davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (CA)

XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Onemain Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

This all started on XX/XX/21 a Monday. I went into Chase Bank in XXXX, Ohio to deposit a " cashiers check '' into my savings account the check was for {$9900.00}. I have been doing business with them for over 55 years and I am XXXX XXXX XXXX. You choose a bank to take care of your money plus take care of you as you get old. When I got to the teller, I told her I was skeptical and concerned about the the check and to look it over good to make sure it was good, being out of state and everything. She said '' IT LOOKS GOOD AND ONLY LOOKS DIFFERENT BECAUSE IT IS FROM ANOTHER STATE AND SHE WOULD GO AHEAD AND DEPOSIT IT. SHE SAID IT WILL APPEAR AS PENDING ON YOUR STATEMENT AT FIRST, BUT WHEN IT SHOWS IN YOUR BALANCE THE CHECK WILL HAVE " CLEARED ''!! I watched my statement on the computer and it did appear as pending and then the next day it appeared as part of my balance. So going by what I was told the check cleared. Being it was a " cashiers check '' and what the teller told me I felt the bank knew what it had told me. I went on to conduct business knowing that the bank said the check had cleared. As it turns out the check bounced and I got skamed out of {$5300.00}!!!! Now I want my money back, because the bank told me the check was good and they have a obligation to older citizens to protect them especially after I told them I was suspicious and concerned about the check!! This all happened from XXXX Chase Bank refuses to do anything and it all was their fault!!
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

My Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC (FL)

While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I paid off a loan with First third bank back in around a year and some months, verified with reps at the bank, call them a couple times, they claimed because the pandemic situation will take longer for me to get the title then after all this time they start to call me every day leaving messages that I still have an outstanding balance of around {$170.00}, so I call them I dispute this situation, asking me to wait for 10 days in order for them to do an investigation, harassing phone calls still taking place, asked to do not call, they said that they wont stop, finally today a collector before I paid him, told me that he will remove my number, this put my job in jeopardy, again today after I paid they can tell me when I will get my title, this is fraud!!!!!
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (WA)

I submitted a refinance application with Guild Mortgage who holds my current mortgage to lower my interest rate on XX/XX/XXXX. They made multiple errors in calculating my XXXX which I went over with the loan officer, XXXX XXXX, on XXXX. He agreed there were multiple errors and my XXXX was actually very low. I called him on or around XX/XX/XXXX because I has still not heard back and he told me I now had to submit XXXX tax return because we had gone into the new year even though it was too early in the year to have that return done. I complained to their corporate dept on or around XX/XX/XXXX. They officially rejected the loan XX/XX/XXXX based on these errors. I again complained about their decision as soon as I received their determination XX/XX/XXXX. I followed up multiple times with Guild, including communication with XXXX XXXX. I still have not been able to go over the loan errors with anyone and have them reverse their decision.
Consumer complaint received 2015-10-30
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: United PanAm Financial Corp. (IN)

While I 'm at work XXXX of my co-workers have received calls from United Auto Creditors. The number is private when incoming. The name given was XXXX. He called XXXX in one day. He called on XXXX XXXX, 2015. He spoke to XXXX different co-workers. 
He requested personal information from them regarding me. My company does not allow personal calls unless an emergency. He stated to both co-workers that this was an emergency. United Auto Creditors have been told numerous times to not call my job and it has gotten worse. My boss has been notified of this by my co-workers since they stated the caller seemed strange and attempted to get personal information about me.
Consumer complaint received 2023-04-15
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. (MO)

This is a Follow up complaint to the previous Complaint I submitted. Once again, I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} 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 I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have tried to repeatedly to register with Equifax for their " trusted id '' credit monitoring and to freeze my account. I have repeatedly gotten notices to activate the services and repeated gotten error or system unavailable messages when I follow their instructions for activation and freezing.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Contacted company and I have unauthorized inquires from companies Inquires areXXXX 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 listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have tried multiple times to request that Capital One Auto finance send me where I gave consent to them in writing or opted in for them to share my information with any non-affiliated third parties per their privacy policy. The Graham Leach Bailey act states that non-public information may not be shared by financial institutions without the consumer opting in, it also states that the consumer must be given the opportunity to opt out and given instructions on how to opt out. I was not given that opportunity and this is a violation of my rights. I demand this account not be shared with non-affiliated third parties unless Capital One Auto Finance provide me with the proof that i agreed in writing to opt into this reporting.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Unauthorized inquiries on transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

In XX/XX/2018 I received a collection notice from XXXX acting on behalf of paypal as a creditor. It is a charge for {$27.00} for a debt incurred by someone else who is operating a paypal account in my name. After much back and forth I finally got to talk to a paypal expert. He said that there were dozens of fraudulent accounts in my name. All you need to set up a fake account is my SSN and mothers maiden name. He didn't dispute this charge was fake since it was listed to a bogus email account XXXX. But he stated that paypal was not responsible since the thieves did not steal the SSN information from them. " It was my problem ''. I never received a follow up from paypal, but also no more notices. 

Until XX/XX/XXXX when I received a new notice from XXXX XXXX XXXX ( for a different debt ) I feel Paypal is responsible for doing proper due diligence on the folks that open up accounts.Pretty much everybody 's SSN is stolen so that is not an excuse.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting Act.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (TX)

This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.
Consumer complaint received 2024-01-27
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-09-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

i was at the end of lease on my nissan infiniti is denying me credit. they have false information on my credit report. they said i have public records, which on do not. they said in 2018 i had five payments that were late. i went to adirondack bank in little falls ny and the manager a got a print out of the thirty six month schedule, not one payment was  late. i sent copies of the true documentation to nissan infiniti and XXXX. not one thing has been done to correct this false and agregeous action by either agency or corporation. 
this is a total lie and defamation on me .the bank statement clearly shows each payment was on schedule most payments were taking out of my banking account.nissan reports are not the same months as XXXX.which show major discreptions. this is totally unacceptable to do do to any consumer. my credit score is being destroyed.i think that XXXX is very biased on this matter.companies should not be able to put false information on any ones credit report with out severe repucusions
Consumer complaint received 2016-05-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

in 2008 we had a stock portfolio with Bank of America and a financial advisor from the bank as the portfolio had over {$800000.00} in it. When the market was crashing I was told that a claws in the contract said if the funds drop below {$500000.00} the stocks would need to be restructured and sold. Our Adviser waited until the stocks had fell below {$250000.00} costing us over {$250000.00} dollars. I never filled a complaint because I felt I couldm't win against a big bank. But they stole {$250000.00} of our money by not calling us in time. I was fored to sell in a down market, is there anything I can do to recover what Bnak of America stole from us? 
Thank you, XXXX XXXX
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citi checking account over the phone and I supplied a bonus code that made me eligible for a {$400.00} bonus if I deposit $ XXXX and left it in the account for 30 days. I deposited the $ XXXX on XXXX XXXX XXXX. So on XXXX XXXX XXXX I fulfilled the requirements for the bonus. The terms say that the bonus should post 90 days after the requirements have been completed. So I should have received the bonus 90 days after XXXX XXXX XXXX, which is XXXX XXXX XXXX. It is over a weeks since that date and the bonus has not yet posted. I have been back and forth emailing and calling them to no avail. I have an email confirming that I fulfilled the bonus and that the bonus should post by XXXX XXXX XXXX. However, even showing them this email they have to said they need to launch an 'investigation ' which will take up to 30 days. I do n't see why they need to investigate anything when I already have an email from them saying that I have fulfilled the bonus and should receive payment.
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

Hi there, I 'd signed up for a Citibank Citigold account after confirming with a representative by phone that I was eligible to receive their promotional XXXX XXXX XXXX AAdvantage miles after, in the first 60 days, making {$1000.00} in debit card purchases and 1 or more bill payments for two consecutive months. 

After completing these requirements, I was told 3 months later that I was actually not eligible for the promotion. I have followed up numerous times, only to be told every time that the promised promotion would not be honored. In the meantime, I was also assessed ( 3 ) $ XXXX monthly fees just for having the account open. The promotion was what drew me to the account and I had no interest in it had I known it would not be honored. 

Thanks for your help, CPFB! 

XXXX
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (DE)

This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an  account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report.