davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on TransUnion alone! XXXX to today. 

XXXX. XXXX Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with XXXX about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( XXXX XXXX reported ) XXXX XXXX did do the right thing and tried to help BUT! I'm back @ XXXX with them. 

3. TransUnion Dispute Submitted TransUnion also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX H XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (CO)

Received letter saying that I owed for a debt from a credit card that was over 8+ years old. This debt is no longer able to be reported to credit bureaus, it is out of statute and industry standards. It is also out of Colorado legal statute, therefore can not legally be collected. This debt is too old, and a closed matter. Trying to collect on it is an illegal attempt to bully, and negatively affect my credit.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (OR)

In XXXX of 2021 per First Tech instruction I sent a letter to this address reporting an update to my address. This address was provided by my local branch. 
First Tech Credit Card Payments XXXX XXXX XXXX XXXX, OR XXXX My Address was not updated correctly and at this point due to a First Tech error I stopped receiving my statements from them. I pay my bills based on the statements I receive and since due to this error I never received a statement indicating anything was owed to First Tech. 

Upon seeing that I had a " past due '' I went to my local branch off of XXXX XXXX and spoke to XXXX XXXX. XXXX informed me that the address was not changed properly and that he was able to see the updated address when I called in XXXX after I saw my credit report effected. He apologized on behalf of First Tech for their error and let me know that he would speak to the proper department to get my credit report corrected since this wasn't my error and in fact a First Tech error. 

I heard back from XXXX about a week later and he was happy to inform me that my credit report would be corrected within 30 days and that he had credited all late fees due to the bank error. 

Upon recent review of my credit report the late payment for XXXX is still showing and had not been properly corrected. I was promised multiple times by First Tech and XXXX that this would be corrected. I have now waited patiently for months and this still has not been removed.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (TN)

I was approved for a XXXX XXXX Credit Card through XXXX in or about XX/XX/XXXX. This account was reported on all 3 Credit Agencys including equifax. As of XXXX, XX/XX/XXXX, i pulled all 3 reports from XXXX, Equifax and XXXX. I noticed the XXXX XXXX XXXX credit card is no loner on my file with equifax even though i have previous reports showing XXXX XXXX was reported to equifax monthly. 

Last XXXX of the Credit Card is XXXX This Account with XXXX XXXX XXXX needs to be fixed immediately and added back onto my equifax credit profile as it should have never been wrongly removed. 

Im attaching an XX/XX/XXXX Equifax report that shows XXXX XXXX XXXX in the report, and todays Report XX/XX/XXXX where XXXX XXXX XXXX bank is no longer showing. 

This is an active account and should of never been removed. 

I reserve all rights under the fair credit reporting act.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capitol One card was stolen and an unknown person used it. I reported the charges to Capitol One and they sent me a new card. They credited the interest charges only and have not credited the transactions. This is harming my credit. I was a victim. The charges caused my credit to suffer and now I am waiting to apply for employment but can not because of my credit score being low when it was not before the fraud. By their own policy I am not responsible. Why aren't they crediting my card to reflect the true balance.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (VA)

In 2015, I bought a 2015 XXXX financed by XXXX that was taken over by WESTLAKE FINANCIAL later on.

Unfortunately, services provided by WESTLAKE FINANCIAL are not performed well, it is somewhat predatory for lacking effectiveness and honesty in customer service; henceforth, it is inadequate because I am trying to pay off my loan and can not have anyone to go over real details with me.

All calls placed have been answered by overseas third-party companies that offer a somehow robotic treatment and can not direct my real concerns because they are not culturally prepared to serve customers in the USA, and do not know how to handle issues that are off their manuals. Today, I have spoken to 11 different people from varied departments, and no one knew what to do.

Therefore, I am disappointed because I called WESTLAKE a month ago when a representative told me I did not have insurance in 2015 and had to provide them with a letter from XXXX to prove coverage always existed. The representative also told me that once I had provided them with proper documentation and proof of insurance, I would have U {XXXX} waived from the total loan amount owed. As I was instructed by the WESTLAKE representative, I sent an email to XXXX with the XXXX policy information attached to confirm the insurance proof would act as a waiver towards the predatory total owed to WESTLAKE.

Note that, not only I could not still pay off the loan with the waived fee granted by WESTLAKE, but my total amount has been increasing by the day. This type of business leads people to mental health problems, debt, low quality of life and poverty, not to mention this kind of business procedures do NOT make XXXX great at all. This is a predatory business, with underqualified customer service outside the XXXX who do not disclose information clearly and mislead customers.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IA)

In the process of refinancing my mortgage, I realized that I am still being charged for private mortgage insurance. My mortgage reached 78 % LTV in XX/XX/XXXX and should have been subject to the automatic termination clause of the Homeowners Protection Act at that time. Unfortunately, that did not happen and over two years later, I am still being charged {$10.00} per month for PMI. 

