davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (TX)

Account XXXX Account numbeXXXX XXXX  Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account Number XXXX Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXXXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX  Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (ME)

On XX/XX/19 I received an email Rocket Loans informing me that I have " Exclusive Offers. '' Shortly after submitting my application on the company 's website I received a response stating I was denied the loan. on XX/XX/19 I replied to the email requesting an explanation as to why I keep receiving offers to apply for the loan. I received a response from Rocket Loans Support stating the company uses an automated system and their decisions are based on credit reports and my income. I responded to that email by pointing out that the company unscrupulously soliciting business by misleading me, and I'm sure other consumers, into believing that I was qualified for a loan. On XX/XX/19 I received an email from XXXX XXXX, VP, Sales, informing me at all of the appropriate disclosures are at the bottom of the original email. As you can see in the attachment, the company clearly highlights the suggestion that one sees their respective offers before reviewing any disclosures. 
On XX/XX/19 I received two more offers from Rocket Loans, only a few hours apart. Clearly Mr. XXXX ' response is disingenuous.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX are reporting inquiries that I did not authorize and dont recognize. The below inquiries need to be immediately deleted from my consumer report. 

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 XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2023-07-01
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: Westlake Services, LLC (LA)

I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.
Consumer complaint received 2022-01-25
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. (FL)

I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening  and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX )
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I'm trying to unfreeze my credit report with Experian and they asked me to send all my sensitive data via regular mail ( Copy of driver license, SSN card, utility bills and bank account statement ). 
I mailed all this sensitive information about 8 weeks ago and no reply. 
I sent them another request via regular mail and no reply. 
Over the website it is not possible to unfreeze the credit because they say the PIN is wrong ( Which I don't think so ), customer support doesn't exist, only automated answers. 
Not sure if now someone has my personal data and I'm further exposed to identity theft. 
It is not possible to reach anybody over the phone or email, only automatic system that keep saying to send again the above sensitive data via regular mail. 
I consider this way of operating unfair and dangerous to the security of the users. 
I'm stuck with my credit frozen and I don't know how to reach someone for help.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One approved me for a MC Credit Card of XXXX in XXXX my credit is valid until XXXX. 
Capital One violated the terms of the our agreement by electronic false amounts and incorrect statements of what I owed to 3 credit reporting agencies. 
Debt Collection Violations by adding late payments and other incorrect amounts- raising and reporting my balance above my credit limit for months. I called and wrote Capital One and they agreed the amounts were incorrect in writing but continued to report the balances unto XX/XX/XXXX causing my credit score to decrease while attempting to collect debts I never owed. Capital One refuses to update their errors and mistakes while demanding I pay the XXXX. There was no investigation after I disputed the amount in writing XX/XX/XXXX for months. 
Although I called the Representative also they reported a debt and balance I never owed while paying my credit card on time. 
I'm one of the customers also affected by the data breach which we spoke about but it seemed to anger XXXX.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reliant Capital Solutions, LLC (TN)

On XX/XX/2020, sometime before XXXX XXXX, XXXX XXXX called not only my employer, but the office of the Director at my place of employment for the city of   XXXX on behalf of Reliant Capital Solutions. She did not call with questions attempting to identify my location. This company is not the original debt owner. She identified her employer without being asked. My place of employment does not allow personal calls at work. It prohibits personal calls on work time. I was notified via an official email from my Director 's personal assistant. I do not wish the stress caused by this blatant invasion on privacy and violation of the FDCPA amongst other violations. If I lose my job, I will surely sue for lost wages.This account is not even reported on my credit report. I have not ever received any written documentation from this company prior to the escalation of calling the Top office for the company I work for. This is blatant harrassment! An official cease and desist letter has been sent.
Consumer complaint received 2022-01-26
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. (IL)

i am distressed and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/XXXX, I was transferring funds from one account to another using debit cards for banks when I accidentally gave my Chase card to teller, she ran the transaction and we inadvertently took a cash advance for {$1000.00}. I realized the mistake immediately, and within one hour we deposited {$1800.00} on that same card WITHIN the hour. The {$1800.00} was the total amount showing on line for that card at atet time. I also called the bank to let them know I made a mistake. we were charged {$50.00} for the transaction fee and not one but TWO interest charges on this transaction, please see statements. We had never left a balance on this ( or any other ) card before, this was obviously a mistake, and yet they refused to do anything about it, their response was to charge us yet another interest charge. Basically, their fees and charges for the accidental use of their {$1000.00} for one hour would embarrass a loan shark. Please see attached statements. Not that it matters, but the account the money was moved into held $ XXXX, we did not need to " borrow '' {$1000.00} for one hour. We have closed this account, and while unfortunately we have two other cards with Chase which we need for their connections to other businesses we have no intention of using these cards for anything other than their connections
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

It appears my monthly mortgage payments are applied to another account, ( we both have the same credit union and the same mortgage company ) not all of my 16 monthly payments, not all of my added principal, not all of my paid late fees have all been applied to my account. I can not confirm that my loan actually exists. The first time i phoned the customer service 800-line,  the operator said my loan " does not exist ''. The last time i logged on to their website, the screen froze for over 30-minutes. Then they sent me a bogus mortgage payment history. Cashiers checks mailed certified mail, and or XXXX XXXX overnight mail confirmation receipts appear to be fake. ( I see one signature, the the post office employee gives me a receipt with a different signature ). One lump sum cashiers check I endorsed in XX/XX/2019 to include my property address along with my signature, the bank stamped covering over my property address. leaving the entire bottom portion that is designated for bank use only blank. I asked my credit union, they said it's okay. In XX/XX/2019 the post office claimed to have mailed my mortgage payment to the wrong state, I had to replace and resend that payment while that lost payment containing all of my banking details was never located. Each time I speak with the customer service person at the loan office, I get different balances, different payment history. I finally got one customer service person to send me a payment history, just to find out that the money amounts quoted in that document do not come close to the total amount of Cashiers checks and electronic payments I have paid to date. Before I have electronic payments taken from my salary monthly, I need to confirm that my payments are being deducted from my balance. Not being split with another account, not being completely redirected to another account.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (CA)

The company Holloway Credit Solutions located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Al, XXXX reported a bill on my credit report without contacting me. 
They have my correct phone number and mailing address. I only found out about the debt after reviewing my credit report. 
I think this is a tactic they use to get people to call them. The medical bill is so old now that it can not be disputed using my insurance which I had at the time of service. They need to contact before reporting to credit agency.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to XXXX XXXX XXXX account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citibank was offering a Citi Flex-Pay Option on eligible purchases. This included a fixed 5.99 % APR for 24 months on eligible purchases. I recently made a large purchase and wanted to take advantage of this low APR. The purchase was made on XX/XX/2020. On XX/XX/XXXX, I contacted Citibank and was told I needed to wait for my next billing cycle to close to apply this offer. On XXXX, I contacted Citibank again to apply the flex pay option to my purchase. I was told by the customer service associate that this purchase did not qualify. He was unable to tell me why it did not qualify and a supervisor would reach out to me by XX/XX/XXXX to discuss the matter further. Based on the criteria outlined in this offer, the purchase I made qualified for this offer. No one from Citibank reached back out to me. I called Citibank again in the evening of XX/XX/XXXX. Again, I was told this purchase does not qualify and was not given a reason why. I was then transferred to a supervisor. After explaining the situation, the customer service supervisor told me that there is no specific reason as to why this purchase does not qualify. After being put a brief hold, the supervisor told me that Citibank has the right refuse this offer on any purchase it deems not eligible and this purchase fell in that category. After further discussion with supervisor, he confirmed that Citibank will not let me use this promotional flex-pay option on this purchase
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D. SCOTT CARRUTHERS (CA)

I have attempted to contact XXXX  XXXX, not XXXX, and not D Scott Carruthers, a law firm, to contest the amount they say I owe for a personal loan through the original creditor XXXX. I have tried to get a response from XXXX XXXX directly to resolve my account. I am forced and rerouted to speak with XXXX XXXX who works at the law firm D Scott Carruthers to accept their amount of {$20000.00} as the amount I owe. I have contested this amount and asked to pay a settlement close to the amount that still appears on my credit report of {$3100.00}. In good faith, I have paid more than {$1100.00} at their demand to enter into any paid agreement, and they required $ XXXX  monthly as the only option to pay off the loan. I am unable to pay $ XXXX  monthly so they have declined all together to make arrangements with me as they continue to add interest 300 % more than the original loan. I am asking to set up a monthly amount of {$200.00} and a settlement equal to or near the original debt. They are not budging. They called me two weeks ago and I requested the same amount, and they said they would get back, but I have not yet been able to reach an agreement while the interest they claim is rightfully there's is accruing. I need help in getting a reasonable settlement with a monthly payment that I can pay. Why I am forced into an agreement with lawyers instead of the debt collector XXXX XXXX is also concerning. XXXX XXXX has not reported the the credit bureau any payments made in the amount of {$1100.00} to my account. Nor have they stated the amount of the debt owed. There aren't any trade lines with the amount I owe, as they accrue interest by withholding an a reasonable payment agreement. They aren't being transparent in my view. They would rather not make an agreement in your presence, but I need a reasonable agreement before they sue me for {$20000.00}. I need an agreement right away to stop this interest rampage. Please help.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have reached out to both XXXX XXXX XXXX XXXX and Equifax to correct the status and reporting history of a previous XXXX account. XXXX is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from XXXX that the account was indeed charged off on XX/XX/16 and provided this to Equifax. Equifax is stating that when presenting this documentation to XXXX, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX