the charge back on, because they said i should have returned the " fraud item ''. No one told me to return a XXXX  figure to XXXX, and now they are charging me again for a product that was never really sent to me.
Consumer complaint received 2024-02-08
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. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, regarding the Alleged Credit Card Receivables Account.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

Hunter Warfield has contacted me several times about a fraudulent debt being reported by a leasing company. I called to dispute several times and provided a paper trail of conversations directly with the leasing company that shows they agreed that I do not owe them any money. They are attempting to charge me rent for the entire month of XX/XX/2022 even though I did not live there and communicated to them that I was no longer living in the unit. This company has been very unprofessional in their validation of the debt with the clear information I provided that shows the company said my balance was clear. Attached you will find pictures of the conversation directly with the leasing department invalidating the charge they are pursuing. This is a case of a company not being true to their word and attempting to take advantage of an individual without properly communicating with them.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I went on Capital One website to request an credit line increase and was denied. I have a credit card limit that I pay off several times a month because the limit is small ( {$600.00} ) compared to my income ( {$180000.00} ). The credit limits as they stand do not statisfy my current credit needs. I understand that my credit score is only fair but I have income that I can afford and maintain a higher limit card. I contacted Capital One but I am always referred to the automatic system.
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 status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (AZ)

On XX/XX/2020 I submitted a request to have my Private Mortgage Insurance removed having just paid the principle down to 78 % XXXX. One of the conditions of cancelling PMI is to provide evidence that there are no secondary liens and evidence that the property value has not declined. I have asked numerous times for XXXX to tell me what the evidence is I need to provide to have my PMI cancelled. Nobody is able to answer my questions and I am unable to get PMI cancelled without this information. They are effectively denying my cancellation request and violating XXXX in the process. 

I am asking for intervention to make them tell me the proper evidence needed to remove PMI.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

XXXX Bank account XXXX XXXX XXXX account XXXX I am disputing these fraudulent bank accounts that was open in my name for the third time with Early Warning services upon the investigation these accounts was blocked because of fraud But the the month of XXXX they have been rescinded back into my early warning services report. Early warning need to realize these companies did not do a fully investigation and so did early warning services. Early warning services clearly violated the fair credit laws that retaining about fraudulent accounts. I have submitted more evidence which I'm mailing off on XX/XX/2023 to block these fraudulent accounts again. Please pay attention to the signatures of mine to these companies which does not add up to mine during this fraudentlent incidence.
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but Equifax and XXXX refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because Equifax and XXXX  won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I bought a prepaid {$100.00} Visa gift card ( their # is XXXX ) at a charity silent auction in XX/XX/XXXX. I attempted to use it for the first time in XX/XX/XXXX. I was informed there was nothing on the card as the entire amount had been used to make a purchase at XXXX on XX/XX/XXXX. I contacted XXXX who confirmed the use and stated they knew who used it and it was fraudulent ( the buyer had used other cards fraudulently as well and they were investigating ). They told me to contact the card issuer for a refund. I did in XX/XX/XXXX explaining what happened. They told me to send in a copy of the card and a request to register it in my name and they would issue a refund. I did in XXXX, but today they informed me they would issue no refund because I didn't have a receipt proving I bought the card. Since I bought it at a charity silent auction I have no receipt. The organization has no record of who provided this particular gift card for the auction ( even if they could, that person wouldn't have a receipt 18 months later ). I don't think it's fair that I'm unable to get the {$100.00} put back on my card when XXXX confirms it was fraudulently used. Can you help?
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On or about ( XXXX  ) XXXX, XXXX XXXX I took out a personal from the Navy Federal Credit Union while I was XXXX XXXX  for the amount of {$2500.00} with payments of {$160.00} over 18 months maybe 24. I made my first payment on the loan XXXX XXXX, XXXX. At the request of my spouse I borrowed an additional {$2500.00} XXXX XX/XX/XXXX ( I'm not certain exactly ). I just made a payment of {$270.00} this XX/XX/XXXX as my balance was showing {$530.00} with {$590.00} due. I sat down and did due diligence arithmetic on my payments. I have paid out in excess of {$11000.00} having only borrowed a principle amount of {$5000.00}. Now we all have heard of the term 'loan sharking ' and considering how much I have paid NFCU, I do not believe this term to be unreasonable in describing my experience.