davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Two accounts were opened and used to make and receive fraudulant transactions. 

XXXX XXXX about {$700.00} XXXX XXXX  XXXX about {$90.00} My identifying information was stolen by XXXX XXXX and XXXX XXXX who were both convicted of Fraud and Theft. They assumed my identity to open accounts and make payments as if they were me.
Consumer complaint received 2019-10-23
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. (UT)

I do not understand why Experian is still in business. I have lost the purchase of an automobile last XXXX because No One could reach them by phone to remove credit freeze. I have filed complaints and have written letters to Experian sending them required documents to have freeze removed. They sent me a reply that said per your request we have extended your freeze another year. This made me very angry. They did opposite of what I asked
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30 a llowable days.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Last week, I see Derogatory marks on my credit profile came from Sunrise credit services for XXXX creditor services. 

Tried contacting XXXX XXXX XXXX support several times in past 2 days with different support persons/teams and they confirmed there is no active or outstanding amount pending with me. 
Visited XXXX XXXX XXXX corporate office ( XXXX XXXX XXXX, NJ ) and they confirmed there is no open account on my name/SSN which confirms there is no due on me. Currently, XXXX XXXX XXXX XXXX line is owned by the business and before I move to the business line, my earlier account was closed and I have email confirmation for the same. 
Since i overpaid for that account so XXXX XXXX XXXX refunded me the money via a GIFT card ( XX/XX/XXXX ) which confirms there is no due. 

Finally, I finally called Sunrise credit services on Monday ( XX/XX/XXXX ) to investigate which account had dues so I can provide the details to XXXX and clarify. 
Since they couldn't find anything due on my name/address/SSN. 

Also, asked them did they contacted me via email/mail before they reported debt on my credit report with Derogatory remarks. 
They told me several mail notices were sent on XXXX XXXX XXXX XXXX, XXXX NJ, XXXX. I told the agency that its not my address and this is not even a valid address. 
Plus, there is no email address on the collection due Account. 
Since i was never notified of any due or neither I have any open account with them so its clear case of fraud committed by XXXX XXXX XXXX using my identity. 
As a result, they opened a Fraud against XXXX ( waiting for the fraud package to arrive ) I would request you to please help investigate this issue and help restore my impacted credit history.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC (IL)

I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased two money orders from XXXX XXXX to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted XXXX XXXX and they traced the money orders. Both money orders, one for {$1000.00} and one for {$340.00} had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. XXXX XXXX paid me back for the {$340.00}, but said the bank that had cashed the check, Capital One, never responded to their request to refund the money. XXXX XXXX says there is nothing else they can do.
Consumer complaint received 2020-05-28
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX XXXX  is still appearing on my Transunion, XXXX, and XXXX   credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however Transunion , XXXX  , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Consumer complaint received 2017-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (CA)

I have as ked Central Credit Services to not contact me via telephone and send all correspondences through the mail. Th ey continue to harass me by phone every single day, several times a day, to collect on a supposed debt.     I have also as ked Central Credit Service s  ( three se parate times now ) to provide me with proof of debt, but no such proof has ever been mailed to me. They continue to call without providing any debt validation and they continue to harass me when I have asked them several times to not contact me via phone.     The first time I call ed Central Credit Services to ask fo r proof of debt in the beginning of this year, the female representative who refused to give me her name used obscene language and told me, " I do n't give a  XXXX  what you say   XXXX  , you owe this money. '' For these reasons and more, I belie ve Central Credit Services is  attempting to collect a debt that does not exist given that they are unable to provide me with proof of debt and refuse to follow FTC protocol and industry standards.
Consumer complaint received 2015-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NE)

We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (VA)

I applied for rental with XXXX at XXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact XXXX rent and ask for a copy of the consumer report used. XXXX did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from Equifax. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. Criminal has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. Equifax informed me they have my accurate consumer information so the mistake is on XXXX. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using XXXX.
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (TX)

I received an alert from my credit monitoring company that a new credit card was issued in my name from XXXX. I have never applied for, nor received any credit from them. I have contacted them 6 times to resolve this issue, and have had to open several fraud cases that have been closed without them even contacting me. They said they sent me an affidavit in the mail, but I never received anything. I asked them to confirm my address, and they did. Asked them to send another one 3 TIMES! When I didnt receive any of them, I asked them to send it certified mail, but they said they ONLY use regular mail ( how convenient ) and that I can not download it from the website. My last call was on XX/XX/XXXX and I was told that I didnt need to worry about it, and that they would take care of it. On XX/XX/XXXX I received an alert from my credit monitoring company saying that I had an account that was past due. I filed disputes with the credit reporting agencies, and am going to file suit in small claims court if this is not resolved by and of month.
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (IL)

