davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?
Consumer complaint received 2021-12-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Florida governor has made a referral to the Florida Department of Revenue for possible tax fraud. The Florida Department of revenue is out millions on intangible & stamps taxes since 2008. Lenders have been evading taxes due on the loan modification increase in the billions nationwide. This is the biggest tax evasion scam ever by financial institutions, Select portfolio is one of them. When regulators walk into your places of business and ask to see your loan modification files from 2008 and forward I know we are going to find jackpot. BTW, if you record the loan modification the FBI will come after you for public corruption. you illegally recorded the loan modification on an unrelated case and the matter is being investigated. XXXX XXXX not accept loan modifications not notarized, why? because they required the original notarization. The loan mod reflects it was not notarized therefore you are barred from recoding it. Select portfolio you are a fraud and should not be in business.
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC (WI)

XXXX was never authorized to force a checkcard payment on the date the loan was due nor were they authorized to process a checkcard payment for the subscription fee. They were only authorized to withdraw the money from my checking account via XXXX. The debit card was only authorized as a method to receive funds borrowed. 

You can only contact them via chat which I tried several times with no response.
Consumer complaint received 2021-12-14
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. (MD)

Every month Since XX/XX/2021 I have disputed inaccurate public record information and transunion either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Transunion never investigated the data they placed on my personal report thats completely harmed and hindered my well being and my childrens well being. So, I did their job for them. I investigated and attached is proof that Transunion has violated me for years and Congress states I am owed damages. No courts disclose information
Consumer complaint received 2021-12-14
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: Santander Consumer USA Holdings Inc. (MO)

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and Santander was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Consumer complaint received 2023-09-09
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. (IL)

I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (SC)

I Checked my credit like I always and looked and seen that there was inquiries on my credit that I didn't authorize so I emailed the company and they said I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for reason like this because I know somebody used my identity and it wasn't me
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I am complaining against Kraken, a Registered E-Money Service Provider, for misconduct that manifested in the breach of duty of care. On or about XX/XX/2019, I entered into an investment contract with XXXX XXXX using my XXXX XXXX XXXX account to transfer XXXX XXXX. I transferred my hard-earned money under the instructions of the fraudsters, thinking that I am engaging a legitimate investment firm, however, XXXX XXXX have taken my funds and failed to repay the money to me upon request. Enclosed you will find a letter with detailed information about my case.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (SC)

They constantly call from different numbers and when I dont answer they dont leave voice messages, the text me all types of morning and night trying to deceive me to clicking on a link via text. Someone by the name of XXXX emails me multiple times a day. Its really harassment.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

As a result of trying to apply for a vehicle loan with XXXX XXXX XXXX  in Massachusetts, they ran my credit with multiple lenders without my approval as a way to get the sale by offering me a better rate than what they may have received from the accepted lender which was XXXX  XXXX. 
It show my credit was ran by XXXX comany XXXX times in XXXX day under XXXX minutes on all bureaus. 
These are inquiries : XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- -XXXX XXXX XXXX XXXX -- -- -- Toyota Motor credit co XXXX -- XXXX -- -- -- XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-26
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: Paypal Holdings, Inc (IN)

On XX/XX/XXXX, XXXX charged by PayPal account {$72.00} for a membership. I have never had a paid membership with XXXX and I have no idea how they ever received my Paypal information. I contacted Paypal to dispute the charge. However, Paypal said the charge was valid and if I wanted to dispute it, send a letter to their XXXX, NE dispute /unauthorized access appeal address in which I have written them twice with the last XXXX being on XX/XX/XXXX and still have received no response. To date, they have failed to produce the documentation to substantiate the validity of the charge from XXXX which was fraudulently obtained or tell me how XXXX obtained my Paypal account information, again fraudulently. 
XXXX  has finally sent me an email that they will cancel my membership on XX/XX/XXXX but they are not refunding my money.
Consumer complaint received 2022-12-16
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. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX XXXX EXPERIAN JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX XXXX EXPERIAN CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
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: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/2024 Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
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. (PA)

I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/2015 Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (IN)

I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Consumer complaint received 2022-10-11
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2021, i sent letters to transunion and XXXX  about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX.these negative items are stopping me from getting a home and car, plus added stress causing me to go to the doctor more for medication
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

I spoke with PNC Bank today, XXXX XXXX. My problem is with the escrow account. I am exempt from property tax for XXXX and XXXX. My current escrow balance is {$1500.00} and I have been paying an escrow shortage of {$11.00} since XX/XX/XXXX. They have escrowed money to pay a tax bill that I don't owe, and yet they will not refund me the unused portion. Also my next payment due XXXX first still shows a full amount for property tax and the {$11.00} escrow shortage. I don't think it's fair to keep my money and not send me a refund, and I don't want to keep paying for an escrow shortage that does not exist.