davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
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. (TN)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (KY)

XX/XX/year> I placed order for XXXX XXXX XXXX XXXXXXXX XXXX with XXXX XXXX using Klarna 's pay in 4. Order was successful, got billed buy Klarna via my credit card. Then order was canceled by XXXX. I called XXXX multiple times and with each call that drops leading me to interact with different support personnel. XXXX different ridiculous reasons for canceled order : Reason 1 : ( attached XXXX ). 

Reason 2 : ( attached XXXX ) Reason 3 : Billing address mismatch. 

I decided to let XXXX sales assist with the order over the phone. At the checkout, Klarna forward a notice " Sorry we can't approve your order '' After XXXX canceled this order, my Klarna account was somehow flagged and simply stopped working everywhere. I called XXXX and they told me its not their problem. 

Till today XX/XX/year> my Klarna account is still not working. I have tried all these troubleshooting steps below but none has worked so far : XXXX. Removed connected bank XXXX. Re-added bank, removed and added a different bank XXXX. Removed credit cards, added different credit cards XXXX. Waited 24 hours, 48 hours 72 hours even a whole week XXXX. Created a new account with same details XXXX. Had Klarna delete old account then recreated account. 
XXXX. Reset link for facial and ID scan will not accept my foreign issued passport. 

I tried creating one-time card then I realized there was an Averse Action Notice that stated " Klarna couldn't verify my identity '' I have engaged with Klarna multiple times throught out the month to at least try and verify my identity to continue my service but as usual, customer support just reads outs what I can only assume they only thing they can say and not actually fix a problem. 

If the solution is as simple as verifiying my identity, I'm not quite sure why I have been receiving such awful services since I joined Klarna. 

Just like the discriminatory financial firms i've come across, Klarna simply just doesn't care about XXXX person not having access to their platform.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Agencies, Inc. (MA)

This company was sent a cease and desist letter, sent by certified mail and received by their office on Monday, XX/XX/XXXX. Today is Thursday, XX/XX/XXXX and they have started calling again.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America failed to properly answer to my complaint filed on XX/XX/XXXX, somehow you or them marked my new complaint dated XX/XX/XXXX as, ( duplicate of the complaint before this one ). But it is not a duplicate it is a new complaint based on their failure to properly address every issue of my complaint. 1- I asked for the information about the XXXX trust that they stated is the lender/creditor of this alleged mortgage loan. 2- They did not prove that they have, or had had any rights to collect payments from this alleged loan. 3- they did not provide a true payment history of all the monies that they collected from me. neither showed any electronic transfer of payments made to the alleged trust. 4- They only sent an audit history full of discrepancies and unapplied payments. They also had the audacity to send fabricated copies of the trust deed and promissory note with computer, robo signing. 5- They failed to disclose who is the pretender custodian of the documents of this alleged loan. 6- they failed to disclose the name and address of the pretended trustee. 7- They failed to disclose where the alleged balloon payment due at the alleged maturity date of such alleged loan came from. The truth is that this bankster never owned the alleged loan, this loan was satisfied/discharged. The truth also is that neither the originator XXXX XXXX XXXX nor the predator XXXX were the lenders of this alleged loan. This alleged loan was funded by the sell of my signature to the multiple investors of the trust XXXX  XXXX. This trust was closed on XX/XX/XXXX and dissolved on XX/XX/XXXX according to the records on the Security & Exchange Commission. This is not a duplicate, Thanks.
Consumer complaint received 2022-03-03
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-20
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: AVANTE (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-26
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Security National Automotive Acceptance (AP)

Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX I was denied an extension of credit by Bank of America thru XXXX XXXX XXXX XXXX XXXX. According to the equal credit opportunity act it is against the law to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Civil liability has been assumed pursuant to 15 USC 1691 ( k ). Proof and evidence I have of the discrimination is the letter dated XXXX XXXX. This will be considered an unauthorized use since I have received no benefit. 15 USC 1681m, 15 USC 1642, and 12 CFR 1002 can be noted as well if my federally protected consumer rights violations.
Consumer complaint received 2018-05-24
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)

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2017 This is was in inquiry placed on my credit and i do not recall giving authorization on providing consent for this company to check my credit. it shows as a hard inquiry on my credit and i would like to get it removed
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for an auto loan with XXXX XXXX which was denied. The stated reason was that they were unable to resolve the fraud alert on my Transunion credit report. My denial letter indicated I could get a free copy of my credit report from Transunion. However, I was unable to do so via either phone or online. When I contacted Transunion 's XXXX-based customer support center, I was told that there were inaccuracies in my credit report. In order to resolve these inaccuracies, I was asked to mail in a copy of my SSN card to a PO Box number. This seems highly suspect to me. 

I asked the call center support rep to send me a letter stating why Transunion could not send me a copy of my credit report ( inaccurate or otherwise ) but she said that she could not do so. 

It seems to me that if Transunion is able to detect a problem at its end, they should be able to fix it automatically without the intervention of the affected consumer. I am still unable to get a copy of my credit report.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

I received a mailer from Caliber Home Loans on XX/XX/2021. The mailer states they offer rates as low as 0.022 % ( 0.029 % APR ). 

I called the number on the mailer, and the representative said the offer was in fact real, then forwarded me to a Loan Officer to get the process started. Within a minute the Loan Officer stated the offer was not real and began to hard sell me using fear ( " rates just keep going up '' ) and had no data to prove his statement. 

It was very clear from the call that the mailer was just an attempt to get me on the phone. This is a terrible business practice and Caliber Home Loans needs to be audited.
Consumer complaint received 2018-05-24
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. (DC)

I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX  , apparently it was reported to transunion ) and name. 
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2022-07-25
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NM)

I have had a lot ofl conversations over the phone and email the company chime refuses to help me and instead tells me it is my doing when it is not and i have more than proved it to them. 
the following transactions were taken from my account unauthrozed< - XXXX XXXX XXXX XX/XX/2020 {$34.00} - XXXX XX/XX/2020 for {$170.00} -XXXX XXXX XX/XX/2020 for XXXX -XXXX XXXX XX/XX/2020 for {$47.00} -XXXX XXXX XXXX XXXX for {$15.00} XXXX XXXX  XX/XX/2020 for {$100.00} XXXX XXXX XXXX XX/XX/2020 for {$310.00} XXXXXXXX Trip XXXXXX/XX/2020 for {$26.00} I have sent in my time cards from work showing that i was in a NM not NV, i was on the phone with someone from chime whlie it was happening one time, I have asked my accounts be closed and they still have not been. i have contacted the companies personally and have gotten emails stating that when the transactions were " being Made '' that the store was not even open. they still refuse to help me out and just blame me for doing the transactions.
Consumer complaint received 2018-05-24
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: U.S. BANCORP (GA)

US Bank allowed someone to open a account in my name. I was informed by the Earlier warming the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the XXXX XXXX XXXX which handle account reported by banks. USBank only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no US Bank in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

There were XXXX unauthorized charges made to my account using my debit card number on XX/XX/23. XXXX was for {$77.00} and was for {$99.00}. These charges were made in XXXX different cities, XXXX minutes apart, neither of which I live in. Both were made at a XXXX. Chase bank even sent me a fraud alert, but now Chase says they are authorized and is taking the money out of my account. I did not make these purchases.
Consumer complaint received 2022-07-25
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021 I had XXXX XXXXXXXX and was in ICU for 9 days and pregnant at XXXX weeks. After my hospital stay and delivery, I notice a late 30 day payment on my capital one credit card account. I sent multiple letter stating to them to DELETE the late payment and stop furnishing that late payment to the credit reporting agencies ( XXXX, XXXX, and XXXX ) they sent me letters that the account was accurate. I explained them that it was not about the accuracy of the account but non consent to report. I further explain that they were violating me under 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS. That states that the experience that I am having with them are not supposed to be reported without my consent. Non consent is identity theft. I am suffering actual damages right now because no lenders want to loan my money, I can not get a mortgage or stable employment.
Consumer complaint received 2022-03-08
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NC)

On or about XX/XX/22, a gentleman by the name of XXXX from Rocket Mortgage ran my credit without my consent. I complained to Rocket Mortgage and a young lady by the name of XXXX XXXX , Phone number XXXX XXXX, responded. She advised by phone that I really do not have to give my permission per se when I was asked about my date of birth and gave the last four of my SS number it was understood I was giving permission. I told XXXX, I wasn't interested in his product and never gave him permission to run my credit. The reason I gave him this information is because he said he wanted to confirm I was who I said I was. XXXX reached out to me on two occasions and on the last, didn't deny any wrong doing or take any credit for any wrong doing. I told her if anyone was to call me from Rocket Mortgage, my first statement would be to tell them, I didn't want my numbers run. I was civil the whole time but very unhappy with Rocket. XXXX, initially, stated she could stop the hard inquiry that XXXX made but was over ridden by sales or management figuring I was an old man and who would know. I have good credit and I am trying hard to keep it that way.
Consumer complaint received 2018-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I started using heartland payment systems company for my XXXX business onXX/XX/XXXX, normally I should receive my money in to my bank no more than 24 hours, but they hold my money over 20 days, until I found out it on XX/XX/XXXX on my online banking and called them. in the past 20 days no body contact me about this happen, I was very shock.i don't know who took my money in the past 20 days. I been talk to them many time to get back my money, they keep lie to me said tomorrow than tomorrow again, my business checking account been negative, not enough money to run my business, I wait for almost a week to get my money back, also they didn't give me a final answer what is going on. the money sent back to me was not very clear, and not correct. ( heartland customer support XXXX )