These inquires below are not mines. some have been deleted in the past. 
Inquiry details XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXXAutomobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XX/XX/XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX  Miscellaneous Reptg. Agencies
Consumer complaint received 2017-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}.
I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

I contacted TD Bank 3 times today due to bank error fees I have received on my checking and savings. I was able to resolve the first issue with the first supervisor at approximately XXXX on XX/XX/XXXX. I also recorded our conversation in which XXXX reassured me that I would not receive an NSF fee because I was in - {$9.00} short after the check payment of {$270.00} came out of my account. 

However, the {$270.00} was processed and posted on XX/XX/XXXX at XXXX yestersday morning. But TD Bank reservsed this ACH payment that was already processed just to pay a gas station charge of {$55.00} that came in for processing at XXXX on XX/XX/XXXX. I have a problem with how they are processing these payments and not showing an ledger on my transaction history and on the app which is supposed to show these transactions in real time. When I logged in this morning my balance changed from approx. {$580.00} to {$890.00} within 5 to 10 minutes after the supervisor XXXX reversed my NSF fee of {$35.00}. This means that TD Bank refused to pay a ACH debit that was already processed and posted yestersday at XXXX on XX/XX/XXXX. Due to a bank error that was caused by them because there is more than enough funds to cover this payment. And if there wasn't enough funds to cover one of my transactions that does not give TD Bank the right to reverse a payment the was already processed and posted to pay a pending that came in afterwards. 

This is an accounting nightmare which makes it hard to balance my account and avoid any unnecessary bank fees. There were other pending charges that was paid first when they was charge after the ACH debit was processed. Therefore, this payment should have be paid and not reverse after the payment on XX/XX/XXXX and it's still showing posted today on XX/XX/XXXX. When I called a third time today about this issue 10 minutes after I just got of the phone with the supervisor XXXX. I was transferred to another supvisor that tried to convince me that their accounting is correct. The excuse she gave me, is because I opted out of their overdraft program. 

Which does not have anything to do with how and when payments are being processed. I have proof based on my ledger that TD bank had no reason to reversed a payment that was already processed and is showing posted. 

Due to TD Bank error not to push this ACH debit through today. I will most likely receive a return check NSF fee from my property management office, and a {$35.00} NSF fee from TD Bank. 

I am requesting a record be provided to CFPB to show when each of my transactions was processed and posted as of XX/XX/XXXX until XXXXXXXX XXXX  XX/XX/XXXX. These are the same shady tactics that caused them to be in violation in XXXX. 

This bank needs to be thoroughly investigated, and their accounting records audit. 

Thank you
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (AZ)

Contacted XXXX XXXX in XX/XX/XXXX/XX/XX/2017 to settle debt I had outstanding. Came to agreement to pay less than full balance to settle debt owed. Made 4 payments : XX/XX/17 : {$400.00}, XX/XX/17 : {$590.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00}, XX/XX/17 : {$490.00} totaling {$2400.00} with the agreement this would settle the debt owed. Comenity bank breached our contract and sold the debt to another 3rd party in XX/XX/XXXX.
Consumer complaint received 2021-03-28
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. (CT)

Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and XXXX XXXX is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Hello, I received a copy of Equifax report # XXXX I noticed inquiries on my report past the two year date. XXXX XXXX XX/XX/2017 & XXXX/XXXX the rep claimed she does not see it. So I am filing a complaint to have this invalid data removed.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Im writing in regards to XXXX, EQUIFAX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Consumer complaint received 2017-06-02
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: JPMORGAN CHASE & CO. (GA)

Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my credit report I found that there were numerous significant errors. This has been badly affecting my mental health and in turn is affecting my everyday life. This is a gross misrepresentation of my credit and it is having an incredibly significant impact on me monetarily, on top of these errors there is the misrepresentation of my identity which is causing verification issues and fear of fraud.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

As apparent retribution for whistle-blowing on FedLoan Servicing 's illegal practices, FedLoan Servicing raised my interest rate from 7.25 to 7.50 % without explanation or notice.
Consumer complaint received 2017-06-02
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. (TX)

I received a letter from   XXXX   XXXX   around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
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Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC.