davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (NY)

Debt collecting company Halsted Financial Services calls at all hours of the day. When I have answered their calls, they want me to confirm my identity and I refuse to do so unless they tell me what it is they are calling about, which they refuse to do so unless I identify myself first. I have told them numerous times that I will not do so when I do not have any debt with any company and they continue to call morning, day and nighttime.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Bureau did not fix the error on my credit report. They are still reporting inaccurate late payments and violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2017-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.
Consumer complaint received 2021-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX.
Consumer complaint received 2018-05-17
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. (GA)

While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Company reporting fraud account to my credit bureau as accurate when it is an identity theft account. Company started my social security number different than the one they have or pulled for the card. This has been nice by XXXX several time and. This company verfies this account belongs to me but refuse to give any information or produce a 1099 for this fraudulent charge off. Company verifies that my social security number is different than the one they have.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report
Consumer complaint received 2023-01-12
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 open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. 

On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.
Consumer complaint received 2023-01-12
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. (NC)

I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

CITIZENS BANK is retaining {$30000.00} from a check I issue to Mr XXXX XXXX, my carpenter contractor. My bank ( XXXX XXXX  ) negotiated my check and send the money to CITIZENS BANK to pay Mr XXXX XXXX, in XXXX XXXX. I attached photos of check and fotos of my business with EIN. To proof A legal business.
Consumer complaint received 2024-03-06
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. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-01-13
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. (CA)

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 updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX and XX/XX/2017 there was fraudulent activity on an account I cloned with my minor daughter. There were fraudulent checks being written and cashed a file was claimed with the bank the bank in essence denied the claim closed the account and is now taking funds from my personal checking and savings accounts. A police report has been filed claims have been filed and the bank continues to remove funds from my account. My account has been overdrawn I've been charged in NSF fees in addition to being left with negative balance and no money to live on. I have received no assistance from the bank they attempted to return some NSF fees and in turn they turn around and took them right back to recover the debt. The amount in question is {$3000.00} removed from my checking and savings account and an approximate amount of {$400.00} - {$450.00} in NSF fees that were charged to my account leaving me with a negative balance.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

OnXX/XX/XXXX I filed a complaint with XXXX XXXX for supplying inaccurate personal information to XXXX, the company that provides a Mobile banking product to my bank. Because of the inaccurate information, I am unable to access my banking accounts through mobile banking because through their stepped up authentication process I can not answer their questions correctly because of the inaccurate information they provided. After multiple calls to Lexis Nexis I finally received a written report with their compilation of public record and non public record on XX/XX/XXXX. I called Lexis Nexis today to ask them to remove the inaccurate information and they refused. I called the number published on the report ( XXXX ) XXXX-XXXX and spoke with XXXX. This is causing me consumer harm as I can not access my accounts through mobile banking, nor make mobile deposits. One of the accounts I have is a rewards checking account that requires me to log on once per month. If I am traveling without access to a computer I can not meet the account product requirements because I can not used my mobile phone to log on..
Consumer complaint received 2023-01-12
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: CBC Companies, Inc. (GA)

XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.
Consumer complaint received 2022-10-06
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)

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 any item 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 Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Please open attachment below : XXXX XXXX for narratives for STEPS THREE, FOUR, & FIVE Please open attachment below : XXXX for the documents that provide evidence to support the narrative.

Please refer to the Cover Page, Page 01 of the XXXX to provide titles and page numbers for the supporting evidence.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit reports and it shows inaccurate public information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MA)

Santander consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from Santander that show account was paid before the due date. This is not the first time Santander has falsely reported information to the credit bureaus
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Had a mortgage with XXXX. No escrow. Property was rezoned to require flood insurance. Purchased same as directed and have maintained policy to XXXX 's satisfaction. No issues, no problems, no escrow. Mortgage was sold by XXXX to new company called The Money Source, or XXXX. XXXX has now told me that my own policy for flood does not fit with or comply with their parameters and that they will need to establishment an escrow account for my property, which never existed under my previous lender. I've been told this is not legal for the new mortgage company to enforce. Please advise!
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harr Imports Inc (MA)

I consumer XXXX XXXX XXXX entered into a consumer credit transaction with Harr Toyota Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Harr Toyota Inc took cash. The finance charge is supposed to include insurance, but harr Toyota made me purchase insurance separately. Harr Toyota is therefore criminally liable pursuant to 15 USC 1611.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable XXXX XXXX XXXX XXXX XXXX XXXX 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2022-10-06
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Open Date XX/XX/2017 Balance : {$6400.00}
Consumer complaint received 2021-07-22
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: Experian Information Solutions Inc. (FL)

MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.
Consumer complaint received 2019-05-05
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (CT)

Hello, I applied for a student loan refinance through SoFi on XX/XX/2019. I was denied but the concern lies with the language used in their rejection statement and support from their chat support. 

SoFi Auto Response : " We encourage you to apply again if your situation changes at a later date. Examples include getting a promotion, starting a new job, graduating from school, paying down other debt, relocating to a new area, or earning a new degree. '' They didn't clarify " my situation '' so there's no view into what would need to change, but they actually state " relocating to a new area '' which is redlining. Is that still legal? 

I used the SoFi chat function to ask for a 2nd look at my situation. The rep, XXXX ( that's not a typo, that's the name ), said that I could call them up but the response would be the same. I explained that on paper my situation doesn't look great, but would like to know if they do 2nd looks. 

XXXX said they have minimum eligibility criteria and if I don't meet them then they can not allow me to proceed. The claim was this is a fair lending practice since they can not treat clients differently.

SoFi directly communicate they do not practice fair lending. If SoFi really did want to be fair to customers they would do a 2nd look to see if their algorithm missed an opportunity to lend to someone. I work for a bank and we all know the system doesn't always see the whole picture. 

The other issue in their response is " earning a new degree ''. If I'm already in debt from an XXXX degree and I'm declined for a refinance, how would additional debt for a 2nd degree put me in a better financial situation? This is an irresponsible response to potential customers.

SoFi should be clear as to why customers are rejected, and SoFi should be investigated for redlining.