davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Pentagon Federal Credit Union ( penfed.org ) Application for Line of Credit for Investment Property Closing documents for loan received XX/XX/2019. 

Closing documents included a document entitled : " Occupancy and Financial Status Affidavit '' ( PenFed XXXX ( XX/XX/XXXX ) - XXXX XXXX This document requires a signature certifying that the property being mortgaged will serve as my primary residence. 

PenFed Credit Union was aware that the property WOULD NOT serve as my primary residence. I brought this fact to their attention ( representative name XXXX XXXX ). XXXX XXXX assured me that PenFed understood that the property was not to be my primary residence, yet he informed me that the document needed to be signed, anyway. 

The document states that the Federal Credit Union Act ( 12.U.S.C.1751 ) prohibits Pentagon Federal Credit Union from making a mortgage loan on a home that will not be the principal residence of the member. 

The fact that the property WOULD NOT be my principal residence was submitted multiple times, although the application process encouraged me to say that I " could possibly '' reside in the property ( apparently in order to get around the FCUA regulations ).
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want Transunion to take this false debt off my credit report. I do not owe it. It has dropped my credit score by XXXX points. I do not owe XXXX XXXX dollars the account was closed after 1 day. I did not want the service.
Consumer complaint received 2022-06-15
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Total Finance AC LLC (WI)

I financed a vehicle from XXXX with Total Finance Company in XX/XX/XXXX. Upon financing the vehicle I was told that I didn't need full coverage insurance. I got into a car accident XX/XX/XXXX.  The finance company tows the vehicle away XX/XX/XXXX They have had the vehicle since then up all the way until now. they have had my vehicle for two months now and every time I call they tell me my vehicle is under review. They are still collecting payments for my vehicle but yet they are not giving my vehicle back or letting me know if they are going to fix it or not. They claims department doesn't answer the phone and when you try to file a complaint no one never answer the phone. This finance company is a scam. And they keep threading me saying well if you don't pay your loan we gon na hit your credit. 
These people are telling folks they don't need full coverage insurance on their vehicles and taking their cars hostage and still making them pay for loans hoping they eventually default because they know people are not going to pay for product that they don't have. If this finance company would have never advise me that I don't need full coverage insurance I would have had my cat fixed and would not be going through such hard ships this finance company has cost me two jobs because the won't relinquish my car or fix it.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX account # 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 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Recoveries, Inc. (NV)

See Complaint XXXX it was sent to a company with almost the exact same name and was denied as a result. I am resubmitting under a new complaint.

I met the requirements for the ability to benefit False Certification to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

Moreover, I only filed one False Certification. After it was denied by National Recoveries the Department of Education automatically denied it as though I submitted it twice. This is also illegal.

Lastly, when I called to ask for a fair payment arrangement I was denied. This is also highly illegal.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I am NOT receiving paper statements and there is fluctuating daily balances that are inconsistent with my purchases. My account balance its too high. 

-I suspect I am being billed twice for items -my HIGH monthly auto payment seems to be going missing. 
-Items that have been returned to XXXX XXXX ( which should have been credited to the account as request ) are being applied to the XXXX account as gift cards. 
While my balance remains inconsistent. 

I have expressed my concerns of website content not being delivered correctly ( because of the CDNs ) to the appropriate agencies, and I believe this may be related to the same problem.
Consumer complaint received 2018-10-12
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: Seterus, Inc. (FL)

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info Seterus bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Consumer complaint received 2023-04-10
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ;
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NY)

I attempted to send money to my mother from my XXXX account by using Quickpay by Zelle. My mothers name was used to identify her as the intended recipient but I mistakenly sent it to a phone number that no longer belonged to her. The unidentified person at that phone number accepted the money. I attempted to get money back by filing claim with XXXX because the intended recipient was obviously not the person at that phone number but my mother who was identified by her name. XXXX said that they could not refund money, that Zelle was a separate company that processes the subject transaction, and that Zelles policy when processing transactions does not take into account a persons legal name ; Zelle only uses the phone number. I attempted to contact Zelle to complain about this absurd policy hidden in the fine print of its terms and conditions, as every normal banking customer memorializes who they intend to pay by using that person or entitys name not their phone number. Unfortunately, it was impossible to get in touch with a representative and a pre-recording stated that I should contact my banking institution anyway because Zelle does not have customers personal information contradicting what XXXX advised me to do.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (CA)

I have been a with SANTANDER CONSUMER USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2024-02-29
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. (KY)

On the XXXX XXXX XXXX XXXX, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC (TX)

Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to reinsert a deleted credit report " XXXX XXXX XXXX XXXX '' the company is trying to reinsert it with my consent and sent the report several times to transunion with reinsertion form, but transunion is not reinserting it, they are miss handling and not working according to the law. I have profe that they are recving it but they keep on saying the didn't recive it, pls see attachments.I have wasted lots of money and time sending faxs, mails, but the company keeps on ignoring and miss handling my credit report.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I receive email notification that my new VISA card, ( a replacement card ) had been charged {$350.00} by merchant, ( XXXX XXXX on or around XX/XX/22 without my knowledge or approval. 

I contacted BOA to determine how XXXX was able to obtain my new credit card information as it was not on file with the merchant and their response was ; the information was obtained through the " Account Updater Program '' something I knew nothing about. 

I then requested that the " Account Updater Program '' be disabled for my credit card and BOA said that this was a service offered by Visa and I'd have to contact them in order to disable service.

I then contacted VISA to have " Account Updater Program '' disabled and they said that was not possible. I'm not sure how this is legal but it would seem that the merchant has more control over my credit card information than I do and this is totally unacceptable.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2023-03-17
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: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC (AZ)

Company is violating my rights under FDCPA by leaving account specific information on a cell phone voicemail that does not clearly info date who it belongs too or without making direct consumer contact. Threatening to transfer account to legal department via voicemail to coerce payment. Advising I have 5 days to submit a payment or my account will be transferred to legal department via voicemail. Not honoring multiple requests to call within preferred call window as I am employed and can not answer the phone during work hours. Violations of both FDCPA and UDAAP violations.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.
Consumer complaint received 2020-12-15
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.