davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

While I was on vacation in Rio de Janeiro, Brazil on XXXX XXXX XXXX I noticed a fraudulent credit card transaction for $XXXX  was pending on my credit card account with Capital One (COF). I called COF as soon as I noticed the fraudulent transaction and reported it the same day while it was still pending. Today, XXXX XXXX XXXX I saw that the charge had been returned to my account and I called COF to investigate. They told me that I was responsible for the charge because according to their investigation I am responsible for the charge. The charge is from a vendor I have never heard of and for an amount that I never authorized and it is completely out the realm of possibility that this charge is for anything legitimate but Capital One has closed their investigation and will not help me.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (TX)

I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
Thank You, XXXX XXXX
Consumer complaint received 2022-07-07
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. (TX)

I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
Thank You, XXXX XXXX
Consumer complaint received 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

So XXXX XXXX and i am so XXXX, theyre giving us a hard time. So much effort, money and time. We are supposedly to be treated equally. We dont deserved these. 
On 1st week of XX/XX/XXXX, I requested and inquire about Loan Assumption since we have an FHA Loan, our mortgage is assumable per their office. They ( XXXXXXXX XXXX-Lakeview/XXXX ) sent the Loan Assumption Packet dated XX/XX/XXXX and was receive only on XX/XX/XXXX which need to be filled up, signed & w/ completed requirements, Within 30 days grace period and need to be submitted on or before XX/XX/XXXX. So i was rushing, emailed on XX/XX/XXXX and waited for more than month and has been denied due to XXXX missing legal document, which Deed of Transfer If i dont call them, we will never know what is missing, not updating us the status nor any progress of our application if i dont bothered calling them almost everyday, we are waiting for nothing. We have the right to be informed what is the progress or if we are incomplete even thru mail or email, Case Closed. 
So we asked them if they can open a new case. 2nd Case for Loan Assumption Packetmade on XX/XX/XXXX, received loan assumption packet only on XX/XX/XXXX thru mail. So, immediately emailed on XXXX again w/ registered from XXXX XXXX deed of transfer - transfer of ownership. We spent a lot of money, lawyer, docs & property tax. And we are definitely sure, we completed the application and again denied dated XX/XX/XXXX by calling them XX/XX/XXXX. Ive been asking them what is the reason, and no reason, they dont know., so inefficient, disorganized. This is my XXXX child sho love this home, we fought to win back this house from foreclosure. We got this home back to us again. Thru your help because we begging fir your assustance. 
We really really need your help. Please help us, whats is going on. 
Emailed again all dated XX/XX/XXXX.
Consumer complaint received 2023-07-01
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: CITIBANK, N.A. (HI)

XX/XX/2023 Date Amount Description XX/XX/2023 {$62.00} XXXX  XXXX XXXX gosq.com HI To Whom it may Concern : On XX/XX/2023 I placed a online order to a establishment called XXXX XXXX In XXXX XXXX Hawaii XXXX They claimed to be still open and operating. I went to the establishment at my pick up time at XXXX. However when I got there, the business was completely shutdown and cleared out. This business is closed down with no date of returning or re-opening. I did not get my items. The fact that they are claiming that they are open and still operating is ludicrous. I have send Citi my online pick up order that I was supposed to receive AND the sign on the door saying they are closed down. Multiple people online have also stated they are now closed for business and have also been scammed out of their money which I have sent in through the dispute documents to Citi. You can visit their yelp page to verify this statement at https : XXXX XXXX XXXX 

Please take the time to read through my statement and examine the photos I have provided. 

Thank you
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX other than personal Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

SLS MORTGAGE COMPANY TOOK IT UPON THEMSELVES TO PUT OUR MORTGAGE INTO FORBEARANCE, WITHOUT BEING ASKED, WITHOUT HAVING THE COURTESY TO REACH OUT TO THE HOMEOWNER! 

SLS MORTGAGE COMPANY COMMITED FRAUD WE DID NOT AUTHORIZE OR ASK FOR ANY HELP! THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR ILLEGAL ACTIONS! 

I WILL CONTACT ALL MEDIA OUTLETS AND REPORT THIS MATTER AND GO INTO DETAIL AND I WONT STOP UNTIL THIS BANK IS STOPPED AND MY HOME OF 50 FIFTY YEARS WILL REMAIN MINE!
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (NV)

I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I made a settlement agreement with XXXX XXXX. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. XXXX XXXX has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or XXXX even after uploading proof documents to experian
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has deceptively charged me {$27.00} each month since XX/XX/2019 for subscription services that I did not initiate. They refused to refund me when I called them several times to complain. Additionally, I have searched my mails and have found NO RECORD of them ever notifying me of any charges that were being made. 

I came across an article online that said over 100+ people have complained about the same issue : TransUnion deceptively opting them into ~ {$20.00} subscription services that they did not sign up for, and even when I cited this PUBLIC COMPLAINT, they refused to refund me for these wrongful charges. 

READ IT HERE : https : XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.
Consumer complaint received 2019-08-03
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)

I have several items on my credit report that are not mine. I noticed it because it recently applied for a credit card and wasn't approved so it prompt me to check my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was scammed into buying gift cards totaling {$12000.00}. But the credit card company says it is {$17000.00}. I have tried to get the conversations with the scammer but have had no luck in getting this information. If I had this information I would be able to prove I had only purchased 24 gift cards at {$500.00} which is {$12000.00}. Because those conversations have the gift card # 's on those conversations on them. If there have been more gift cards purchased the scammer used my card to purchase the additional {$5000.00} using my card numbers. These transactions occurred onXX/XX/XXXX& XX/XX/2019.This happened on my computer, I was informed by Microsoft that I had suspicious activity on my card and to call them. They said they would connect me to a direct line to my credit company, which was Capital One. When I was connected I looked on my phone and it was the number to Capital One customer service which is XXXX XXXX XXXX.
Consumer complaint received 2019-11-04
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 just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2024-04-06
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: CLGF Holdco 1, LLC (CA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inqu that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of the Fair Reporting Act Section 1681b ( c ) and a serious breach of my priva rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these acce bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that fraudulent inquiries be immediately deleted from the credit file the maintain under my Social Security number. 

Please note that you have 30 days to complete this investatief the Fair Credit Reporting Act section 611. 

My contact information is as follows : Your Name ( XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was called from a collection agency stating i owe fees from a rented apartment at another state. I told them i have never lived in any other state nor rented an apartment in another state. They said they have my social security number on file, therefore i asked if they have an identification on file to prove it was me which they said they do not. When i asked for the collection to be disputed because it was not mine and i did not rented an apartment and that it was a fraudulent account they denied to do so.
Consumer complaint received 2024-04-06
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: CLGF Holdco 1, LLC (PA)

Feb/Destiny have placed an hard inquiry on my credit report dated XX/XX/24, which I have not applied or given any written consent to this company, to do so.
Consumer complaint received 2019-06-25
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. (TX)

Equifax and XXXX are reporting duplicate collection items for {$150.00} on the XXXX XXXX XXXX IN partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

trying to get a new job and my credit is stopping me and the information that is not mines is on the report and address that need to be removed unknown medical bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX , XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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** : medical bills
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have been try to use my login credentials to check my pass statements from Sears credit card store with out success, my credit was use on a purchase with out my authorization back on XX/XX/2019, i been dealing with stolen identity since then and proving that purchases where made with out me been present on those transactions, such as BestBuy stores and XXXX XXXX.
Consumer complaint received 2023-01-13
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/14 Balance : {$26000.00}
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a car loan with XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

We initially requested an Income driven repayment plan in XX/XX/2023, we were immediately approved by the department of education. However the servicer told us that because the loans were in a 6 month grace period they could not be put on an income driven repayment plan ( SAVE ). We reapplied the exact date that the grace period ended XX/XX/2023 and it has not been approved. On XX/XX/2023 we called Nelnet the servicer and waited on hold for over XXXX hours to be told that they could not confirm when it would be applied.
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (FL)

I attempted to get my student loan in the forgiveness program with Premier Stundent Loan Center. I have  come to realize that my payments and service charges did not get applied to my FedLoan  account.