davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC (MO)

XXXX XXXX from Empire Finance in XXXX Mo., trespassed on my property and threatened to report me to XXXX XXXX XXXXXXXX for unearned income on XXXX18, for an amount that I borrowed for {$460.00}. They have also harassed my XXXX year old mother regarding my debt. It was so humiliating due to my roommate who was sitting on the couch that I ended up in the E.R. due to a XXXX XXXX.
Consumer complaint received 2022-06-10
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)

XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

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 2019-03-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2017, Money orders was taken from my apartment drop box. On XX/XX/2017 I sent 3 money orders into Western Union to receive a refund for fraud. After several months I was returned with 2 of 3 money orders. I have contacted Western Union multiply times being taken in circles about my third money order. I've been hung up on, dismissed, and put on hold for a sufficient amount of time. Its been 2 years and the balance of the money order owed to my apartment complex is still owed, {$370.00}. As of now I was told by western union they closed my claim because 2 years has passed with no reason as to why I can not receive a refund.
Consumer complaint received 2020-12-12
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/2019 I received an email from Navient stating that my account was past due by {$750.00}. I called XX/XX/2019 and the Customer Service Agent informed me that when I paid a payment in the amount of {$150.00} on  XX/XX/2019 to have my private loans placed in a three month forbearance, the agent during that call did not read all of the proper terms of agreement to place my loans in forbearance. During my XX/XX/2019 phone call, the agent proceeded to read the correct terms of agreements for forbearance to me and stated they would use a XX/XX/2019 payment to cover my forbearance payment to placed until payments resume in XXXX. She asked if I was okay with these terms, I stated no because I had my bank statement to prove that I made a payment XX/XX/2019. She then stated there was not a payment for that date and they could not find it. I later called back to speak to another agent, that is when I was informed that my {$150.00} payment on XX/XX/2019 was applied for XX/XX/2019 without my permission. As this should of been applied to XXXX 's payment. I had previously paid a {$150.00} XX/XX/2019 to place my private loans in a three month forbearance that would of covered XXXX, there would have been no need to apply the XXXX payment to the XXXX payment.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On my XXXX, XXXX, and XXXX credit files, an old account from Capital Bank, NA is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and Capital Bank, NA. The 3 bureaus all claim that Capital Bank verified the accuracy of the information, yet Capital Bank has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to Capital Bank was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with " Out of Area ''  numbers. When I answer, the caller hangs up.
Consumer complaint received 2022-06-13
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2018-04-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing is a white collar crimes slimy operation with several legal troubles because the slimy operation and its shady lawyers are using forgery and fraud, manufactured documents, slander of title, malicious threats, violations, embezzlement, manufactured force place insurance policies, false principal balance, false payment history and other fraudulent fronts, and then uses its cozy relationship with slimy white collar crime operation XXXX and the XXXX XXXX XXXX as a weapon against me committing fraud in the county recorders office slandering my title threatening me with the illegal seizer of my home claiming to have person knowledge and have reviewed all the phony fraudulent manufactured documents using malicious threats threatening the loss of my home if I don't pay the pretender lender loan servicer hundreds of thousand of dollars in increased principal balance balloon payment loan modification releasing shady Ocwen from liability. For once, XXXX XXXX is correct we will address all of these fraudulent fronts with evidence before a grand jury, the California State Bar, the City of XXXX XXXX and the Police.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX - purchased son 's bed mattress from Ashley Furniture in XXXX, Indiana XXXX for a total of {$850.00}. I chose the promotional financing for six months with no interest from Synchrony Bank. I applied for the card and was immediately approved and a card was sent to my address. 
Somewhere between XX/XX/XXXX - XX/XX/XXXX - My mail was stolen from my mailbox. I filed a police report with XXXX Police Report and spoke with the XXXX and confirmed that there were reports of mail theft. After investigation, I determined that my new passport, XXXX registration, letter from nephew in military, and new Ashley furniture card were stolen. I even purchased a locked mail box to prevent any further mail theft. From XXXX, I can confirm the passport was stolen on XX/XX/XXXX. 
XX/XX/XXXX - I noticed unauthorized/fraudulent purchases on my account and reported this to Synchrony Bank and they removed the purchases and sent me a new card and were going to investigate the fraud. 
XX/XX/XXXX- received an email/letter denying my fraud claim because they believed the items were shipped to my home despite ever requesting any more information such as police report or giving me information on these fraudulent purchases. 
XX/XX/XXXX- Synchrony Bank reopened the fraud investigation. Called for more information which detailed letter and attachments including police report, photos of my home, photos of where XXXX delivered fraudulent purchases to, receipt of actual purchases, receipt of locked mail box were sent to the fraud investigation by mail and fax. 
On or about XX/XX/XXXX - After receiving all this information, Synchrony Bank denies the fraud claim again and fraudulent purchases are added back on account. 
On or about XX/XX/XXXX - pay off entire account including fraudulent purchases. Due to Synchrony Bank 's inaccurate and false conclusion related to fraud, do not want to pay/spend another dime with them. 
On XX/XX/XXXX, I call synchrony bank to close account.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I have sent in money for my payments and I'm being charged more under the base payment I have sent in extra money to bring my account up to date and to pay on the fees especially these particular dates that I have listed and the extra money was not applied to my fees and I don't understand where the extra money went. I am finding more and more discrepancies on my account and in different months. I have been calling for the past 3 to 4 months trying to get this taken care of only one person help in credit me back my money but it look like they added back on my account again these dates are a example of what I am talking about. XXXX XXXX. XXXX and is also questionable on my monthly payment for the month XXXX again these are just some issues
Consumer complaint received 2018-04-19
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. (IN)

I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit report.
Consumer complaint received 2019-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I brought a car from a car lot on XX/XX/2016. I have never had an original contract with Credit acceptance with my signature that I signed with them. This company keeps reporting the same balance of {$9200.00} to my credit bureaus since XX/XX/2016. I have asked them to send me a legal contract I actually signed with their company they can not produce it. I do not want the contract with the dealer I want the legal contract with my signature and date with Credit acceptance. They are rude and has never updated my updated amount. The company I purchased the car from said the car was {$10000.00} when I looked over the paper work it is for {$19000.00}. This company needs to be removed from my credit report I do not have an original nor new contract with them. I tried calling to discuss this matter but they are rude and do not allow me to talk. I have asked for the oringinal contract also payment history and they will not send me this information.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Partners Financial Services Inc (FL)

I recently sold XXXX gyms. I had a collection company working for me in all fou partners financial a division of XXXX XXXX  We supplied new bank accounts for collected debt to be deposited in. Now Im being told we never gave them that info I believe they have collected money and decided not to pay us
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

My business checking account with Citi Bank was closed with 30 day notice by letter. The letter stated XX/XX/XXXX was the last day the account would be active. No other information was given as to why the account was so promptly closed and without other communication. 

Before the account was closed ( XX/XX/XXXX ), I called to see if this was a mistake and found it was not. I was told the account was closed due the amount of cash being deposited on the account. I asked if I could write a check for the balance to clear the account and was I told I could as long as the check was cashed on or before the XX/XX/XXXX. 

I wrote a check for the balance on the account and it was cashed XX/XX/XXXX. I found out the following Monday the check had bounced despite what I was told by the banker on the phone. I again called Citi and was told even though the check had been cashed on the XX/XX/XXXX the bank to bank clearance didn't happen until the following Monday when the account was closed. At this point, I was told I would be sent a cashiers check for the $ 51,000+ balance on the account. It was also stated that if I went into a branch and answered some questions there was a chance I my account would be reopened. 

Next my business partner went into the branch to see if our account would be reopened and to see if we could get a cashiers check in person. The cashiers check in person immediately was important as we wanted those funds for business operations because we had written a bounced check to pay an invoice based on the misinformation the bank had told us. My business partner was told the account would remain closed and that a cashiers check had already been sent and would arrive to the business address in less than 10 business days. 

At this point we waited patiently for the check to arrive. The 10 business days came and went without the arrival of any cashiers check from Citi. On the 11th business day we called Citi and they said they didn't know where the funds were and there was an investigation. I was told to call a investigations number regarding the issue and give our case reference number to XXXX. I've called this number and left a message everyday with XXXX and I have not received a single call back. I've also called the customer support line several times and left messages with the branch and have not received a call back. 

This has been an incredibly frustrating and painful experience. As an emergency, I've had to personally go out of pocket to fund my business because we did not have the operating cashflow due to these missing funds. 

At this point my property has either been lost or stolen by the bank and I can't get anyone there to even give me a reply or straight answer regarding $ 51,000+ my funds I trusted to hold under their custody. Damages to my business continue to incur. What a nightmare! Please help recover our money!
Consumer complaint received 2022-06-13
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: NAVY FEDERAL CREDIT UNION (FL)

I purchased a sofa from XXXX XXXX XXXX online and used my Navy Federal XXXX credit card and the charge hit my account on XX/XX/2022 in the amount of {$1400.00}. The sofa was delivered on XX/XX/2022 and was defective. The retailer asked that I accept the delivery and they would correct any issues so I let them know what the issues where, 1st, the material was pulled away from the back of the sofa and 2nd, the entire back was loose and visible moved when you sat down and creaked loudly. After several weeks of going back and forth with the retailer, they offered {$95.00} to fix the material that was pulled away and did not address the loose back only to say the humidity can cause that which is completely untrue. At that point, I contacted Navy Federal to dispute the charge. I completed all the information necessary and Navy Federal did credit me back the {$1400.00} on XX/XX/2022 and said they would wait to hear back from the retailer. I then saw where the funds were charged back to my account again on XX/XX/2022 so I contacted Navy Federal and was told that the retailer provided information stating I did not follow their 7 day return policy ( which in not true ) and that Navy Federal would send me the retailers response and that I could appeal it and hopefully get my refund since I have a broken sofa sitting in my home. That was the last I have heard from Navy Federal and of course they still have the charge on my account, they just stopped communicating with me and of course I'm sure there are time limits on these appeals and it looks like I'm going to be stuck paying for a broken sofa and no one will call me back or give me any guidance. I've contacted the retailer with no luck, the manufacturer with no luck and most importantly, Navy Federal with no luck. I even sent Navy Federal a letter addressed to their XXXX, XXXX XXXX on XX/XX/2022, again with no response. Please help!!!
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

The company of Convergent Outsourcing seems to have purchased debt I supposedly owed from another collections agency. However, not only was the account not mine in the first place, I already got the collection removed from my credit score several months ago, making this a repeated attempt at trying to saddle me with debt that is not mine. It also seems like the debt is being marked as new, making it so that it is on my credit report for longer. One last thing Is like to not is that I never even received any sort of communication from this company.