davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This account XXXX XXXX XXXX is been reported in TransUnion wrong for a long time. The date opened, original balance and payment history are incorrect. I disputed this account with TransUnion many times and to this date the account still shows the same errors. This account have incorrect information and its been on my credit report for a very long time.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (GA)

Zion 's Bank, based in Utah, is engaging in outright unfair banking practices by habitually and deliberately re-ordering transactions and posting deposits irregularly so that the customer incurs their outrageous overdraft fees. 

I have made multiple attempts to resolve this with the bank to no avail. They simply lie shamelessly. 

This year alone I must have incurred over {$1000.00} in these fees, some of which the Bank reimbursed, but most of which they haven't. Plus, they will not stop this practice turning every banking transaction into a guessing game which is devoted to figuring out how to steal more money from me and people like me.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: EQUIFAX, INC. (CA)

I have a loan with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (MN)

XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (FL)

Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.
Consumer complaint received 2024-01-19
Product: Credit reporting 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. (DE)

I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-12-08
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)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (CA)

In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

XXXX & XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX AUTO Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX & XXXX  Account number XXXX XXXX 

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 an account without my written instructions.
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I took a loan in XX/XX/2016 ( XX/XX/16 ), I was paying on time. 
After i loose a job, i had returned the car, dealership said I'm done. 
But later Santander bank charged my account for {$10000.00} with no explanation. 
This is ruin me credit score.
Consumer complaint received 2019-07-08
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. (GA)

I went to to XXXX to apply for XXXX XXXX  end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've recently sent in debt validation request pursuant to the Fair Debt Collection Practices Act 15 USC 1692g to The Department Treasury collection company and TransUnionXX/XX/XXXX. Both companies TransUnion and Department Treasury has failed to validate the debt that is claim to be owed which is a violation to the FDCPA and FCRA.

Please remove any negative marks from my credit report as it is defamation of character.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MD)

On XX/XX/XXXX at about XXXX, I accessed my XXXX   account to check balance of my XXXX XXXX. The account said " Fraud Suspended '' and could not access the transaction history. I called the XXXX number and was told that a charge attempt was made from 'XXXX ' for {$8.00} so they refused the charge and shut down the card. I am very careful not to give anyone my card -- use cash for gas and other purchases ( I am a paraplegic- use a manual wheelchair, so dont get out of the car for some purchases ). If this was a hack against XXXX, XXXX, or Comerica, THIS IS THE SECOND INSTANCE IN ONE YEAR -- THE LAST OCCURRING IN XX/XX/XXXX. If this is Comerica trying to freeze seniors ' accounts to obtain interest for a few days on millions of dollars -- YOU SHOULD BE INVESTIGATING AND GETTING SOMEONE ELSE TO MANAGE OUR ACCOUNTS. I am following up with my legislators. TWICE IN ONE YEAR??????

Thank you for your great work -- I do know you help and have helped many people in our country.
Consumer complaint received 2022-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/XXXX I came off my forbearance plan with Mr Cooper mortgage in which I made all of my payments on at the end. My husband got a new job due to Covid and his pay date is now once a month and paid on the XXXX of each month. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at any time throughout the month for the next 12 months and not receive any late fees. I said that was wonderful and would be a great solution for me and I already started paying more to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. I made my payment in XXXX, XXXX and XXXX only to find a late fee on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information. A escalation department pulled the call and verified what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is not acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told false information and late fees charged by the mortgage
Consumer complaint received 2019-07-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has done this to me once back in 2020 saying i never made a car payment. They took the money out of my bank account but never applied it to the loan : this made my credit score drop 40 something points back in XXXX of 2020. Wells Fargo did this again to my last car payment for this loan where they took the money out of my bank account and they never applied it to my final loan payment. I have not yet received my pink slip for the car and now my credit score has once again dropped 42 points. They never resolved the issue of my credit score they only apologized. Being a XXXX XXXX my credit score means a lot because I want to be able to buy a nice house or move into a better apartment and seeing how they need to have a credit score at a certain number Wells Fargo has tainted that for me. I do not qualify to apply for a new apartment since the credit scores ask for a score of 650 or higher. I would really hope you can resolved this as I have bank statements and receipts of payment for every single car payment I made to them. I was never once late for this car loan.
Consumer complaint received 2017-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX chexsystems XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (OR)

I used XXXX sent {$500.00} on my DISCOVER online saving account on Friday ( XXXX, XXXX ) and XXXX was down at that time. The recipient didnt get my payment and the money didnt go back to my account! I called DISCOVER on Monday ( XX/XX/XXXX ), the only way they can do is just research, and Then I need to call back and ask. Its so terrible, where is my money?
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (NC)

Today XX/XX/2023 I was contact by a young lady at credit corp solutions. He woke me up at a little after XXXX XXXX. They immediately went into their debt spew and how I was to pay. I asked for a validation of debt and they agreed to send it in email. Once they said it was sent I never received said email to both my inbox or spam. I told him once I get the validation of debt and I can confirm the debt I would call him back ( same day ). I also explained to him that I was trying to wake up still and he wouldnt take no for an answer. He kept telling me no I was stay on the phone and go over the debt with him. He continued saying no I was to stay on the phone with him no less than 15 times. Once I finally told him I was just going to get off the phone he told me he would contact my place of employment ( no longer where I work ). So I kept looking for the email and finally he hung up and immediately called me back. I stayed quiet and he said ok we will contact your place of employment. Then I hung up on him. He immediately called me back and said fine I will call your place of employment. 
I have included a screenshot of the amount of times they have called. The first is a spoofed number of theres then the actual numbers belonging to them
Consumer complaint received 2017-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY (NJ)

I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. 

I sent a message asking to revert the interest charge of {$39.00} and to close my account.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over two years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have illegal reported my transaction history with XXXX XXXX, Web bank/Avant, indigo master card, self lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are illegally adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in violation reporting transactions history. 

PLEASE UPDATE
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (CA)

I had used their lending service paid off my loan. There is a {$9.00} subscription fee for using the service. When I went to stop the subscription, I tried to log into the app but it kept getting stuck at " reviewing bank information '' as it was loading. I tried to login on the website and got the same message. I reached out to their customer service who said it may be an issue with their connection provider, XXXX. Now I have connected my bank many times with XXXX  to no issue, before and after this incident. I told them I was still being charged and wanted to make sure my account was in order so I could close it. They said to try again later. I tried a few days later but it was still happening. Another customer service agent removed my bank info and had me try again. The same issue occured. I asked for help and they kept blaming it on XXXX and said try again later. I tried again a few weeks later after not only trying to ask them for help but also after seeing I was still being charged the subscription fee. This was probably the XXXX  month in a row. I asked them for help and they finally just canceled my subscription. No offer to refund me or care. I asked why I should accept this and not report it. They just replied that my account was closed and good luck!