davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (FL)

Capital one 02/05/2023
Capital one 02/08/2023
Capital one 03/08/2023

SYNCB/Amazon 02/05/2023
Consumer complaint received 2018-11-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (CA)

BMW financial service is very unprofessional and did not do their jobs after charging {$100.00}. I need to takeover a lease from my friend and I have very good credit history ( 760+ for all three credit report ). On XX/XX/XXXX, I submitted my application. Then they call me said my XXXX  and XXXX report are frozen. Actually I only freeze my XXXX report. I call back give them the access code. After one day, the told me I am rejected. But I didn't find any credit inquiry in my XXXX report. There is no negotiation, no reconsideration. If they made mistakes, they will also charge you {$100.00} and don not refund.
Consumer complaint received 2018-11-01
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. (TN)

There are unauthorized hard inquiries on my credit report that are tremendously affecting my credit the inquiries are from the following companies XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 and XXXX XX/XX/2018
Consumer complaint received 2018-11-01
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. (WI)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-11-01
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. (WI)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In early XX/XX/XXXX I called Capital One regarding a late fee posted to my credit card account. I spoke to a senior rep. who told me my payment of XX/XX/XXXX was credited to the prior billing period and not to XX/XX/XXXX. I got her to review my account and because she saw I regularly paid my bill in the early part of the month she reversed the late fee. I thought it was taken care of. I made my XX/XX/XXXX credit card payment on XX/XX/XXXX. 
On XX/XX/XXXX I received a mobile notification from their phone app that my payment was late. I checked my account and it showed a late fee again. 
I spoke with a rep who told me the fee was because I had not made the minimum payment for XX/XX/XXXX. It was higher because I had not made a payment in XX/XX/XXXX. 
I immediately asked for a senior acct rep ( later identifying herself as " XXXX '' [ employee ID XXXX ] ). In brief, she told me it was impossible for Capital One to reallocate the payment made in XX/XX/XXXX for XX/XX/XXXX. and that in order to solve the problem I would have to make a payment of around {$400.00} before XX/XX/XXXX ( this in addition to whatever minimum required for XX/XX/XXXX )!  When asked she refused to refer me to her supervisor and would not give that person 's name. Like most people, I can not afford an extra {$400.00} due to *their* error.
Consumer complaint received 2018-11-01
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. (MI)

I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.
Consumer complaint received 2018-11-01
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: EQUIFAX, INC. (TN)

I have contacted Equifax on several occasions about 24 hard inquiries that are on my credit report that have not been removed in the time that the agency stated they were going to be removed
Consumer complaint received 2018-11-01
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. (MI)

I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.
Consumer complaint received 2017-07-03
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: First Data Corporation (TX)

I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (CA)

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. FBCS Inc is illegally trying to collect on a fraudulent account opened in my name, by the original creditor XXXX XXXX  XXXX, which violates the FCRA. The account has a balance of {$2700.00} ( account ending in XXXX ). I have contacted both FBCS Inc, and the original creditor XXXX XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. This fraudulent identity theft account need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I have a large amount of student loan debt as I have tried several times to complete my degree program. My loan amounts are approx. {$70000.00} at this time. I started college in XX/XX/XXXX after I graduated high school and I did complete an XXXX Degree program. I have since enrolled in several XXXX Degree programs and have been unsuccessful in completing them. The financial aid departments and college recruiters never tell you the extreme levels of harassment that Naviant will take to get paid on their loans. 

I understand I that I owe the debt. I also understand that I have XXXX children and I work a full time job. My fiance and I are struggling to keep our rent paid and our electricity turned on at this point in our lives. XXXX of my children 's birthdays are coming up and XXXX is right behind that. It's difficult to explain to children that I couldn't buy them a birthday gift because I had to pay for degree that I actually never got. It's also difficult to explain to our landlord that we couldn't pay our rent for the same reason. I've done my best to pay {$50.00} a month for two years and I reviewed to find out that instead of paying that {$50.00} dollars toward the lowest or highest interest accruing loan, Navient was taking the {$50.00} and splitting into change across the several loans and making appear that my several payments I could make actually never had any impact at all while continuing to charge me interest on all of the loans. Over the last year I have made payments to loans when I could but the loans that had the lowest balances in an effort to actually pay off some of the loans before I die, as based on their payment allocation or payment options I will either never be able to pay the loans off or never be able to afford to pay the loans off. I do not know a person who can with my salary make payments to a loan of over {$2000.00}. 

