davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: CITIZENS FINANCIAL GROUP, INC. (NY)

see attachments! I was deemed not credit worthy when the company accessed my consumer report based of their own company policy also a credit transaction was started with my credit card and I received no benefit which both are against the law. please see attachments!
Consumer complaint received 2022-08-17
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: Santander Consumer USA Holdings Inc. (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Screening Reports Inc. (MN)

Rental Verifications XXXX XXXX Landlord Address Move In Rent Phone - Contact Move Out Owed XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} ( XXXX ) XXXX - XXXX XXXX, MN XXXX XX/XX/XXXX {$0.00} WOULD NOT RENT AGAIN - EVICT XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} ( XXXX ) XXXX - XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$4000.00} WOULD NOT RENT AGAIN - UNAUTHORIZED PET / NOISE COMPLAINT / POLICE CALL / UNAUTHORIZED TENANT / OTHER VIOLATION / EVICT Public Records ( XXXX ) XXXX XXXX These Were Expunged through Civil Court in XXXX XX/XX/XXXX it should not show an eviction nor balance for either rental property
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

DATE : XX/XX/2016 AMOUNT : {$180.00} ACTION TAKEN : I ASKED HOW IS IT POSSIBLE THAT THE BALANCE INCREASED AFTER THE ACCOUNT CLOSED? ASK FOR REMOVAL BECAUSE OF THIS VIOLATION.
Consumer complaint received 2019-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank XXXX XXXX credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I am receiving fraudulent emails DIRECTLY from XXXX. I have reported the two emails directly to XXXX and XXXX and have not received a response. I am highly concerned because they are emailing directly from the legitimate paypal email address.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, and XX/XX/2017 & XXXX & XX/XX/2017 - 30/60/90/120 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX   's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank of America credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (FL)

The loan was for XXXX payments of XXXX totaling XXXX and I have FULLY PAID that amount as you can see from the payments records. The issue is that Prosper overcharged me unlawfully extra fees and interest during the XXXX XXXX XXXX XXXX for the 7 months of Deferal Period that was offered to anyone and was supposed to be No Extra Interest or Fees but seems only Prosper did those charges! At the same time I had a loan with XXXX XXXX that I also took advantage of the Deferal Period but they didn't charge me a cent extra for the period...
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

My original mortgage for my co-op apartment was with Citibank. This Summer I wanted to take advantage of lower interest rates to refinance. I decided to keep the mortgage at Citi instead of pulling it altogether and go with another bank. What an incredible mistake it has turned out to be. 

The first loan officer that was assigned to me kept making mistakes, giving me 24 hour deadlines to submit new documents while I was working double shifts at the hospital, not uploading required documents I already filled out/sent to him, and generally refusing to answer any question I had. 

After I complained I was assigned a new advisor and was assured that the process would finally be taken care of. After submitting a new round of documents -- some whose status ' still haven't been updated on their portal even though they were received and required weeks ago -- I have now been asked for new documents that need to filled out and signed by my co-op board ... .10 days from the estimated closing date. 

This has been going on since XX/XX/2020. I could have closed twice over with another bank like XXXX. At this point it is clear that Citibank is refusing to provide a service I am perfectly entitled to and place hurdles every step of the way while purposefully wasting my time and money.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agent can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. 15 USCS 1681a ( 2 ) ( I ) creditor may not report transactions or experiences.
Consumer complaint received 2022-06-14
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. (AL)

I have submitted several complaints about information being incorrect, Have also presented XXXX, XXXX and Transunion. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collectibles Management Resources (CA)

I was recently denied an auto loan due to a debt collection from Collectibles Management Resources appearing on my credit bureaus. Apparently the debt was placed on my credit bureaus in XXXX and I never received any written correspondence. The collection company violated the FDCPA by not providing a validation notice, not providing me an explanation of the debt, and not allowing me to dispute the debt. I requested information, and Collectibles Management Resources sent the attached letter dated XX/XX/XXXX that does not follow FDCPA guidelines.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Approximately sometime in Summer XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX XXXX XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX XXXX XXXX XXXXXXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX XXXX XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX XXXX XXXX XXXXXXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX XXXX XXXX  XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX XXXX  XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX XXXX  XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX added a negativity to XXXX and Experian. I DO NOT OWE XXXX XXXX  XXXX XXXX any monies. 

I have sent XXXX Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX XXXX XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX XXXX XXXX  Collection from my Credit Report XXXX XXXX - I have sent several letters -- XXXX have Not removed the Incorrect Information XXXX XXXX XXXX XXXX . 

