davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (FL)

In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, and Child Support Enforcement # XXXX have 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.
Consumer complaint received 2018-04-03
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. (SC)

I sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have paid all of my escrow payments to my lender ( Lakeview Loan Services ) however, they missed paying my taxes that were due in XX/XX/XXXX and my home insurance due XX/XX/XXXX, I discovered they failed to make these payments even though they had more than enough to make these payments in my impound escrow account in early XX/XX/XXXX when my home insurance company contacted me the if I failed to pay they were going to drop my insurance and a day later when my lender sent me a letter that if I failed to pay the insurance they would purchase higher cost insurance. Mind you they were supposed to pay this payment in XX/XX/XXXX. 

I paid my insurance and contacted my lender early XX/XX/XXXX about both issues and was told they would fix and pay me back. Later XXXX I noticed they still have not paid either the taxes or return my insurance payment I contacted them again and spoke to a supervisor, yet nothing was done. At the end of XXXX I contacted their insurance section which they finally paid my insurance ( not to me, but to my insurance carrier ) on XX/XX/XXXX, and transferred me to to a supervisor to pay my taxes. They told me since I was thinking about refi the loan ( with their company ) that I had to send a request to remove the " Netted Payout '' hold even though I stopped the refi back in XX/XX/XXXX. I complied on that day XXXX XX/XX/XXXX ) however they still did not pay my taxes. Again I contacted them on XX/XX/XXXX and talked to another supervisor who said they would look into it XX/XX/XXXX saying they could not take anything out of escrow, yet they could take funds out of my escrow for the insurance. Does not make sense but that is what they said. 

As of today XX/XX/XXXX they still have not paid my taxes or the fines and late fees. My next tax payment is due in XX/XX/XXXX.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I dont know what this exactly is. I tried to open an account and got report from XXXX and Bank of America Missouri came up with an account that was reported for suspected fraud on XX/XX/XXXX. It further states that all amounts have been paid in full and closed on XX/XX/XXXX. I have not been in Missouri for almost 10 years. My Ex Wife lives there and dont know if she tried to open something. 

Bank of America Missouri XXXX. XXXX XXXX XXXX XXXX, MO XXXX RTN : XXXX Acct : ending XXXX Amount {$3400.00} Closure Status : Paid in Full I have never had any accounts with Bank of America during this time nor was I living in Missouri and am currently dealing with someone stealing my identity in XX/XX/XXXX. I have other accounts that were opened and was incarcerated in XX/XX/XXXX until XX/XX/XXXX. 
How can I have this removed so I can open a checking account? 
There is not any number to call or anything regarding this. Please Advise Thanks
Consumer complaint received 2023-01-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (TX)

In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license XXXX XXXX XXXX per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the lien. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MT)

When applying for the card, terms were indicative of a general use credit card. Points were earned at a certain rate for in-store purchases and a different rate for outside store purchases. I was approved and received my card two weeks later. When attempting to use the card at a grocery store, it said the card was declined. Upon contacting customer service via secure messages through their website, I was informed the card I received was only for in store purchases. When I called to cancel due to this issue, I asked about this issue and the customer service representative told me that if you do not qualify for the one that can be used outside the store, you will automatically be sent the instore only card. I never received documentation I did not qualify for the original offer ( no adverse action notice ). I was never told I was receiving something different than the offer I signed up for ( no counter-offer ). I was just sent the different card.
Consumer complaint received 2023-01-27
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. (NV)

I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2018-04-03
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: Credit Karma (FL)

XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

Hi Im XXXX XXXX, Im writing this because a few days ago, I was on XXXX and the scammer was selling a XXXX XXXX logo Sweatshirt for XXXX US dollars. I was really excited about getting this sweatshirt which was like the holy grail of all XXXX for a great price. When I bought it and checked out He sent a refund and said I dont like XXXX, lets use the XXXX app instead so I went over to the XXXX  app and tried sending the XXXX dollars to him and I kept getting declined so I told him I couldnt use the XXXX app because theres problems with my card. I called my bank Wells Fargo and asked them if they could unblock my card which is what they did. After that, He recommended XXXX which was a way to send money through the Wells Fargo app. He said he would send out the hoodie when I paid. I paid him the XXXX dollars and then he gave a shipping number and said yep Ill ship your package immediately. So I was happy and all then a few hours later I contacted him asking what the tracking number because I wanted to make sure it was the right one because it wasnt moving anywhere. He read my text and didnt reply anything. Ive been trying to contact him for 3 days now and Ive gotten no response. When I check my shipment through the usps app it says label created, not yet in system. Its been like that for 3 days also. I am strongly confident that he scammed me for the money and just left. If you could help me out that would be appreciated. 
Please and Thank you, XXXX XXXX
Consumer complaint received 2021-02-22
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: Santander Consumer USA Holdings Inc. (MA)

Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (ID)

I have called Sallie Mae a number of times to help work with me on payments I can afford. I sent them payments, but they don't cover the minimum payment they want. Now, they tell me I don't have online access to my account because my online priviledges were revoked. They won't let me see any of my information that is connected to it. Even if they won't accept a payment less than the minimum, I should still be able to see information about my loan.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

i have account with chase bank, & i noticed several times my account balance was low & i thought my figure was not right. but this morning when i opened up my account the balance was remarkably low & i called chase bank customer service & calculated balance with her, named XXXX & she agreed with me. The system was wrong. i captured the screen & will enclose with this report. i make report on Chase bank manipulating account balance many times & i need all the fund i lost from the bank.
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Toledo, Inc. (OH)

the accounts mentioned does not belong to me nor did I have any knowledge of the accounts the accounts are as following finance system of Toledo XX/XX/XXXX {$100.00} XXXX {$64.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$470.00} the accounts are result of someone using my personal information without my consent.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (GA)

Regarding the late reporting of my mortgage account with XXXX, I am disputing this record due to the fact that this was in fact paid. This should not report on my credit report as a 30 delinquent account for this reason. 
The reason this is reporting is due to the fact that my mortgage was sold From XXXX to Loan Care,  and during this transition period, it appears this got mixed up. 
I received confirmation that my payment was made and had been received from XXXX shortly after my payment was made. I later received information stating that my payment was not received and that I would have to wait until the transfer of the loan was processed before I could even make the payment. Emails sent to me direct from XXXX are below
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NCP Finance (OH)

Took out a short term loan with XXXX in XXXX, Ohio who sent it to NCP finance. The initial amount of finance charge is not what I'm paying now. I took a XXXX loan out in XX/XX/XXXX and first payment was due on XX/XX/XXXX for the payoff amount of XXXX. I was talked into refinancing the loan for a finance fee of XXXX in which they refinanced it with NCP for a payment due on XX/XX/XXXX. When i called back on XX/XX/XXXX the payoff had increased to XXXX. pay off with a refinance fee of XXXX to refinance a XXXX loan. I had no choice but to due it again. The same thing just occured for XX/XX/XXXX. 
That means for a XXXX loan in XX/XX/XXXX I have paid interest on a XXXX loan of XXXX. This is loan sharking and OHIO Chapter XXXX : SMALL LOANS.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

Tried several times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 both online and over the phone to pay a bill that showed as deliquent in email but everytime I tried to pay online ( with current routing numbers of my bank ) I would get a payment processing error. Now I am being told I have an additional late fee and there is no waiver. My credit score had suffered through issues paying this card and the inaccessibility of their online platform..
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX and XXXX  have removed inaccurate reporting for XXXX XXXX. Equifax needs to follow suit since they are reporting this account longer than seven years since date of first delinquency. I intend to file suit if Equifax continues to misreport. I have disputed this account over five times and Equifax continues to report inaccurate information.
Consumer complaint received 2018-04-03
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. (NY)

XXXX XXXX  & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX Bank and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (IL)

In XX/XX/XXXX, I chose to do 4 balance transfers to my Pentagon Federal ( credit union ) credit card in the amount of {$4800.00}. In XX/XX/XXXX, I chose to do another balance transfer in the amount of {$8700.00}. All of the promotions included 0 % interest for 15 months. Following is a breakdown : XX/XX/XXXX - {$820.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1900.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1300.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$720.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$8700.00} ( 15 month 0 % interest/ expires XX/XX/XXXX ) My complaint is regarding unfair credit practices. I have had numerous conversations with Pentagon Federal about my intention to pay off the 4 balance transfers that expire on XX/XX/XXXX. However, due to their system limitations, the payment allocation is equal amongst all 5 balance transfers and there is no way to adjust the payment allocation to ensure that the balance transfers which expire first are paid off without accruing interest. I have discussed this issue with Pentagon Federal on multiple occasions and they have provided no solution. Furthermore, because the balance transfer which expires on XX/XX/XXXX has the largest balance, the majority of every payment I make goes towards that balance transfer. This makes it impossible to manage the first balance transfers to ensure that I pay off these balances before accruing interest. Following is an example of how my recent payment was allocated : {$500.00} payment was applied in XX/XX/XXXX as follows : Balance {$470.00} - {$21.00} payment applied Balance {$1100.00} - {$51.00} payment applied Balance {$770.00} - {$35.00} payment applied Balance {$410.00} - {$19.00} payment applied Balance {$8100.00} - {$370.00} payment applied As you can see from the above example, 75 % of my payment is going towards the balance transfer that has the largest balance. With only 25 % of my payment going towards the 4 balance transfers that expire first in XXXX, there is no way to effectively manage these promo plans without hitting the expiration date and acquiring interest. Although the current balance for the 4 balance transfers is {$2700.00}, even if I make a {$5000.00} payment, there will still be a {$1200.00} total balance for the 4 balance transfers. This is an unfair practice that harms the consumer. With all other credit cards I have had, I have been able to determine the payment allocation to effectively manage the promo plans to meet my needs.
Consumer complaint received 2023-01-28
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. (NJ)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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 2020-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (PA)

Issues with company. working with another company the bureaus that keeps sending me debt collection letters but no proof of actual wet ink signature, contract or anything just saying that the debt was brought by them from XXXX XXXX. I never lived in New York and that is where the debt originated from. Issues with company. keep getting hung up on when calling to request a supervisor to handle the issue.
Consumer complaint received 2023-01-28
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. (NJ)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. 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