davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.  XXXX , EQUIFAX,  XXXX  AND  XXXX .     PER THE  F.C.R.A  LAWS.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (IN)

The people in charge of my loan ( J.D. Byrider/CNAC ) isn't honoring the warranty in the contract I signed with them, and I want to get out of the loan. My Vehicle 's been in service ever since XX/XX/2019, and it's XX/XX/XXXX. I'd also like this month 's payment back as I haven't had access to my vehicle with them since the XXXX.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Consumer complaint received 2019-03-05
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 do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records. 
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   EXPERIAN AND  XXXX .     PER THE  F.C.R.A  LAWS.
Consumer complaint received 2018-01-17
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. (FL)

I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
Transunion reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
Consumer complaint received 2024-02-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc. (IL)

Cash app XX/XX/year> XXXXXXXX XXXX spoke with rep whom disconnected the called when informed I was inputting complaint XX/XX/year> XXXXXXXX XXXX  spoke with XXXX who refused to allow transaction to be completed although I verified it was me making transactions and would not waive XXXX to have money to go into my primary account to complete transaction with another company
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have been using this credit card for over 15 years in good standing. Recently my daughter ( who is an authorized card holder ) was travelling and when she tried to use her card it was declined. She was stranded away from home without the ability to use her card for necessary purchases. When I contacted the company they only said that it was closed for " security reasons '' and would not be able to give me any more details. I have no idea if any fraud or other criminal activity was perpetrated on my account and I do not know if my ID has been compromised, since the company will not give me any further details. I also do not want any negative information to go to my credit report without my ability to even defend myself.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK (HI)

I'm being charged by XXXX and an electric company when I have not even had any services and I do not have a stable home so this does not make sense to me you can reach me via email for now at XXXX thank you
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.
Consumer complaint received 2017-07-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NE)

On XXXX/XXXX/2017 I received my monthly statement from Navient student loan servicing. A late charge was noted for {$.00} and noted as an unpaid amount for {$.00}. I knew this was incorrect because I pay more than the amount due each month and also never have been late on a student loan bill before. My student loan debt is taken very serious as a Nebraska bar applicant and XXXX XXXX holder. My account number is XXXX I called the number for customer service and spoke to a woman who called herself XXXX, her ID # is XXXX at around XXXX XXXX/XXXX/2017 where I was told the call was monitored for compliance, she told me after telling me I could not speak to a manager because call volume was too heavy. When I insisted on a manager she put me on hold and made me wait then asked if I still wanted a manager and then she was advised in how she was instructed to respond to my query. She told me this was a fee from a previous servicer that appeared on my bill that it could be corrected because it should not have been charged as I am on the income based repayment and have been with them at Navient who has been servicing this loan for over 2 years on the same plan. I asked her if this is not considered illegal collection practice and did she know this is a UDAAP. She said, " yes it is. ''
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2022 Credit Collection Services ( Re : XXXX ) I was notified by your company on XX/XX/2022 regarding an alleged debt. I have reason to believe I do not owe this debt because a third party did not pay the amount due to technical issues. Thus the service was never received. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Louisiana. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX XXXX XXXX communication was also mailed. Your online portal does not allow consumers to upload disputes this is misrepresentation. The has been reported to the CFPB. lease only contact me by writing.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (NY)

Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.
Consumer complaint received 2018-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (CA)

In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.
Consumer complaint received 2018-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/18 I filed a complaint # XXXX, and it was removed from my XXXX  reporting as this was a credit check for a credit card for XXXX without my consent or knowledge. Using a very old address, a clear indication of Identity Theft. 

Now the same exact reporting is showing on my Transunion credit report and also needs removed. See attached images below.
Consumer complaint received 2023-03-23
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: TRUIST FINANCIAL CORPORATION (FL)

My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.
Consumer complaint received 2022-09-09
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: DISCOVER BANK (VA)

*Repeated Reporting of late Payments* ( Closed inactive accounts ) XXXX XXXX account closed Discover Bank account Closed in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants calls me several times a day and when I pick up no one says anything. The phone hangs up, and the calls are repeated. I have mailed letters to this company asking them to validate this debt that is not mine. I never lived at this address that is listed on this account. And I never had this service with XXXX XXXX XXXX XXXX XXXX. They have failed to provide me information such as the written agreement that created my original requirement to pay. They have been unable to give me the proof that they have the right to collect on this debt. I will upload the letters that I have mailed to this company. Even though they could not produce any proof, they put this negative information on my credit report. I sent a letter to XX/XX/XXXX and XX/XX/XXXX. I will also provide evidence of tracking that it reached their office.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX, I sent a Bill Pay check on a relative for {$600.00}. I have sent money through Capital One 's Bill Pay before without an issue. When my relative reached out a week later saying they had not received it and reached out to the card investigation team. They told me that the check was en route and to wait until Friday the XXXX and if had not been received by then they would put a stop on the check. 

I reached out that Friday the XXXX and was told that they opened a case to stop the check. I received an email Monday the XXXX saying that the request had been denied. I called again and was told that they would re-open the case after I re-explained my issue. On Monday the XXXX of XXXX I called again and they assured me that the money would be put back in my account in 1-3 business days ( by the end of day Thursday at the latest ). When the money was not posted I called this past Tuesday, the XXXX, to complain that the money had not been returned and they again promised the money would be returned in TWO business days ( end of day Thursday ). I reached out again today since the {$600.00} has still not been returned and I was told by the employee and supervisor that the money would not be returned to my account until Friday or Monday which is now 10-11 business days after they told me it would be returned. The check STILL has not arrived at my relatives address and it has not been cashed. 

I told them I would be filing a complaint.
Consumer complaint received 2017-06-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

In XX/XX/2022 I experienced hardship after having XXXX that there was a person named XXXX XXXX on the title of my property and that my mortgage had increased. Contacting the servicer Flagstar bank advising them that I never consented to this agreement. They added a second mortgage to my home without my consent I am a XXXX man above XXXX who has no understanding how to use email was told that they sent a electronic signature to my email which I never seen. They have added a second mortgage and have overlooked my complaints time after time they have ignored my plea against them and the bank who illegally added another income to my account. I have written them letters each month requesting help. Asked them to cease and desist they continue to report late payments and file bankruptcy judgement.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

cra violation items not mine lower my score in results i could not get what really i deserved in rates scores and other stuff please look at this inquires are not mine XXXX XXXX is not mine XXXX breach has cost me big time and they wont let me look at my credit XXXX XXXX XXXX/CHARGEOFFOther {$76.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$76.00} Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Utility company Responsibility Individual Credit Limit {$0.00} Highest Balance {$0.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$76.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX inquires not mine XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX