davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

On XX/XX/2020 I decided I wanted to start working on my credit score. I was able to create an online account with both XXXX  and XXXX  with no issues. When I tried to create an account with Equifax I got this message : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' The number listed to call was XXXX. 

I called that number and after spending 10 minutes with the automated system answering different questions I finally spoke with a gentleman who only spoke very broken english. He told me that in order to create my account I needed to fax my driver 's license and social security card to Equifax 's fax number at XXXX, and to include a brief description with my name and why I was sending it in. I did that immediately following our phone call. 

Quite some time had gone by with no further contact from Equifax. Today, XX/XX/2020 I decided to call Equifax. Again, I spent 10 minutes with the automated system, and again spoke to a woman with very broken english. She looked into my account and could not find my documents. Naturally, this is very concerning to me considering the nature of the documents I had to fax in. I did confirm with her that I had changed my full first, middle and last names a couple years ago which explained why I needed to do this in the first place. 

She told me that there was no way for her to track down where my documents ended up. She could not provide me with a department name or phone number to call. When I asked to speak to a supervisor she put me on hold and never came back to the line. 

Normally I would not be upset however this encounter is really disturbing for me. I have no way of knowing if an employee at Equifax stole or misplaced my very sensitive documents and there is nobody in the call center who can help me track down where they might be. I know for a fact that my fax was delivered and received because I still have my fax confirmation. If it had failed to send I would have gotten an error instead.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (KY)

PNC will not allow XXXX to link to my account. It has worked in the past until they made a change preventing my account to fully sync. This has created a loss in revenue due to XXXX  being an investment account. PNCs action was unapproved by me. I am currently able to have automatic deposits into XXXX, but PNC wont allow roundups, small irregular deposits Into XXXX, to be taken out.
Consumer complaint received 2023-05-08
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HANCOCK WHITNEY BANK (MS)

While this incident has happen several times I just started to keep track of this. In several occasions Ive made transfers to my checking count from another in house checking account to cover an overdraft and the following day I am still charged a fee. On XX/XX/2022 I made a transfer of {$15.00} at XXXX to cover an overdraft. Ive been told on several occasions that the cut off time is XXXX cst. I still received a fee the following day. This fee was refunded but it was only because of a manager. After that this happened several more times. Just recently there was some fraudulent transactions on my account and after I was refunded the funds back on XX/XX/2022 I was charged a {$36.00} fee for sustaining a negative balance even though it was negative due to fraud. On XX/XX/2022 I made a deposit of {$650.00} which made my balance XXXX. XX/XX/2022 There was a transaction for {$100.00} to XXXX XXXX, {$210.00} to XXXX, and XXXX XXXX for XXXX and it left me with a balance of {$68.00} per the mobile banking website which was incorrect. On XX/XX/2022 I woke up to a negative balance and 2 NSF fee when my posted balance says {$580.00}. The representative said there was a transaction for {$570.00} that tried to come through but that doesnt reflect on the mobile banking. When I asked her why cant I see the transactions she said I need to go into a branch and talk to a manager. When I explained even if the {$570.00} was coming out the balance is {$580.00} that doesnt explain the fees. She had no response. Whitney Hancock has done this on so many occasions XXXX cant even count. Monday morning I am going to close my accounts and go to another bank that isnt predatory.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion I have two issues with this company. Number one, my score is SEVENTY FIVE points lower than both XXXX  & XXXX. It is impossible to get through to an agent. We are trying to obtain a home loan, and there is no way to communicate with this company in a timely manner. They are owned by XXXX XXXX, this is owned by the XXXX. Why in the world do you let the words largest bankers run a credit reporting agency? 

Secondly, when TransUnion asks you to sign up for an account, they DO NOT mention AT ALL there is a {$24.00} fee for credit monitoring. If you look, there and thousands of complaints about this. 

None of this is acceptable. I demand my {$24.00} back, and I am contacting the Delaware Attorney General to file a complaint against TransUnion. 

We bailed out these people 12 years ago, now during a pandemic we are getting crapped on. I will not tolerate this.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-08-06
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXXXXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (AL)

Account was opened XX/XX/2017 only missed 1 payment due to job loss spoke with them I tried to make a payment arrangement they refused to work with me after 1 missed payment they repossessed my car then sold it and put a balance of {$3500.00} on my credit after the account was already closed
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AR)

IN XXXX XXXX  XXXX  STOLE FROM MY XXXX  XXXX XXXX  EXEMPT FUNDS DUTRING H.A.M.P. LOAN MOTIFICATION EXPRESS PAYMENTS OF XXXX XXXX TRANSFERS.
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NE)

I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020. 
I have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}. 
On XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank. 
I sent a copy of " old '' payment method blank check and a copy of my " new '' payment method bank statement per XXXX  's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the " old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX. 
When their debit was returned " closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!! 

Please intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, transunion and XXXX are I major violation for not providing me notice of dispute for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX and transunion have violated FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information toconsumer reporting agencies [ 15 U.S.C. $ 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by anyperson to any consumer reporting agency is disputed tosuch person by a consumer, the person may not furnish theinformation to any consumer reporting agency withoutnotice that such information is disputed by the consumer. 

XXXX, transunion and XXXX will need to provide proof that they gave me notice of dispute for all accounts I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (PA)

In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (CO)

I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing XXXX XXXX to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. XXXX XXXX did NOT validate this debt, All credit bureaus have removed this acct except Experian
Consumer complaint received 2020-08-06
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. (NY)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}
Consumer complaint received 2020-10-02
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: Sequium Asset Solutions, LLC (CA)

I spoke with Sequium I ask them for proof of debt but they said they dont have it since the bill is owned by XXXX XXXX XXXX. They wont pay for deletion even when they have an old address of mine in XXXX XXXX. I never had communication with them. This is unfair that am trying to make this right and they refuse to help me. My account number is # XXXX XXXX XXXX XXXX account # XXXX.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Transuion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed/deleted. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 


Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX has fraudulently report 2 false balance to collection due to a change of management. I had a membership at XXXX XXXX, during covid I had some false charges despite all gyms being closed at the time. Later on, I realized I had an outstanding balance, I paid the balance and decided to closed the account membership. 6 months ( XX/XX/2021 ) later I realized they had reported 2 false collection balance to the all three credit bureau ( XXXX, XXXX, XXXX ) by the collection company name ALDOUS AND ASSOCIATES. I've contacted the original creditor, and they have reassured me that I never had a balance that went to collection. The original credit said error occur due to a change of management.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I closed my business account with a branch of citizens bank located XXXX XXXX XXXX XXXX PA XXXX on XX/XX/2023. I was instructed on the XXXX to wait until someone contacted me because all pending transactions had to be completed before they could give me the sum of my account. These instructions came from XXXX XXXX XXXX, I received that call from XXXX a banker that I could come and get the check but I had to pay a XXXX fee and again that was the XXXX. Little did I know that they had not informed me that XXXX XXXX XXXX cashed a check for XXXX on XX/XX/XXXX but my account was XXXX balance. A day later I received a call from a Citizens collections representative who stated that my account was overdrawn by XXXX because they sent the check to XXXX. They claimed that they could open my account and send this check because it was on bill pay. I closed the online banking bill pay and the opened my account again claiming they could open my account and send checks even with
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

Navy federal froze my accounts on XX/XX/XXXX I have talked to numerous of reps and have been told different things. I have had my accounts for a few months now, one rep stated that I had to show proof of relation to another navy federal member, This information wasnt requested when I initially opened the account why now?? I then was told that my accounts was froze due to a transfer I received, which one is it why is my accounts frozen? I have been inside the branch with no help at all I have sat on hold for hours over the last week and my accounts still are locked I have provided proof of my identity as well as address my accounts are still locked
Consumer complaint received 2020-08-06
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. (IN)

Goo day, In regards to my credit an error has been created due to Trans union credit reporting or XXXX XXXX XXXX XXXX. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from XXXX XXXX an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. Trans unoin b lame XXXX and XXXX blamed transuion for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I did three purchases of {$52.00} on XXXX back in XXXX from the same seller and turned out he was a scammer. XXXX messaged me the next day saying the sellers account had been removed for fraudulent purposes. I filed a claim with bank ( Navy Federal Credit Union ) thinking they were above XXXX and XXXX. 

They gave me a temporary credit to my account in XXXX and on XX/XX/XXXX, I received an email from Navy Fed the claim was not resolved in my favor because the merchant had provided tracking numbers. Therefore, I would have to pay the credit back. 

All they had to do was realize those tracking numbers were not even going to my zip code and the weight was way off. All three XXXX tracking numbers were going to my city, BUT DIFFERENT ZIP CODES. The XXXX representative said all three were XXXX packages, not XXXX. To top it off, I had purchased three gallons of epoxy, yet all three packages weighed no more than 2 pounds. 1 gallon weighs around 8 pounds. 

All these red flags, proof from XXXX it was fraud, XXXX XXXX representative on the line with Navy Fed that corroborated my story and still Navy Federal did not want to reopen my case and I am stuck here scammed.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (WA)

I had a loan with Dovenmuehle Mortgage Company XXXX XXXX of XXXX XXXX in XXXX and XXXX. 
On XX/XX/XXXX I called them asking for the 1098 's for this property for those two years. They said it would take a month. I waited a month with no reply. I called again and they said they would mail them out. Nothing. I called again. Nothing. I sent a certified letter to Mr. Dovenmuehle and recieved a form letter stating the Research department will make an effort within the time alloted by the law. I've told them this is for an IRS audit. They dont care. This company refuses to respond or give any kind of customer service other than lying that they have helped out.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I opened a bank account as a sole proprietor and after the account was opened I got an email from the branch manager demanding that I file for a new fictitious business name adding my suffix to the last name field on the state form. I explained that the state does now require the suffix and adding a suffix to the last name field is not a legal last name and is a crime ( Penal Code 115 California ). The branch manager insisted that I either falsify the records or they would close the bank account. Important to note is that before I even went into the branch, I explained the situation with the XXXX  filing and went through a process to be pre-approved for the account. I never would have even went to the branch if I hadn't already been approved for the account so something is clearly off with this institution. It is unlawful as a consumer to falsify a public record, the bank is telling me they have numerous examples in their database of other clients who put that suffix in the last name field, so we are talking about falsification on a potentially massive scale. I told the bank to just close the account and send me a cashier 's check but I want this investigated. I have the email thread with the discussion to provide as evidence of them telling me to falsify and also the email thread where I was already pre-approved to open the account before I went into the branch.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

After Before Close XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Joint with Responsibility XX/XX/XXXX Date Opened Reaffirmation of debt. {$17000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$25000.00} Original Balance {$0.00} Highest Balance 80 Months Terms {$13000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount