davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CBC Companies, Inc. (IL)

Told us this was about fixing debt and said they would do a soft reporting that is actually a hard inquiry and it was mis leading stating that it would be to look at credit now we have a million people calling us because they have sold our information.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (IL)

I applied for the Illinois Hardest Hit Fund program and my file was sent to my mortgage lender, MB FINANCIAL on XX/XX/2018. 

My Hardest Hit Fund application will not be reviewed until they receive a response from MB FINANCIAL. The Hardest Hit Fund program has informed me they have repeatedly sent requests to MB FINANCIAL and they are failing to respond to their request, which thus makes me unable to go further in the process.

It will be 3 MONTHS now without a response from MB FINANCIAL. This is unacceptable and I want them to reply so I can receive assistance from the Illinois Hardest Hit FUnd.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (NC)

I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from. 

XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.
Consumer complaint received 2018-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

The bank knowingly accepted this mutual party and check deposit into this joint or account fully aware that she could not legally withdraw the funds due to a prior private contract with the primary holder who had placed a block on all withdrawals from this joint account. The check included her name, however she was not aware that she had no permission to access the funds in this joint account due to the private prior agreement policy with the Bank and the primary account holder of this joint account. After her complaint, the bank did an internal only investigation, and did discovered that she is indeed the sole owner of the property insured due to an inheritance, and thus by law her husband, the policy holder, has no legal right to ownership of this property insured. Thus, due to the insurance companys negligence by not checking the legal status of the property, the claim was paid to both the sole owner and the policy holder, even after they were aware that the policy holder had indeed committed a fraud by claiming that he was the sole owner of the property, on the original insurance policy. The insurance company ignored my husbands claim to be the sole owner which was indeed a fraud committed on the original policy. However after they significantly altered the policy to include me, fortunately they did pay the claim. XXXX XXXX is now, seeking resolution for the banks part in covering up this case of known identity fraud and the theft of the insurance claim funds that were deposited on XX/XX/2021, into their joint account, ( via a mutual party and check ), in the amount of XXXX. 
She is requesting the bank refund the amount stolen and/or the amount of XXXX as due compensation for theft, and property damage, and the extra for harassment with her credit that she suffered due to their neglect of due diligence and proper protocols for security, which caused them to prematurely remove her from this joint account, using a fraud identity signature submitted by her husband.
Consumer complaint received 2022-02-17
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. (TX)

Experian does not follow FCRA LAWS. They do not provide reasonable investigations. 
They are recorded saying that they dont conduct investigations. 
My complain is SPECIFIC. 
Experian needs to review everything I submit and provide an investigation and make a decision
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, I alerted USAA of 2 fraudulent charges on my debit card of {$710.00} each ( a total of {$1400.00} ). The rep I spoke with that day assured me repeatedly on a recorded line that USAA would give me a provisional credit in that amount by XX/XX/XXXX. That didnt happen, and I was later told by other reps that that isnt their policy. But the expectation was set. First giant problem. On XX/XX/XXXX I called because a ) I hadnt received the provisional credit, and b ) as a result of the huge fraudulent pending transaction on my account, several payments that had been initiated before the fraudulent activity occurred bounced which resulted in USAA charging me {$140.00} in fees that several reps assured me would be returned to me when the fraud investigation was completed. Regardless, USAA is obligated to return those fees as part of their zero liability fraud policy for debit cards. On XX/XX/XXXX, I finally received an email that the investigation was complete ( because the pending fraudulent charges eventually fell off my account ), so I called for the umpteenth time to find out when I was getting my {$140.00} back. Several more hours were wasted, and I couldnt get a straight answer from anyone in any department. Finally I was told on XX/XX/XXXX that the request was escalated and someone would call me by XX/XX/XXXX ( TODAY ) and that the {$140.00} would be returned on this date as well. It is now XX/XX/XXXX, and I have heard from NO ONE and dont have my {$140.00} back that USAA wrongfully charged me.
Consumer complaint received 2018-10-26
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. (MS)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX and Equifax Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX and Equifax Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Consumer complaint received 2017-06-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I had a customer that had me perform service work on his personal ski boat but after completion he could not pay his bill so I held onto his boat until he could come up with the needed funds. He wanted to sell his boat because he needed the money for personal reasons, he said he had it sold and wanted me to release it to him saying that he would pay me after the sale, I know this guy could not be trusted. On the XX/XX/XXXX he brought me a cashiers check in the amount owed ( {$3200.00} ) I then  released the boat to him, he sold it that day Friday XX/XX/XXXX. I cashed the cashiers check on Tuesday XX/XX/XXXX at my personal bank, the bank put a hold on my account until the check was to clear, two days later I find out the the check had a stop payment put on it that past Monday morning. At that time the total funds were removed from my personal checking account. I have read that it is impossible to stop payment on a cashiers check but according to Chase Bank it is a common thing and a cashiers check is no better than a personal check. My trust in the cashiers check funds is the only reason I released the boat, now I 'm out the money and my only recourse is to take him to court but even with a judgement in my favor I will be lucky to collect the funds plus the lost time and money to do so. I think Chase Bank should be held responsible for my loss.
Consumer complaint received 2017-06-25
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. (FL)

XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,  FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my XXXX  EXPERIAN credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,
Consumer complaint received 2023-03-20
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. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I Applied for a frontier airlines world master card with a promotional offer of XXXX miles awarded after spending {$1000.00} within the first 90 days. I have met this requirement and contacted Barclays and Frontier several times to get these miles awarded to no avail. This is deceptive practice to get people to sign up for the Barclays/Frontier World Master Card.
Consumer complaint received 2019-03-28
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 contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX BANK XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} 3. XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2018-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Sierra Holdings LLC (PA)

I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.
Consumer complaint received 2019-05-09
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. (CT)

Experian is allowing XXXX XXXX to post to my credit report new charge offs each month. Experian will not open a new dispute. XXXX XXXX charged off an account XX/XX/XXXX they have now reported the same account number newly charged off XX/XX/XXXX, XX/XX/XXXX. Experian needs to take the charge offs off my credit report as they did not have a full investigation.
Consumer complaint received 2019-03-28
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (GA)

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. 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 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (SC)

Hello, I have a mortgage with LoanDepot - NMLS # XXXX and for four and a half months they have been promising to pay my XXXX County, South Carolina property taxes but it keeps being delayed. When I ask for email confirmation from the multiple customer services rep 's they claim that they are not allowed to send email confirmations but assure me that they tax payment is being processed and will be paid the on or before the due date ( for four and a half months straight this was their answer ). My county is now sending letters threatening to post non payment of taxes signs starting XX/XX/2019 and that my property will go into public auction XX/XX/2019. The mortgage company is not giving me an assurance that the payment will be delivered by XX/XX/XXXX and this has forced me to pay the property taxes out of pocket. 

I originally called in XX/XX/XXXX and the company confirmed that my property tax bill was received and will be paid on or before the due date. I received my first letter from the country in XX/XX/XXXX claiming the taxes were never paid, at this point I called my mortgage company and they said the bill was never received and to send it to XXXX and it will be paid quickly. I sent the tax bill to the email referenced above on XX/XX/2019 and received confirmation that the bill was received on XX/XX/2019. On XX/XX/2019 I received a certified letter from my county claiming the taxes were still not paid. At this point I called my mortgage company several times and talked to XXXX, XXXX, XXXX, and XXXX who are all customer service reps of Loan Depot. They assured me the bill was received and will be paid by XX/XX/2019 at XXXX PST. I called back at XXXX PST and was told that there was never a note on my account to have this paid by XXXX. At this point I asked for a supervisor and was directed to XXXX who holds the title of customer care supervisor. He refused to give me his employee ID and refused to give me the contact information of his supervisor. He again assured me the property tax bill would be paid by XX/XX/XXXX to which I explained this is unacceptable because the county will be taking action on XX/XX/XXXX. I believe this company is either doing some fraudulent or is too incompetent to complete the job required of a standard mortgage company. The fact that the supervisor refused to give me his employee ID or send an email confirming that the bill will be paid on date he claims shows that there is something not right going on. I have exhausted all options and will be talking with a lawyer to see what my options are going forward. 

Thank you
Consumer complaint received 2019-03-28
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

Target store sent me an email XX/XX/23. 
They thanked me for applying for a credit card. 

I never applied for it. 
XXXX. 
XXXX I emailed them. 
I wrote 1. I never applied for the card.

2. I am not responsible for any charges.

3.Cancel this card 4. This is Identity Fraud.