davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

And unauthorized credit file report sent to capital one bank released by XXXX XXXX on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through capital one bank. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Equifax to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-17
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. (TN)

I have contacted XXXX XXXX, Equifax, and XXXX in reference to these fraudulent account ( s ) : XXXX XXXX XXXX in the amount : {$34000.00} open date : XX/XX/XXXX and XXXX XXXX XXXX in the amount : {$26000.00} open date : XX/XX/XXXX. I have been contact with all agencies and creditors listed. Was told to file a Identity Theft Report which I did and sent to the above listed agencies and creditors along with my request. Only to receive the same response over and over again.
Consumer complaint received 2019-08-06
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX A ) XXXX****
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2021, I called SunTrust ( Truist ) Bank to originate a transfer in the amount of {$480.00} to close my checking account. I was told a transfer could not be initiated, but a withdrawal could be originated by telephone, and that I could expect to receive an official check within 10 business days. When the check did not arrive, I called the bank to open a Regulation E error resolution claim for a telephone-initiated transaction. 

When I called, I was first told I had to visit a branch to open a Regulation E claim. Then I was told that I had to complete a form and have it notarized to open a Regulation E claim. When I stated that Regulation E did not permit requiring notarized claims or in-person visits, the telephone representative transferred me to the fraud department. 

The fraud department stated they would open a Regulation E error resolution claim. 

Yesterday ( XX/XX/2021 ), I received a letter from the bank stating a notarized form and a visit to a branch were required to process me Regulation E claim.
Consumer complaint received 2018-07-07
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: Experian Information Solutions Inc. (FL)

I submitted a dispute via mail to let Experian know the following accounts are not mine. Instead of disputing the accounts, they chose to dispute the inquiries listed on my credit report which I did not submit a dispute for. This is a clear tactic to try to keep erroneous information on one 's credit report just to buy their products. When i called Experian they refused to explain why the accounts were not disputed. They are fraudulent accounts that do not belong to me : 1. XXXX  XXXX # XXXX 2. XXXXXXXX XXXX XXXX # XXXX 3. XXXX XXXXXXXX XXXX # XXXX 4. XXXX XXXXXXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX # XXXX
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I noticed an email from Wells Fargo stating that I should the see the conclusion of Claim # XXXX on my account ( a claim that I did not file. 

After doing some research I also found that a transaction for $ 1000+ ( that the claim was in regard to ) was also done by someone else. 

I called in to tell Wells Fargo that I did not make the purchase nor did I file the claim, and they are not helping. 

This account was previously closed after someone stole my debit cards, check book, and identity. Wells Fargo seems reluctant to refund me the money, or to assist me with this issue.
Consumer complaint received 2021-08-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brother Loan & Finance Co. (IN)

I received a letter in the mail from brother loan and finance company stating that I owed money on a debt and that if I didnt make a payment a payment arrangement within in the next 5 days from the letter dated XX/XX/XXXX that they would forward the account to their collection attorney. I called brother loan and finance when I received the letter asking for information on debt due to having no recollection of the loan. They asked for the last 4 of my social in order to pull up my account which at first I was hesitate due to recent scams. I gave it to them anyway and the representative said that the loan was from a long time ago. I asked if they could send me information on the loan and she said she would. I never received verification on the debt so I believed it to be a scam. Then 3 months later I receive a debt collection notice stating I am being sued for {$4300.00} With this letter from their attorney it stated I had a week to get back in contact with him to either make arrangements or set up payment arrangements. His letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. Then on XX/XX/XXXX I receive a summons stating that I am being sued for {$4600.00}. The attorney had already filed the suit on XX/XX/XXXX which is 5 days after he typed up a letter. I live in another state so I did not get this information as quickly as I might have living in the state of Illinois. States that the charge off amount was {$440.00} so how is it now {$4600.00}? I feel this is a scam and the amount they are requesting is obscured.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: S&N Debt Solutions, LLC (TX)

I signed up with this company to help resolve debt load and pay it off. They collected my money for months and did nothing. It has ruined my credit. Then they finally admitted they only negotiate settlements when they get enough in thier accounts to pay off a debt. It doesn't work like XXXX where they will make payments and help settlement on the accounts.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Special Financing Company, LLC (OK)

I was guaranteed a loan at a fixed interest rate that if I paid it off in 1 year, then I would be refunded the interest paid on the loan. 

The loan was taken out on XXXX of XXXX. I made payment until XX/XX/XXXX. I called the company and ask they take I pay in full the remaining amount. Which was less than {$800.00}. I wanted to pay in full because 1. I wanted to refund the interest. 2. I am on XXXX in XXXX. 

I was unaware that they stopped payments AND started sending late notices. They can only be contacted via phone and have not been responding to my voicemails. Every time I call, it's always busy. 

I am worried that not only did I try to pay off my loan, that they are malicious saying that I stopped paying, which would affect my credit and let them not be able to pay me back the interest that I am owed.
Consumer complaint received 2016-01-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

On XX/XX/2021 I sent XXXX coin from my trust wallet to my Binance.US account. I did not include my memo when transferring my XXXX, I sent XXXX XXXX to my binance.US account. I filed a support ticket with binance.us to recover my funds and i was told it would be recovered.I have received 2 emails saying binance is working on it. Its been over a month and no sign of my funds. I know it takes a awhile but I have seen a lot of people waiting on funds for a long time.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019, i purchased 5 tickets to an XXXX XXXX Soccer game on XX/XX/2019 for {$87.00}. Once the purchase was completed, the tickets received electronically were different than the seats that i purchased. I contacted XXXX and they refused to correct their mistake without additional fees. I disputed the charge with the credit card company and XXXX immediately voided the tickets and cancelled the order, about a week before the event, without issuing a refund. Synchrony bank says i must return the tickets i do not possess. I have explained this to them twice as well as sent them the required documentation and proof which they seem to conveniently " lose ''. They refuse to let me speak to someone who can handle the problem.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (NV)

This is my multiple attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged theft. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NY)

I am exercising my right to validate an alleged debt with Credit Control , LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/2021, I mailed via USPS certified letter to Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. In the letters, I'm REQUESTING they ( Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debt.
Consumer complaint received 2021-04-16
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 sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I received today 's date information that my prior complaint had been resolved. Chase Bank stated that I still owed {$46.00} for a purchase using their credit card. The Chase Worker Executive Office assigned the original complaint told me to contact Chase 's Customer Protection Group at XXXX every day from XXXX XXXX to XXXX XXXX. XXXX XXXX. I attempted to contact them without success today 's date. I have never received a statement or late payment due from Chase Credit Card Service. I have told the worker from the Executive Office that information. I attempted to get that information today 's date from the number the worker provided. I left a message with the Executive Office worker two weeks ago and today 's date. The worker has not contacted me about getting a specific statement on the billing listed. I would like to resolve this dispute, but I am not privy to Chase 's Information on my own account. I did not receive any information on this bill.

I would gladly pay ASAP the original bill if I can confirm that I made the disputed transaction. I however do not feel any additional charges should be paid by me for a bill that became overdue with no notification to the card holder.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc. (NY)

The Simons Agency in XXXX XXXX called my phone in XXXX of last year and threatened to fight me after I told him don't call my phone again. Then around XXXX of this year the simons agency called me again and never even asked for my name. She stated I owed her a debt and the amount and who it was owed to without even getting confirmation of who she was speaking too. After i explained what she just did and that I would be making a complaint she then explained do what you have to cause we are suing you in court for everything you owe and getting your case together now. She still did not ask who I was yet. To this day they continue to threaten and harass me and my friends and family.
Consumer complaint received 2021-08-25
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. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus I called last month and talked to XXXX  and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after i sent in my police report and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department they keep reporting a fraudulent account from XXXX XXXX Account Number XXXX and XXXX XXXX XXXX account number XXXX this is completely fraudulent and they are knowing and willing causing me damages, embarrassment and emotional distress
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MN)

I've called many times regarding the remaining student loan balance on Mohela 's website. I want to know what colleges those loans were paid to. If some or all of that is for XXXX, why hasn't it been forgiven per President XXXXXXXX XXXX request and per the Sweet vs. Cardone lawsuit. 
Some of the loans were forgiven but I never received an email or letter from Mohela. Other people have that have Mohela as their servicer. Last time I called Mohela I waited for hours. When are they going to hire more people and train them to answer these questions?
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (MN)

My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until now.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was called from a representative stating they were from XXXX and there was a potential fraudulent transaction on my XXXX XXXX  account for a XXXX XXXX since I did not make that transaction, i pressed the number and transferred me to a " supposed '' XXXX security employee who had me download a remote access app XXXX  so he could help secure my XXXX from financial fraud on my Bof A account, he then accessed my phone remotely and said that he would make XXXX transfers in the amount of {$990.00} dollars, {$990.00} dollars, {$1400.00} dollars, and {$1400.00} dollars. The transfer was to the attachment XXXX XXXX YOU, and the XXXX rep said that it would get reversed and then my phone and Bof A account would be completely protected from any future fraud. he basically convinced me that my phone had been compromised and that i needed to protect it and my B of A account and the way to do that was use this app and he made transfers from my B of A checking account via XXXX into this anonymous account and he promised that it would be reversed right away and then I would be protected, but then I had been getting bad vibes from this, and finally hung up and called my B of A bank and asked what they were seeing, and I was expecting them to say that the charges were reversed by XXXX, but they said no these charges are real. The XXXX agent had authorized everything on my phone remotely and I personally did NOT authorize any of these transactions but i was allowing him access to my phone remotely b/c i thought he was from XXXX. So B of A  was able to catch the fourth XXXX transfer in time of XXXX dollars and that was immediately refunded and erased. the other three payments of XXXX dollars x 2 and XXXX dollars x 1 went through and they said to open a fraud claim officially with B of A and I did. REcently B of A contacted me and said that they do NOT think they can refund me b/c i authorized and did these transactions on my phone, but in actuality it was NOT me, it was the XXXX person accessing and doing it all remotely on my phone, HE was doing this fraudulently typing in all of the info, NOT ME, he had access and did all this, thus i strongly feel that i should be covered by B of A and refunded from this fraudulent claim into my account. Please help. B of A has not been helpful.