davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
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: Advantage Credit, Inc. (CA)

I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!
Consumer complaint received 2023-04-04
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. (WA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 my bank account was compromised which included multiple account modifications like adding mobile banking, wire transfers, and attempted use at XXXX XXXX, and adding the Zelle service. Because the {$1500.00} Zelle transaction was last, I received a fraud call in regards to a plane tick

et/travel notice I had not made. Everything was resolved swiftly on my bank but I was not aware what Zelle was til this occurred. After probing it was added to my account and in use within a few minutes of me inquiring about it. While I was contacting my bank I saw multiple attempts at transactions so I hopped to Zelle 's support to stop the transfers or find a way to report it, which their support " Please contact your
bank or credit unions support team directly for help. '' I was lucky that my fraud prevention team cause this quickly, and stop the transaction before it was processed as otherwise, it would have been a bigger headache to dispute as the charges appeared to have me " initiating it ''. I'd like the report the lack of security on their behalf because I'm not sure how to close the account I never made, and have seen other customers reporting similar behavior except they were not reimbursed or had any resolution.

-Not filing a complaint with XXXX, but only have their notification of when it initiated Zelle service . ( I have not been able to resolve or determine anything from Zelle 's support after 2 days, may take more time )
Consumer complaint received 2023-07-27
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. (IL)

I submitted a complaint last XX/XX/XXXX  for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/XXXX  but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. 

The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. 


On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. 

On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (AZ)

JcPenny Credit Card company sent my debt to collection agency XXXX XXXX XXXX XXXX. representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$580.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

When I closed out my account at Wells Fargo Bank approximately 4 years ago, evidently I had a charge that came in after the closing for {$83.00} of which I had no idea of and had no notification of it as well. When I found out about this a couple of months ago it was because I was refused a bank account being opened for me at another bank and this showed up on my report from the bank for the reason I was denied. If you can believe it, the amount had grown to over {$800.00} with the interest that has been charged over this 4 year period and I refuse to pay the {$800.00} but I did offer to pay the {$83.00} to no avail when I called Wells Fargo to inquire! The actual person I spoke with told me the details and revealed, as stated above, that it was for {$83.00} originally but had grown to over {$800.00} because of all the interest added on by Wells Fargo!
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I received 2 letters from US Bank dated XX/XX/19 stating that effective XX/XX/2019 " In According with your Deposit Account Terms and Conditions, please be advised that we have elected to close your deposit accounts. '' No further explanation given. I had both business and personal accounts with the bank for several years, in addition to 2 credit cards. Accounts were in good standing and I have near-perfect, 800+ credit.

I went to the bank on XX/XX/19 ( That was the soonest business day I could make it to the bank I was out of the country on vacation with my family when the letter was mailed ) to collect funds as outlined in their letter and bank informed me the account had already been closed and they would MAIL my funds in 7-10 business days! I run a XXXX XXXX and having my funds confiscated in such a manner poses more than a slight inconvenience. When I tried calling the Account Closure Department after visiting the bank, they were closed. 

Furthermore, I have lost all access to online statements which I need for my records ( I don't even have a current balance ). In addition to the funds in my checking accounts ( business and personal ) I also have a pending item which will yield a credit balance of {$700.00} DUE TO ME on one of the credit cards. 

I am asking the CFPB help with the following : 1. Compel US Bank to provide a SUBSTANTIVE reason why my account ( s ) were terminated, as I strongly believe I did not violate any terms and conditions 2. Help insure my funds are returned IMMEDIATELY 3. I would like to restore access to my online statements and also be provided a closing statement ( paper copy ) 4. Make sure there is no derogatory remarks on my credit US Bank has not acted honorably, and in light of such, the decision to terminate our business relationship, I assure you is mutual, however I would really like to get my money back without further hassle or delay.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (LA)

The complaint I have with the Mortgage company is Ocwen. You see I applied for a Loan Modification. I was approved, it couldn't come at a worst time. I told them I needed a month to start paying back the loan. A month earlier I was in the hospital for a month you see I had a XXXX and couldn't go back to work for a month. I told them this several times, they told no problem. You can re-apply everything will work out.So I re-apply and I got DENIED. They turned me down flat and didn't even look at my current check stubs.I don't know what else to do I did what they said.I have paperwork to prove it.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (NC)

Fair resolution would be to have the derogatory inquiry removed from my credit file on the grounds of me trying to begin the homeowner process of purchasing and better understanding my credit from this life learned lesson. If the remark was removed it will assist me in this process of financial stabilizing my future as well as my families future.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (IN)

XXXX XXXX 2019 This is a reply to Key Banks letter sent on XXXX XXXX 2019 and second complaint as well as the answer to their letter dated. 
I opened my Promotional {$500.00} Checking account with KeyBank on XXXX XXXX 2019 as required by the attached documentation and expiration date of XXXX XXXX 2019 as stated on the document. 
When I heard other customers, who opened there account through the same online portal received the promotion code for a {$300.00} I Immediately got on the phone to make sure my promotional code was correct for the {$500.00} Code XXXX. 
At that time I was even less pleased to find out found out it was not for the {$500.00}, but also not for the {$300.00} but {$200.00} Promotional code and told them at the time I had clicked on the {$500.00} promo with the correct code of XXXX as well as the online document published at the time, they acknowledged the correct code for the {$500.00} promo was XXXX but could not change it in their system. 
I was given several numbers to call and correct this amount again from {$200.00} to {$500.00} and finally told to stop in the local branch and show them the promotion and they can simply change the code. 
When I stopped in the XXXX XXXX branch and talked with Ms. XXXX XXXX she would have to do some research because she could not change the code as well and returned my call and said I would have to come back in the branch and close my account and re-open with the correct code. When I arrived, I was told it was past the date for the {$500.00} promotion I would not be allowed that promotion even though I had a copy of their website of the {$500.00} promotion with the correct code, and again I opened my account again on XXXX XXXX 2019 as required. I do have the information and did have it on hand at the time when I went into the branch and its not from a second party the promo code is correct and so is the article and code when I showed Ms. XXXX. 
I disagreed with her, as it again was not my fault that I had to go through this all over again only to still not qualify for the correct promotional checking account the reason for the first complaint. 
On XXXX XXXX 2019 I received a letter from XXXX XXXX KeyCorp Executive Offices OH XXXX XXXX XXXX Ohio License number XXXX XXXX XXXX, XXXX, OH XXXX which kept referring to a {$300.00} promotional checking even when all along I had the correct code for the {$500.00} XXXX and offer letter online. The document attached as well as the promo code is Key Banks {$500.00} promotional code. 
Should you have any questions, please feel free to contact me at the email address on the first page. 
Sincerely XXXX XXXX
Consumer complaint received 2019-04-29
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. (VA)

I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.
Consumer complaint received 2019-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

In XXXX of XXXX Santander Bank froze my loans after I received two checks from fema. I then had to switch to a new bank and requested payoff statements from XXXX XXXX. She provided these with {$0.00} listed as the satisfaction fee. My new bank then paid off the amount using the new loans. Flash forward to XXXX, XX/XX/XXXX. I realize I never received a payoff statement during another round of fema. I tried to deal with this with Santander but they informed me I owed a satisfaction fee which they took out of my new bank account.
Consumer complaint received 2019-04-29
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)

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, TransUnion, and XXXX  multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Consumer complaint received 2019-04-29
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)

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, XXXX, and Equifax multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Consumer complaint received 2019-04-29
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: CORELOGIC INC (MI)

I have 5 hard inquiries on my credit report that were unauthorized from Credco! The dates are as follows XX/XX/XXXX/ 2 inquiries in XX/XX/XXXX one for miscellaneous/ one for finance/ personal. Another on XX/XX/XXXX and the last on XX/XX/XXXX both for miscellaneous! Then I have another hard inquiry from XXXX XXXX/ real estate and public accommodations! Another for XXXX XXXX and XXXX made on XX/XX/XXXX! Another from XXXX made on XX/XX/XXXX! Last one is XX/XX/XXXX for miscellaneous! These hard inquiries were not made by me and I did not authorize and they are having a negative impact on my credit score at a time when Im trying to improve my score! Please help to resolve and remove these from account! I know my identity has been stolen there have been numerous charges to my checking/debit and I have had to have approximately 4-5 cards replaced since XX/XX/XXXX!
Consumer complaint received 2023-04-04
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. (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 2019-04-29
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: Western-Shamrock Corporation (GA)

To : WESTERN SHAMROCK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX From : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Western Shamrock put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with Global Lending, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (SC)

In XXXX, 2013 I had XXXX XXXX. At the time I only had Medicare coverage. My portion was to be 20 % if the fee. The day before the XXXX the office manager called and told me I had to pay my portion, {$250.00}, or they wouldn't perform the XXXX. I had the XXXX, Medicare paid 80 %. I never received a billing statement from them. I have filed a dispute with the credit bureaus several times. No satisfactory response. They refuse to remove this from my file. I do not owe this office anything. They were paid by Medicare and me. I want an itemized statement from this office. I am living in Social Security and in a HUD subsidized apartment for senior citizens.
Consumer complaint received 2023-04-04
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATION/NELN # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.