davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-03-13
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

XXXX show up on my credit history ( XX/XX/XXXX) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXXandXX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

Nissan Motor ( XX/XX/XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX) do not have any knowledge of this inquiry
Consumer complaint received 2022-06-11
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: DISCOVER BANK (FL)

On XX/XX/2022, I unknowingly made a purchase on a fraudulent website which had no intention of ever sending out the product I purchased. Upon reading of other people having the same experience, I canceled my order. The company sent me a fake cancellation email, and did not refund my purchase - documentation that I informed Discover that I had, and would have been happy to provide. I contacted Discover Bank today, XX/XX/XXXX, where after being transferred 4 times to different agents, the representative told me that Discover would not be continuing with a chargeback, because it was not the result of identity theft. The agent proceeded to tell me that I should resolve my issue with the merchant by " complaining about it online ''. This is in violation of the Fair Credit Billing Act regarding disputing a charge for a good or service that one did not receive as a billing error.
Consumer complaint received 2018-11-27
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: TD BANK US HOLDING COMPANY (FL)

THIS IS A COMPLAINT AGAINST XXXX/TD, BECAUSE IT IS REPORTING AN INQUIRY IN THE XXXX AGENCY WITH DATE OF XX/XX/2018. THAT I DO NOT AUTHORIZE, REQUESTED WITHOUT MY PERMIT AND IN A FRAUDULENT FORM, BECAUSE I NEVER AUTHORIZE IT. I AM A VICTIM OF THEFT OF UDENTITY AND I HAVE NOT BEEN ABLE TO OBTAIN MY DATA TO MAKE A CONSULTATION THAT I HAVE NOT AUTHORIZED.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX   on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX  placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (TX)

Made a payment of {$500.00} through XXXX to an online sneaker store called XXXX XXXX XXXX around XX/XX/2018. Never received the product and found out it was a scam after several non responses via email and phone calls. After several attempts to get a refund from my bank, I received a letter stating that I made the payment and the bank wouldn't refund my money.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
Consumer complaint received 2022-06-11
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 account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as XXXX, XXXX AND TRANSUNION can Not Furnish a account without my written signature or instructions to do so.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACURATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRASUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.
Consumer complaint received 2021-12-06
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. (CA)

I have sent multiple letters to Transunion asking them how they verify an alleged bankruptcy case thats showing on my credit report. They always respond with they verified through courthouse which I called them and wrote to courthouse they said they never report to a any bankruptcy courthouse. So Transunion is lying and stating incorrect information on my credit report.
Consumer complaint received 2018-04-13
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. (IL)

On XX/XX/XXXX I mailed Equifax a dispute. Equifax mailed me a request dated XX/XX/XXXX, for proper ID info I included in my initial dispute ( see attachments ). This is an obvious delay tactic and a gross violation of FCRA rules. Equifax has failed to respond in the 30 days provided by the FCRA and must delete the items in question. 

The items are as follows : Equifax ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS XXXX not mine
Consumer complaint received 2021-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I attempted to fix issues with the credit bureau but no success so am I now filing a complaint against the credit bureas due to the false and deceptive report of the credit bureaus.
Consumer complaint received 2023-01-03
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. (TN)

In accordance with the Fair Credit Reporting Act Equifax, XXXX, 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 account information without my written instructions. 

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.
Consumer complaint received 2024-02-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma (TX)

On XX/XX/XXXX my account was closed. I called and they said they close it because I didnt certify some information. I have had this card for 3 years for my income tax only. I ask them how do I get the money that is on there. They said it will go onto your linked bank in 5 days. I never received my money and no way to open the account back up. On the XX/XX/XXXX I called again and she said it will take 50 days to get my money back. Why should it take so long. Then I received a email on XX/XX/XXXX saying I could reopen my account in 15 days but where is my money?? They responded with your money will be back in your account when you open it back up. I dont want to open the account back up I just want my money
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually Ocwen called onXX/XX/2018, that our monthly payments went higher than when was originated. Along with my husband, who is now XXXX, have been attempted to modify our loan through Ocwen Loan Servicing, LLC, while seemingly trying to modify our loan, at the same time, Ocwen are trying to foreclose our property. It is our assertion that Ocwen have not dealt with us in good faith.
Consumer complaint received 2021-12-05
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: WELLS FARGO & COMPANY (OK)

I have several accounts illegally reporting information solely on transactions and experiences from XXXX and XXXX. According to fcra consumer laws and regulations section 15 U.S.C. 1681b It clearly states a consumer report does not include information solely about transactions and experiences. There is no permissible purpose for this reporting except to damage my reputation. I never consented to this erroneous fraudulent reporting of Wells fargo, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.
Consumer complaint received 2018-08-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

U.S Bank put us in a program after hurricane harvey hit and said we wouldnt have to worry about anything happening to our credit or late payments. They ended up saying we didnt pay them for 3 months that were after our program when we werent supposed to have to worry about that. We were told it would go to the end of the loan period.
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (SC)

I applied for several loans of Omni Financial of Nevada , Inc. back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The loan amount was {$3300.00} in total. My monthly payments were set up for {$150.00} out of my military checks twice out of the month. Then, it jumped up to {$190.00} twice out of the month later in the year of XXXX. They also have me on a extremely high interest rate of 33.122 % and taking out interest accruals. As a XXXX XXXX XXXX, my interest is not supposed to be that high. They also don't have all the documents on your account that you can see online. It stops at a certain date.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX
Consumer complaint received 2022-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In less than 6 mon. I have racked up a total of 3 inquiries with one that I do not recognize on my credit report CAP ONE NA as well as a duplicated inquiry from XXXX XXXX XXXXl on two separate dates on XX/XX/XXXX and XX/XX/XXXX on a single loan for {$5000.00}. Id like two only have one inquiry which I expected to have on my report instead of 3 which I do not want.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I requested the original contract for validation for the fraudulent account from the bureau. I sent in a letter and an FTC report just like the bureau requested but I still havent received validation or the original contract. This account is still on my report and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2018-11-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA, XXXX XXXX XXXX , XXXX, AZ XXXX ( XXXX ) XXXX was my employer. This was reported to manager and XXXX XXXX the legal counsel at USAA. 

My credit bureau report has been shared with XXXX plus employees. This began on or around XX/XX/2018. A supervisor shared my CBR with co-workers, XXXX XXXX and others. This was an infringement on my right to privacy. 

Some of the witnesses are : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, x XXXX, XXXX & XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, and many other that work at USAA. The attorney general has the witness information and is reluctant to file the charges against USAA. Please stand up for me and my privacy rights. Thank you. 

It also appears that this same company has now reported my history on another person 's cbr, namely, XXXX XXXX. She has sent letters to the CBR agencies to take my information off of her CBRs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

I have an adjustable Rate mortgage which should be based upon the LIBOR 6 month rate 15 days before the change date. This time they intentional used a date 24 days before which makes a difference in rate by 1/8 %. this has changed 8 times already and every time it was on XX/XX/XXXX or XX/XX/XXXX and this time they used XX/XX/XXXX. Nice random date which made me look at it closer. 

This is intentional fraud.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.