davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (TX)

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX XXXX XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) : This account is inaccurately associated with me, with a reported balance of {$1600.00} as of XX/XX/year>. It also states late payments. So how is it a closed account and have late payments and why is it on my report? The inclusion of this account on my report is a mistake, particularly given the confusion regarding the associated addresses and the lack of even confirming they are even a real address. And furtherer more XXXX account has already been closed. I ask why would you leave it on just to further damage my reputation, my finances and overall ability to be successful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX* : XXXX accounts ( Acct # XXXX XXXX & XXXX ) related to XXXX XXXX XXXX XXXX XXXX erroneously reported as collections, with balances of {$910.00} and {$1100.00} respectively as of XX/XX/year>. These accounts are not mine, and the address discrepancies further underscore the errors in reporting. 

The repercussions of these inaccuracies are profound. They have barred me from accessing essential financial resources, including business loans and personal loans to cover hospital bills, during a time when my partner, suffering from XXXX XXXX ( XXXX XXXX and recuperating from a XXXX XXXX accident, needed it most. The emotional and financial strain this has placed on us is immeasurable. 

XXXX XXXX XXXX this account is erroneously reported as collections, with balances of {$2300.00}. These accounts are not mine, and the address discrepancies further underscore the errors in reporting. This is completely unacceptable. How it was allowed is beyond incomprehensible. I myself have tried to correct these errors but keep getting nowhere. If you put the address into the USPS address verification system you would have seen that. 

I will be adding the XXXX and XXXX stuff. XXXX of the just added an already disputed account that was XXXX XXXXXXXX XXXX. now that they have been disputed the collection agency 's have changed there name an reattached with another collection agency. Which I find scary as XXXX. They have the wrong name so the they get the right one and go back and just go to a different agency.
Consumer complaint received 2022-10-13
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. (NC)

My name 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (VA)

I've contact Barclays Bank Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted Barclays and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact Barclay. 

I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called Barclay again. They still have not updated the balance on my credit report. 

The amount settled was XXXX. Barclays settled for a lesser amount and sent me a 1099 for XXXX. 

When I spoke with Barclays, they were aware the account was paid.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022 there were 5 unauthorized transactions made on my debit card totaling almost {$3000.00}. The bank denied my fraud claim because they said that I logged onto My app after the transaction posted and did not file the claim until 2 days later. I couldnt file the claim until 2 days later because the transaction did not post and they will not dispute non-posted transactions. I did call the bank the day the fraud occurred on XX/XX/XXXX and they confirmed I need to wait until the transactions post for me to file a claim. The denial for this claim is completely unfounded and now Im out almost {$3000.00} because my bank denied the claim. These are clearly fraudulent claims as 3 of them are from XXXX and 2 are from XXXX with what seems like made up companies. Im located in the US and they can verify my location by looking at where I was when I open my app every day
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello, I have put several request to dispute XXXX XXXX  XXXX from my credit Report and Transunion comes back that the information is verified. I have asked numerous times XXXX XXXX  XXXX to verify their account and they have failed. I have no idea who they are. I have never paid them directly. I want this delete it from my credit report as soon as possible. They are fraud. If they send you the verifying information please send it to me otherwise please delete.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IN)

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the XXXX XXXX, my credit is bad, i have XXXX judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. Santander doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with Santander and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for Santander that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

Santander does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want Santander to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX XXXX Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this Santander tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement.

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 someone stole my card from me and racked up {$190.00} in charges I called chase to report and said that everything was going to be taken care of. XXXX passed and I see that they reversed the credit back and stated because I used my card on the XXXX of XX/XX/2022 that it wasnt consistent with the fraudulent activity. I stated that the fraudulent activity started on the XXXX no the XXXX but they said they wouldnt check again and Im out of luck.
Consumer complaint received 2019-09-30
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. (NC)

XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My cares act forebearance ended XX/XX/XXXX, I filed XXXX mortgage assistance program XX/XX/XXXX as told to do so 30 days prior to forbearance ending, I've been submitting all the documents needed my award letter for the VA and SOCIAL SECURITY XXXX, MY WIFE 'S PAY STUBS AND BOTH OUR BANKS STATEMENTS SINCE XX/XX/XXXX, LAKEVIEW LOAN SERVICING, KEPT SAYING THAT THEY WERE NOT RECEIVING THE EMAIL, EACH REPRESENTATIVE THAT I TALKED TO KEPT GIVING ME DIFFERENT EMAIL ADRESS, FINALLY I SENT THE DOCUMENTS BY XXXX, NEXT DAY DELIVERY, CERTIFIED XX/XX/XXXX, AND THEY STILL SAID THEY HAD NOT RECEIVED THE DOCUMENT THEY WERE SIGNED FOR XX/XX/XXXX XXXXI HAD TO RESEND THE BANK STATEMENTS AND PAYSTUBS AGAIN FOR XXXX AND XX/XX/XXXX AND THEY STILL DELAYING, I BELIEVE THAT THEY ARE USING STALLING TACTICS,
Consumer complaint received 2017-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed.
This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.
Consumer complaint received 2022-10-27
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)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-16
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)

1. XXXX XXXX - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance and all on time payments or remove immediately. Also provide method of verification 2. XXXX  XXXX XXXX XXXX - remove this error immediately - Experian neglected to report payment history so the payment of {$16.00} ( settled account ) is not reported, this payment was made in full and confirmed by XXXX XXXX XXXX yet Experian neglect and refuses to rectify this error. 
- Experian needs to remove this account immediately, due to falsely reporting an INCORRECT balance, the balance of this account is {$0.00}. ( balance paid in full ) - This account is also active but the account status is reported incorrectly.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

Citibank advertises this offer open online checking account. It is still on their website. 

OPEN NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 
FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.

The cash bonus will be deposited to your open, eligible checking account within 30 calendar days after you complete all required activities. 

1. I opened account on XX/XX/XXXX and deposited XXXX XXXX. I maintained balance for 21 days + 60 days which is XX/XX/XXXX XXXX. The cash bonus was to be deposited in my account on XX/XX/XXXX which is 30 days AFTER I satisfied all the conditions on XX/XX/XXXX. 

I learnt their INTERNAL documentation says 90 DAYS after satisfaction of conditions the bonus to be deposited. THIS IS MISLEADING ADVERTISING TO CONSUMERS. 

I have STILL not received it on XX/XX/XXXX after contacting and complaining to them several times. I've attached a chat log to this complaint as well. 

I am told I will get it by XX/XX/XXXX which is NOT what their OFFER says.
Consumer complaint received 2022-05-16
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.