I have attempted to resolve this with SLS, but despite numerous phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am no closer to a resolution. They are refusing to remove the PMI without a valuation and will not acknowledge the 26 months of PMI payments I have made after it should have ended. My calculations show that they currently owe me {$280.00}.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northwood Asset Management Group (CA)

On XX/XX/2022, I spoke to a XXXX from Northwood Asset Management Group regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to XXXX XXXX. I authorized her to take a ONE-TIME payment of {$1000.00} and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from XXXX XXXX. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX  spreadsheet showing payment to them ( NAM Group ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of {$440.00} from my checking account. I have already reported this to my bank as fraud.
Consumer complaint received 2015-05-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: EAST WEST BANK (CA)

This complaint is filed against EAST WEST BANK, headquarter located in XXXX, CA. I have a business account with this bank, our funds in this bank got stolen several times by ACH online unauthorized withdraws starting last year. The bank refunded me last year for the money stolen from them online system for over {$8000.00}. I changed the account number with East West bank recommended by the bank stuffs aftervise. However the illegal unauthorized ACH online withdrawn happened again on XXXX XXXX, 2015 for {$16000.00} with this new account. The bank now refused to refund me for over XXXX weeks now. I contacted the bank for a lot of times by phone calls and emails. But they said due to this is business account, we are not protected by consumer 's right of 10 days refund rule. They ever recommended to contact the criminal to solve the problem. I never knew this so called merchant and never authorized any payment to this company. But I still called the number provided by bank. First time they provided the number went to someone 's voice mail with the voice mail was full. Then they gave me another number went through a guy was the previous employee of this company. Say no more, the company 's business is phony and maybe online criminals. I think my bank account shall be XXXX liabilities for the funds was stolen from online ACH, without anyone authorization. We never knew this company and never had done anything with the so call merchant. 

Clearly, the bank is still refused to refund our money back even I reported them the contacts i made with this company. I reported to the local policy station by no choice. 

Please help us, the funds are very important for we are small business. We wo n't survive if the bank still not refunding me. 

Thanks
Consumer complaint received 2022-03-17
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. (TX)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.
Consumer complaint received 2022-03-17
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. (MO)

DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ACCESS GROUP INC. (OH)

My private student loan is serviced by Access Group. 
Me and my wife declared bankruptcy due to medical debt. 
During the bankruptcy I was told the student loans did not need to be repaid until after the bankruptcy was final. This was true for my Federal loans, but not true for this private loan. 
I had made arrangements with the debt collections agency XXXX XXXX to pay {$200.00} per month to settle the debt. The last payment I sent to XXXX XXXX was on XX/XX/2019 for {$200.00}. XXXX XXXX said they would no longer accept my payments and I then had to pay Access Group Directly. I paid Access Group {$200.00} on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
On XX/XX/2019 I began receiving harassing phone calls from another collection agency XXXX XXXX XXXX. They said that my account was in collections and that I needed to pay the full amount, less than {$2100.00}. I told them that I had been repaying {$200.00} a month to another collection agency and then to Access Group directly. They did not have this information and could not confirm that I had ever paid on the loan. 
I called Access group where they were very rude almost unable to answer simple questions about my account like how much I owed and what the last payment was. They confirmed that the account was sent out to a collection agency due to an internal financial decision that was made. The representative I talked to was not able to share with me more than 1 previous payment history without a written request. The representative also said that my current balance due is over {$2400.00}. 
I have not received any mail or documents to notify me that my account is being serviced by a debt collector or that Access group will no longer accept my payments directly.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and I don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my Experian credit report. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Consumer complaint received 2022-03-17
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. (MO)

DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am formally notifying you that if corrective actions are not taken within XXXX days, I will file a complaint with the Federal Trade Commission ( FTC ) regarding your company 's non-compliance with federal law. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. You are obligated to respond within XXXX days, and failure to do so may result in fines of up to {$1000.00}. Please provide the investigation procedures for the following accounts within XXXX days to avoid further escalation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (LA)

XX/XX/2022 XXXX  Acccount XXXX Your company is in clear violation of the law. Under 15 USC 168b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) and consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions -- Except as provided in paragraph 3, the term consumer credit report include -- ( A ) Subject to section 1681s-3 of this title any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681 ( 2 ) ( a ) ( i )
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I have recently in the month of XX/XX/2021 on the XXXX day at XXXX PM received a call from from Wells Fargo stating that there had been misappropriation of funds and that I needed to stop those funds from going in order to do so I need you to put my name into my XXXX account To reverse the transaction they requested requested that I follow through with a 4 digit authentication code And I continued to send the {$3000.00} to who I thought was myself they followed up with another {$490.00} a second authentication code I checked my balance in my account while they were on the phone and realized I'd just been taken for all the money after a few choice words to the agent I was speaking to into I immediately called my bank and repetitively called my bank every day thereafter for 2 weeks weeks I've yet to get my money back and have been told via letters that I'm not going to get my money back I am currently working with XXXX XXXX news on your side here in the XXXX area and they are assisting me or at least trying to get my money I have made reports I filled out forms I've called my bank and I've yet to get my money back I inform as many people as I can on social Media do not take calls from what you may think is your bank always hang up and call your bank your bank will never call you and tell you that funds are being misappropriated I know this now it's a {$3500.00} lesson a class I did not want to take help me