davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
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: Fidelity National Information Services, Inc. (FNIS) (NC)

Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
Consumer complaint received 2017-08-22
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: BB&T CORPORATION (NC)

Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendleton Capital Management (MS)

XXXX XXXX left a voicemail with information on my phone at work. I returned his phone call & told him I was not allowed to receive personal calls at work. He assured me that my work # was erased from the system. The following week he called my work again after telling me he would no longer contact me at work. 


He initially told me that the settlement about was {$320.00} & then {$290.00} and when I asked for some kind of documentation he would not mail it to my physical address but would only send it to my email. When I received the email it didnt have the new amount on it. 

I will lose my job if I continue to receive calls at work & id really appreciate it if that would stop.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Noted extremely high late fee on XXXX statement, due date is XXXX of the month most payments were being received between the XXXX and XXXX of the month. Requested to close my account due to this activity. Company processed my account closure on XX/XX/21. The entire account balance was paid off through their website ( comenity.com ) on XX/XX/21. Received XXXX statement and noted a {$2.00} minimum interest fee charged to the account on XX/XX/21. Contacted the company ( XXXX XXXX ) on XX/XX/21 regarding the fee. Was told they could not cancel the charge since the account was closed and that I would continue to be charged late fees and interest if I did not pay. Asked to speak to a supervisor, was placed on hold for over nearly an hour and was told they would waive the {$2.00} fee. Was also informed that even though I made payment through their website I would have to know to click " save on the interest '' to have included that {$2.00} fee in my pay off transaction.
Consumer complaint received 2022-03-24
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. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and XX/XX/2020 were said to have been placed upon rear of loan. In addition to this assertion a payment in excess of the normal payment due was remitted and posted within 28 days of due date during the month of XX/XX/2020. With the understanding that no such payment was due this was to be applied to interest. 

The online portal, mobile app and service representatives advised that this was underway. After seeing it reflect negatively on my credit profile I contacted again and was advised this was human error coaching sense provided. 

They also confirmed on a recorded line in excess of 6 times with CRA 's and myself that this was to be corrected and submitted within 1-2 billing cycles. This assertion was the only reason I continued to give this company my business with my new loan since the loan above has long since been paid off. This correction never came and they have cost me over 7 tradelines, thousands of dollars, years of impact for which I intend to seek every remedy available to me. 

Despite countless calls, emails, letters and many assertions for which many witnesses were present now their executive office is backpedaling saying they won't correct and that reps misspoke how is that my concern as the customer???

At no point prior to this time in question have I ever been late, at no point since have I ever been late to include new loan or any of the other 6 paid off autos in the last decade which is easily verified. I have not been late with any creditor and this company has destroyed my families livelihood. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of these people work for your company some are executives and they advised this was your error.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between Santander consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all 3 bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

I contacted this company XX/XX/XXXX and haven't heard back from them yet. They have yet to respond to my letter disputing these fraudulent debts. I was the victim of identity theft and need to get this fraudulent account removed from my report so I can move forward with my life. I submitted a police report and FTC report to the reporting agencies back in XXXX to XXXX and the CRA 's immediately removed this fraudulent account from my reports. This company attempted to pull one over on me and the CRA 's by re-reporting this account on my consumer file, after the CRA 's deleted it, by making the account seem like it was a different one from the account the CRA 's removed. I've attached the conditional acceptence I sent to their company on XX/XX/XXXX.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

I've been having issues with Community Loan Servicing , LLC ( CLS ) since they took over my mortgage in XX/XX/XXXX. This is my 2nd complaint with this company. I submitted my 1st complain on XX/XX/XXXX. Although CLS sent me a letter confirming the error on my escrow account, the issue still has not been addressed nor have they corrected my account, as my monthly contribution towards my escrow account hasn't been adjusted. I called them multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again, and XX/XX/XXXX. 

Till this day, I continue to speak with the Customer Service representations who have not been helpful, and have regularly been rude, demeaning and questioning my intelligence regarding this matter, as they can not explain why the monthly escrow payment remains the same ( i.e. they're charging {$400.00} more monthly than they should be. ) My annual property taxes are {$8100.00} and home-owners insurance is roughly {$1300.00} totaling about {$9400.00} per year. Due to their errors and continued incompetence, CLS is expecting me to pay a monthly escrow payment of {$1200.00}, which totals {$14000.00}. That's a difference of {$5300.00} per year and {$440.00} per month. 

Another issue that I'm having with CLS is regarding the payoff amount they mailed me. Per my mortgage modification dated XX/XX/XXXX, the payoff amount is {$330000.00} ( which includes delinquent interest totaling {$15000.00} and escrow advance/negative escrows totaling {$8100.00}. ) However, I'm trying to sell my property, and the CLS Customer Service Representatives have reported to me via telephone on XX/XX/XXXX the payoff amount is {$340000.00}. CLS fails to explain the difference in payoff amounts. 

On multiple occasions, my attorney and I have called CLS requesting the payoff amount via e-mail/fax/mail, and sadly CLS fails to provide the documents to us. I have a closing for this property scheduled for XX/XX/XXXX and as of today, I have not received the documents. I requested the payoff documents on-line in XXXX, I called multiple times in XXXX ( so did my attorney ) and we did not receive the documents. 

I'm all out of options at this point with CLS, and would appreciate if my complaint were accepted and given a thorough review. CLS ' business practices and communications with me have been mentally and emotionally draining.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish XXXX shopping. Thanks
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-07-18
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. (FL)

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX XXXX that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX XXXX does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX XXXX, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report immediately.
Consumer complaint received 2022-03-24
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My Chase debit card account XXXX was hacked on XX/XX/XXXX and XXXX. I have {$120.00} limit to trigger a Chase alert on my account. All unauthorized charges made were over {$120.00}. Chase did not put any alerts on my account via text messages on XX/XX/XXXX or XXXX 2022. I have requested all alert messages for XXXX from my local branch in XXXX, Ca and from the Chase fraud protection dept. Response : no alert messages are available.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have two credit cards with Capital One Bank ending with XXXX & XXXX. My debit card was compromised I tried to change to a new card but the company website wouldn't allow me to change. I did an online chat in XXXX, XXXX & XXXX of 2019 & was told I couldn't change payment form via website only thru the app. I don't use the app & have never heard of such a thing. I was forced to download the app but I have a company phone & it blocks certain sites & transactions & isn't for personal use. So I've been forced to continue using a compromised email & debit card. I explained my situation to customer service on two occasions & got no help just a run around.
Consumer complaint received 2022-05-16
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: SYNCHRONY FINANCIAL (TX)

SYNCB/SAMS CLUB Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I do not have an account, nor have I ever applied for an account.
Consumer complaint received 2021-10-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

It's seems XXXX and Equifax continue to have outdated, incorrect and wrong information based on credit scores impact, denied credit and great varience between XXXX and them -- XXXX, here 's your credit snapshot Not Boosted XXXX Learn more XXXX XXXX XX/XX/2021 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts XXXX Inquiries XXXX Try XXXX XXXX credit-boost-image Instantly Boost Your XXXX Score Did you know your credit could benefit from bills you already pay? Try XXXX XXXX today- it's free! 

Looking for new ways to save? 
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Review New Data Improve Your Credit Get Rewarded Protect Your Identity XXXX XXXX XXXX  & reg ; XXXX XXXX & reg ; for Rebuilding Credit Robert, you're pre-approved for an offer from our partner XXXX XXXX XXXXXXXX  
About 90 % odds of approval, subject to final checks
Consumer complaint received 2019-11-20
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. (CA)

XXXX XXXX XXXX Date : XX/XX/2019 I was speaking to a sales representative and i was told he would not run a hard inquiry because I am a current customer. He did run it and admitted he was wrong. They stated they can not remove inquiry ad do not know-how. I have contacted them and spent hours on the phone and no response. Please have them reported and I would like to take legal action if not removed,