davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (AK)

The phone calls started last year. Not sure of the date of the first call but the first one I could find on caller ID was XX/XX/XXXX at XXXX from XXXX to our home phone number. I told them that we dont owe what they claim we do and to stop calling. XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX and XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX all to our home number. The calls continue getting more frequent until they call every day. They call our house, my cell phone and my husbands cell phone every day now. Phone numbers they use are XXXX, XXXX, XXXX. The guy said if we dont pay then they will take our drivers license away. I received a letter dated XX/XX/XXXX from XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX stating we owed {$2400.00} for some damages that we had nothing to do with. Ive been in contact with our insurance company, XXXX, and they sent them letters stating not to contact us and to contact our XXXX claims agent only. This company harasses us every day on all 3 of our phone numbers.
Consumer complaint received 2022-08-18
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. (GA)

I have a total of 6 inquiries that were not authorized by me. Five inquiries took place on XX/XX/2020. These include : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Another inquiry took place on XX/XX/2020 for XXXX XXXX XXXX XXXX that was not authorized by me. I did not agree to or authorize the listed inquiries.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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 a account without my written instructions.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address I no longer live that I'm subject to identity theft. 
XXXX XXXX XXXX XXXX, GA 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 a account without my written instructions.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

Beginning XX/XX/XXXX, I began receiving letters from various credit card companies regarding an application made in my name. To date there are eight cards which have been requested using my stolen personal information. I have placed a credit freeze with all three credit agencies and subscribed in XXXX, and have filed a police report. At this time it does not appear that the criminal has succeeded in receiving any of the cards. Here is the list of fraudulent cards requested. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (MD)

Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have maintained in good standing the same account with Bank of America for over 25 years. On XX/XX/XXXX, I deposited a cashier 's check at the branch for {$6000.00}. Bank of America placed the funds on hold until XX/XX/XXXX ( Yes 8 business days ). I called B of A and spoke with an agent and supervisor who explained that due to losses, checks over {$5000.00} including certified funds are placed on hold. Regardless of the banking relationship. This is a UDAAP issue for a few reasons. 1 ) B of A placed an extended hold on certified funds for no reason while earning Interest / investment returns to benefit the bank. 2 ) B of A does not place all of their account holders funds on hold for 8 business days. I am writing this complaint on XX/XX/XXXX because I truly believed the funds would have been released sooner.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

This complaint is against RECEIVABLES PERFORMANCE and XXXX. I keep getting collections notices for a name other then mine. The last name in question is spelled with a XXXX instead of a XXXX ; saying I owe XXXX {$420.00}. I have never had XXXX service and have been an XXXX XXXX XXXX customer for 20-Years. I have called XXXX several times and the Collections company ... with NO HELP. I have tried several times to remove this from my file and it was removed once and keeps coming back.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Neighborhood Assistance Corporation of America ("NACA") (NY)

I wasn't sure how to classify this. InXX/XX/XXXXI filed a complaint against NACA here w the CFPB about a problem I was experiencing with their counselors at the local office. When I initially filed the complaint, I explicitly asked for the NACA office to truncate my information so that those involved in the incident did not have access to my personal information. The DM never responded as to how he was going to secure my personal information. 

Recently, I was NACA qualified and sent back to the local office in XXXX. I am now finding out that in XXXX of XXXX, someone at NACA pulled my credit report without my authorization and they're telling me I can't purchase a home without paying for the credit report. I did not authorize NACA to pull my credit in XXXX of XXXX. I was actually in the process of getting a new remote XXXX from XXXX to XXXX so I was not even an active participant of NACA in XXXX of XXXX. Someone at NACA pulled my credit report without my authorization and this leads me to believe someone there is trying to steal my identity as there was no other reason for them to pull my credit. This violates the FCRA as I did NOT authorize my credit to be pulled. I want to know why my information was not secured when I spoke with management about the issues I had and advised them my information needed to be secured at the XXXX office.
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a XXXX XXXX. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX   representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX and TransUnion and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Consumer complaint received 2019-04-02
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: Innovis (MA)

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX financial service. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (FL)

I received a car title loan from Wilshire Commercial Capital L.L.C . XXXX Wilshire Consumer Credit XX/XX/2021 when I was going through some hard times. I'm not using this as an excuse but I was rushed through the whole process. I started having issues paying for the loan, so I started researching, and my interest rate is very high, 88.77 % annually. Doing research I read in the state of Florida XXXX may be applicable in this case because Florida 's maximum interest rate is 18 % right? Then under Fl Statutes XXXX the Fl title loan act requires a title loan lender to be licensed by the XXXX XXXX XXXX XXXX and Wilshire Commercial Capital LLC has no licenses for Florida their XXXX ID is XXXX. So with the high-interest rate and with the car as their security, it shouldn't be this high. I owe more now than I did when I first got the loan. I have made 12 out of 43 payments of XXXX a month and a couple that was a little more with a total of {$6600.00} paid 31 payments left = {$17000.00} and a payoff of {$9500.00} and the amount I financed was {$7000.00}
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (LA)

I AM WORKING WITH THE XXXX PROGRAM TO OBTAIN THE $ XXXX TO GO TOWARD MY MORTGAGE ARREARAGES AND MIDLAND MORTGAGE HAS ( DURING THE XXXX  PROCESS ) HAS FORECLOSED ON MY HOME. I AM WORKING WITH A HUD AGENCY AND WAS CONDITIONALLY APPROVED FOR THE $ XXXX.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo had a credit card offer in XXXX with 3 % balance transfer fees with 0 interest. I emailed, then called to ask if they could match my XXXX limit of {$20000.00}. I told them I was only interested in an account if I got the same credit limit so I could make a substancial balance transfer. They told me on the phone I had to complete their application and they would answer me by mail. A week later they send me a card with a {$2500.00} limit. I called that day and told them I did not open the account, I only made an inquirey. I cut up the card and told them to void the account. They not only kept the account open but made a payment to my XXXX account without my permission and are billing me with fees. I've called, I've written to them. The bills keep coming and now this bogus account is on my credit report as late. In 19 years of credit history I have NEVER been late on a payment. Wells Fargo continues to open fraudulent accounts. Pease help!
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Experian is being negligent and is reporting a bankruptcy on my report that they are falsely claiming to have verified via XXXX XXXX. I have been in contact with XXXX XXXX various times over the past year, I also spoke with them today, and they have confirmed that NO BANKRUPTCY RECORD EXISTS ON MY CONSUMER FILE. I have submitted various disputes to Experian and in the most recent dispute # XXXX from XX/XX/2022 I have provided my XXXX XXXX report, which has no records of bankruptcy, and I have provided Experian a letter from XXXX XXXX, in which they state that no such report has been found on my consumer file. Nevertheless Experian responded today XX/XX/2022 via their online portal that the bankruptcy was verified. I have attached relevant documents as reference.
Consumer complaint received 2022-08-18
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-07
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. (IL)

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, EQUIFAX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX and DEPARTMENT OF TREASURY ACCT # XXXX XXXX XXXX XXXX replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MI)

Our mortgage was originally with XXXX and they transferred us to Statebridge Company. Right from the beginning our mortgage statement always arrives one or two days before the due date. As of today 's date, XX/XX/19, we have not received it and it was due yesterday XX/XX/19. I have called several times regarding the timeliness of the statement. One guy told me that is just a courtesy, I don't need it to pay my bill. If you pay online they charge you an additional {$5.00}. If I received my statement timely, I wouldn't even have to pay online. If it was received timely we wouldn't be paying additional interest fees or possible late fees. When I do send my bill, they hold it for several days. I have called them a couple times to see if they received my payment because they don't process them timely. In my opinion this company is committing fraud.
Consumer complaint received 2019-04-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (TX)

Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Consumer complaint received 2019-04-01
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: Synovus Bank (LA)

After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I just applied for a XXXX capital one, Im always very careful to read all the conditions. With this card I took the same precautions especially with the annual charge. They are charging me at the beginning of the year when clearly in the terms and conditions it says that it is an annual charge. This is misleading and disrespectful to consumers.