I was notified last night, via XXXX XXXX, by a neighbor that I grew up beside that Navient had reached out to them. Let me be clear, I haven't seen or spoken to this woman for 15 years and Navient reached out to her to contact me about my student loans. Navient also reached out to my father, whom I haven't spoken to for over 10 years. I'm XXXX years old. I'm curious to why these people are being contacted in regards to my debt.I feel that this may be a violation of the FDCPA. I spoke with someone at Naviant last night, who stated that it's a form of " skip tracing '' which makes me feel like a criminal. Over student loan debt. She asked me to call again today to make a payment of {$50.00} to clear the past due history until XX/XX/XXXX. I plan to call to pay the {$50.00}, which takes {$50.00} from my grocery bill for this week. Which means my fiance and I will not have lunch for this upcoming week, but I understand this debt is important and I don't want to have any more calls to my friends or any acquaintances I may have listed from the " skip tracing ''
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018, the NC department of revenue ( NCDOR ) placed a hold on my account. I contacted the NCDOR and they sent a fax over on XX/XX/2018 to have the hold removed. On XX/XX/2018, Bank of America charged my account {$120.00} & {$6.00} for a " legal fee. '' I have never been advised of any legal fees or any in charges regarding legal fees from Bank of America. I contacted Bank of America and spoke with a representative who advised it was valid charge even though I had NEVER been advised of such fees. I requested a refund of this charge and they refused. What if they wanted to charge me {$1000.00}? As a consumer, I have the right to know what fees may be incurred in specific situations and I never have been provided this information. I believe this is a way for Bank of America to take advantage of consumers in difficult situations. I am requesting that Bank of America refund me the so called " Legal Fees, '' and provide consumers with this information in the future.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. 

I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. 

What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. 

This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). 

Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?
Consumer complaint received 2018-11-02
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 am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity XXXX CFPB remove XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX  XXXX
Consumer complaint received 2018-11-02
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)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

The phone representatives at Navient, I assume, did not have all the same information. Information on my student loans, depending on the phone rep., changed from time to time. The phone reps were very pushy on what repayment plan I would need, not clear on what each repayment plan was. The information each year from Navient, was not sent via email or mail sometimes and was not prompted to renew the repayment plan I was in, making me default at some points during the repayment process.
Consumer complaint received 2018-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of america just sold my loan to XXXX XXXX. I am having nothing but issues with XXXX. Because bank of america refused to send my partial payment and the payment of {$160.00} to notify XXXX. Now XXXX says I owe them {$2800.00} and I have my bank statements to prove that the payments I made to bank of america have cleared prior to XXXX taken over. I only owe them for 1 month payment which is XX/XX/2001. I tried to make my bank payment with XXXX not they say I am not allowed to make payments. I have been harassed by bank of america for 10 years and now XXXX is harassing me by falsely saying I owe them {$2800.00}. I am under bankruptcy protection. I am being discriminated against and harassed because I am a single female. They're both trying to make things as difficult as possible for me. They are retaliating against me because of the complaint I made against them by trying to make me late by blocking me to where I can't make my payment. They are trying to lie to my lawyer that I reported false information to the bankruptcy court about how much payments I was past due which was {$4500.00}. Which they was reporting on my mortgage statement. They can not except that I have filed for bankruptcy.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: SUNTRUST BANKS, INC. (FL)

I contacted my. Bank Suntrust. Friday XX/XX/2018. At work ; after seeing a repeated pattern of excessive fees reposted to my savings account. I was told that the transaction was reversed. I was told. " I had 6 times a month to transfer funds between accounts. The {$12.00} was never returned to my account. Instead another {$12.00} was taken out. In less than a month XXXX+XXXX+XXXX was taken out of my account. In less than a month. A total of {$30.00} was taken out of my savings account by Suntrust Bank. I now want to officially close my account with suntrust. And file an official complaint ; against Suntrust Bank. I feel so violated by this Bank ; as a client. My name is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX, has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Consumer complaint received 2022-03-14
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: JPMORGAN CHASE & CO. (CA)

JPMCB CARD is showing that I applied for a credit card on XX/XX/2021. Reported by XXXX. I did not apply for a credit card to this company on this date.
Consumer complaint received 2022-02-18
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: CONTRACT CALLERS INC (IL)

I ran my credit report because I am trying to refinance my house. I noticed this report on my credit that I had no idea what it was. I researched ( Googled ) Contract Callers ( supposed collection agency for a company called XXXX XXXX ) because on my credit report there is the wrong phone # ( XXXX is not the phone # ). After finding the correct phone # on XXXX ( XXXX ) I called on XX/XX/22 and talked to a woman named XXXX XXXX XXXX 's. The first phone call she gave me a possible fraud address and said that this was in collections under my SS #. The possible fraud address she gave me is, XXXX Trellis XXXX XXXX XXXX XXXX XXXX XXXX GA. 

The 2nd time I called Contract Caller 's ( on XX/XX/22 ) around XXXX p.m. XXXX, I was at the XXXX XXXX XXXX XXXX XXXX waiting for an officer to take my report on this fraud and she ( XXXX XXXX XXXX said that she has no record of me talking to her and that nothing is showing under my ss # for " Contract Callers ''. 

I am completely baffled as i don't know if " Contract Callers is the Fraud problem or this XXXX XXXX XXXX is. I don't know what to do as I have no idea who these company 's are and never had anything to do with them. 
I have made a police report with the XXXX XXXX XXXX, XXXX # XXXX phone # XXXX