davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (TX)

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 2016-03-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rausch Sturm LLP (FL)

The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.
Consumer complaint received 2021-11-06
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. (FL)

On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and Transunion and XXXX is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (ID)

I am being charged XXXX as off XX/XX/2021 from an insurance agency. They are charging me this balance for a policy I never purchased or signed for. I called to resolve it and they told me it was resolved that it was there fault but now I am still being charged and sent to collections.
Consumer complaint received 2021-11-06
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. (PA)

My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and Equifax response is that they will conduct an investigation and send me correspondence with an explanation of the results they found and that never happened. I disputed these inquiries and it is Equifax responsibility to check the validity of these inquiries and find out how they were verified, written signatures etc. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that. 15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 15 usc 1681d says I would be informed and this never happened. I am disputing the following inquiries 1. XXXX  XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is regarding my bank of america credit card. The payment was set to auto pay ... the selected payment option was as follows : You're automatically sending payments for your bank of america personal card e-bill Deliver by : on the due date Pay : statement balance Limit : {$300.00} The bill was not paid. I am told that the above setting is that the bill should ONLY be paid if the statement balance is less than {$300.00}. My interpretation is that this would be autopayed up to {$300.00} of the statement balance. 

This needs to be clarified as it seems to be a system for generating fees for Bank of America and headaches for consumers. 

Further, if you adjust the auto bill pay, they apparently do not implement the changes for a period of time determined by them and not shared with the consumer. 

Every other bank I deal with is fully transparent as to what will be paid and by when. 

I view the above as deceptive practices.
Consumer complaint received 2022-10-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (NV)

XXXXXXXX is reporting false information on my credit report. a debt collector is saying I owe {$8400.00} which is not true. I have never heard of this company and I have not received any documentation about the debt from this company. Please send an itemized statement of the balance and show proof that the debt is mine. I was not provided with any written paperwork with my name. Please provide a signed paper with my name on the amount that you say I owe. This has caused me a lot of damage because I have been denied for multiple things when the debt is incorrect.
Consumer complaint received 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I 've inquired t o Navient about income contingent payment programs, to which they quote a payment amount th at is still too much. I 've asked if there is any other lower payment amount options, to which they say, " forbearance '' will suspend payments for up to a year, but accrue interest. I have no other option but this, and am getting nowhere in paying this loan down with my current salary.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
Consumer complaint received 2022-10-18
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: AMERICAN EXPRESS COMPANY (GA)

I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (OH)

I opened a XXXX XXXX XXXX XXXX Card from Upgrade in XXXX of 2022. Upgrade openly markets the account type I signed up for as being a cash back card. 

Over the course you using the card for a few months, I accrued cashback in the account. I have tried multiple times to contact Upgrade for how to make use of the rewards, however, they deny them to me repeatedly, most recently as of XX/XX/2022. 

After many slow and frustrating calls into customer support, Upgrade told me I need to carry a balance for " long enough for the rewards to kick in '' at 25 % + interest rate. 

In conclusion, Upgrade is telling me I can only access my cash back by paying massive amounts of interest. This is not in their terms of service.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (SC)

Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.
Consumer complaint received 2022-12-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (KS)

I paid 3 credit cards and have been waiting for nearly 6 months ago. 
I attempted to contact comenity and was told they can't do anything. They told me to send a secure message through their message center, which I did. 

XXXX XXXX XXXX XXXX. Last reported XX/XX/2022. {$410.00} shown on report Ulta last reported XX/XX/2022. Shows {$220.00} on report XXXX last reported XX/XX/2022. Shows {$160.00} on report.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello I have a bank account with Bank of America. I opened a checking and saving account with them about 2 years ago the first year was great no complaints but this past year I dont know what is going on but Im having problems with my account getting hacked into. Im having money just disappear, transactions being made that I did not authorize, checks be cashed on the online banking, and transfers being made to other accounts that I dont know who they are. I tried to dispute all the transactions that I could see that I did not recognize but after months they tell me they are not going to pay the claims. I had someone go on vacation to VA XXXX in the beginning of XXXX using my bank account and I have never been there before and I dispute all of those transactions and they did not pay that claim. The claim was for almost there XXXX dollars. Im still waiting to hear from a XXXX dollar dispute I did on a transfer made through zelle that I did not do. I have filed a identity theft report because there is a name and address on my credit report that I dont recognize and that may be the reason Im having the issues with my bank account. I am beyond stressed about this whole thing and I have lost so much money dealing with this as well. I dont know what else to do, if you could give me any direction to go that would be extremely helpful. Thank you for your time.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group (UT)

On XX/XX/XXXX I submitted a complaint with the CFPB against PREMIER PORTFOLIO GROUP ( complaint number XXXX ) and the company responded on XX/XX/XXXX indicating " Our company will close this account, and cease and desist all further communication with the consumer. '' I received a call yesterday XX/XX/XXXX claiming, once again, that " a bad check was placed with their office attached to my name and account number '' telling me to call XXXX which corresponds to PREMIER PORTFOLIO GROUP. Clearly they did not cease and desist communication OR close my account and i'm being hassled by them again.
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

Ally financial continues to report to all of the credit bureaus false information.   XXXX   &  XXXX  REPORTED ME FOR  XX/XX/XXXX 30 DAYS LATE. I am not 30 DAYS late ... .even if I am 15 DAYS late ... .that still is NOT 30 days ... ..STOP REPORTING FALSE INFORMATION! THEY FIXED MY HUSBAND 'S INFORMATION. BUT THEY HAVE NOT FIXED MINE. WE EVEN GOT DEFERMENTS ON OUR ACCOUNT AND THEY MESSED THAT UP. I am asking that all of the late marks be removed that does n't show true 30 DAYS or over ... ..include all of the deferments also ... .even the one that they approved late to try and make our account late to get extra funds. By law they are NOT allow to do this ....
Consumer complaint received 2018-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I had an equity line of credit with Citizens Bank of Rhode Island. This line of credit expired last week XX/XX/18. On XX/XX/18 I received a letter telling me to pay a {$180.00} " discharge fee ''. They further went on and said that if I don't pay this fee they will not close my account AND they will not release the lien on my house, even though I have a XXXX balance and I owed them nothing. ( see attached letter ). 

I tried calling the " Customer Service '' number provided in this letter and its a joke. This number was strictly for making a payment. So I could not talk to a person regarding this situation. 

Furthermore, the " discharge fee '' was not listed in our contract. They just popped that one on me. That is highly unethical. Reading complaints against Ciltilzens Bank there has been the same issue with other customers so this is an ongoing issue. Are they targeting Seniors because Seniors are less inclined to dispute this charge? 

So, in essence, they did a paper version of " ransomware '' on me by trying to extort {$180.00} from me. At this point, I can not get another loan and I can not use my credit to get another loan. Like ransomware, I can not access and enjoy my intellectual property ( credit ).
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.