EXPERIAN : I have sent letters to Experian as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with XXXX and EXperian. Even though both Credit Agency has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. God Bless you and Please stay safe.
Consumer complaint received 2020-11-05
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. (AZ)

On XX/XX/2020, XXXX XXXX XXXX report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from TransUnion saying I have a delinquent showing in my fico score. I gave XXXX  a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but XXXX did not remove the delinquent from me fico score. I tried to call XXXX and TransUnion multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

{$370.00} is what XXXX XXXX says I owe them. But I have never had a actual phone bill, it has always been prepaid phones. I have XXXX currently. Someone opened up a account in my name and I think I might know who did it. I would like to resolve this asap. Thank you.
Consumer complaint received 2022-10-21
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. (OR)

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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I PUT DOWN {$500.00} WITH AMERISAVE TO LOCK IN AN INTEREST RATE WHICH WAS ALSO EXPLAINED WOULD GO TOWARDS CLOSING COST. AMERISAVE TOOK TO LONG TO PROCESS THE PAPERWORK ONCE THE HOME WAS COMPLTED WHICH REQUIRED ADDITIONAL FUNDS AT CLOSING. WE WERE SCHEDULED TO CLOSE ON XX/XX/21 AFTER BEING DELAYED 4 ADDITIO0NAL TIMES AND AMERISAVE WAS NOT READY. AMERISAVE DID NOT COMMUNICTE WITH THE CLOSING ATTORNEY TO ENSURE THE FINAL DEADLINE OF XX/XX/21 WOULD BE MET. THE CLOSING PAPERWORK DID NOT ARRIVE UNTIL XX/XX/21 PAST THE DUE DATE. I WAS TOLD THAT IF THE CLOSING DID NOT HAPPEN BY XX/XX/21 THEN ADDITIONAL FUNDS WOULD BE REQUIRED AGAIN AT CLOSING. THE CLOSING WAS DELYED BECAUSE AMERISAVE DID NOT HAVE THE PAPERWORK READY IN TIME NOW THE DEAL HAS FALLEN THROUGH BECAUSE I REFUSED TO PAY MORE MONEY FOR THIER MISTAKES. I HAVE ASKED FOR MY ORIGINAL {$500.00} TO BE RETURNED AND MY PHONE CALLS AND E-MAILS HAVE GONE UNANSWERED. I THOUGHT THIS ONLY FAIR SINCE THEY COST ME SEVERAL THOUSAND DOLLARS IN OTHER FUNDS DUE TO THIER DELAY IN THE FORM OF FUEL, LOGGING, RENTAL TRUCKS AND FURNITURE STORAGE. I WAS WILLING TO DROP IT IF MY {$500.00} WAS RETURNED. I MAY NOW HAVE TO SEEK LEGAL ACTION FOR ALL MONEY LOST. WHAT A HEADACHE.
Consumer complaint received 2021-10-20
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. (MI)

Transunion has intentionally or refuse to remove inaccurate information on credit report. It Clearly has No close date and only say No Info, therefore that is inaccurate information. Transunion need to remove immediately according to fcra violation that transunion has submitted on credit report.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP ()

So basically the problem is with the three payments that I made, but they are no longer visible at my bank statement account in U.S Bank. I have rented a car from XXXX at XXXX XXXX at XX/XX/18 and I paid there {$730.00} then at XX/XX/18 I paid another {$460.00} and then at the very end at XXXX XXXX XXXX where I returned a car I paid another {$57.00}, so in total it is {$1200.00} but two days later I have been charged once again with the total of {$1200.00} so my actual bank balance is nearly - {$1200.00}. Like I said right now those three payments are no longer appers, but I'm sure that those payments weren't pending, they were simply made. I contacted XXXX  and they assured me that from their side is everything OK, but I'm not sure ( I have all emails in case of need ). With U.S Bank I did not contact because right now I'm in XXXX and I can't contact them via email and I don't have my US phone number anymore.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IN)

To make a long sob story short, I borrowed from Paypal credit. The way the balance was presented to me in such a way that led me to believe this was money sitting in my Paypal account already that I had not transferred to my bank yet, like other money sharing services. The following are the amounts I unknowingly borrowed : XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$91.00} XXXX - {$50.00} XXXX - {$80.00} Now I have credit reporting, and reporting poorly, because I had credit that I didn't realize I took out, I'm sure an inquiry was made on my credit, and I didn't know these payments weren't getting paid because I didn't know I borrowed the money in the first place.
Consumer complaint received 2022-10-21
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. (GA)

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXX Account # : XXXX.
Consumer complaint received 2021-10-20
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: Premium Credit Bureau (IL)

I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

Opened a checking account with Citi in part, to obtain the bonus they advertised for people who deposited over XXXX and maintained at least that balance for 60 days. However, no bonus has ever been paid. 

Funded/Opened XX/XX/21
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.