davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NM)

I went to withdraw my money from my account on XX/XX/XXXX to buy a XXXX  van. I had purchased checks believing I could write a check but there was a maximum limit of {$3500.00} a month. I couldnt find a reasonable place to get my money. I read in the rules I could close out my account and recieve my money that way. I spoke with a representative on XX/XX/XXXX they told me they closed out the account in the amount of {$10.00}. I was angry at that point as I had {$12000.00}. When I stated this the employee didn't react at all as if this is common practice. Being upset I called again on XX/XX/XXXX and the employee stated a check was issued but he didn't state how much the check was and when I told him the amount it should be he didn't react either. So I waited for the check it took 14 days not 7 or 10 days as stated on there website. 
As soon as I closed the account I lost all my data that was available to me. I no longer had access to my money, my payments, my yearly statements. 
When I received the check I was in shock. Did they really think I was going to accept {$10.00} and go away? I called and spent 3 hours on the phone jumping through hoops never getting any one that cared about the {$12000.00} mistake. 
I have a screenshot of my account. Some alerts via text message, I also have the bank that gave me the loan for the XXXX  van ....
Consumer complaint received 2020-11-15
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: CORELOGIC INC (TX)

XXXX/XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2020-10-26
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. (IN)

I sent a letter via mail on XX/XX/2020 regarding inaccurate information on my credit report. This a clear violation of FCRA this report contains medical information with is a violation of my privacy. I never gave this company written consent to publish or furnish any of the following accounts. This is a violation of the FCRA 15 usc 1681 1681b. Its been over the 30 days provided to investigate. This has caused me stress and is bad reputation of me as a consumer.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-10-08
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. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (KY)

XXXX GOT CALL FROM A XXXX XXXX OFFER ME A LOAN FOR XXXX GAVE ME ACOUNT NUMBER XX/XX/XXXX PHONE XXXX TO HIS MANAGER XXXX XXXX XXXX HE CALLED ME BACK XX/XX/20 SAID TO SET UP XXXX  XXXX ACCOUNT TO DEPOSIT XXXX FIRST PAYMENT AS I WAS NEW FOR THE APPROVAL SEND ME A CONTACT WAS LACKING A LOT OF DETAILS AND SAID THE LOAN WOULD BE IN MY ACCOUNT, SAID THERE WAS PROBLEM WITH MY ACCOUNT ON MY BANK THERE NO PROBLEM HE DID NOT DO THE DEPOSIT WAS THE PROBLEM. HE SAID THAT THE LOAN WAS A TAX AS HE IS IN NEW YORK I AM IN KY THERE IS A XXXX TAX SENT XXXX AND XXXX XXXX FEE TO GET MY XXXX BACK THEN SAID THAT WIRE XXXX THAT THE TRANSATION ON XXXX XXXX WAS XXXX THEN TOLD HIM FORGET THE XXXX AND HE SAID JUST PAY XXXX AND WILL DO THE DEPOSIT AFTER PAYING XXXX WAS NOT GOING TO PAY ANOTHER DIME AND REFUSING A REFUND THAT DID WANT THE LOAN. HE IS LIED AND DP WANT HIS LOAN NEED TO REFUND ME HE HAS LIED TO ME AND THE CONTRACT IS LACKING IN DETAIL
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am currently in a chapter XXXX bankruptcy case and PHH mortgage has been slow and in some cases failed to update payments to their processing centers. This this has threatened to kick me from the stay at my property. I have sent all copies of the checks and posted dates from my financial institution and PHH will still not make the corrections.
Consumer complaint received 2020-10-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (FL)

To whom this may concern, The loan was being serviced by SLS should of been released due to bankruptcy and we have requested several lien release documents now. The loan which was satisfied/discharged over 10 years ago never had a lien release filed and the property still has the lien on it. We have written and spoken to SLS several times and were forced to pursued legal action after threats & harassment of foreclosure which started recently ( after 10 years of silence ). We were told the lien remained valid and they sent at least 1 letter a day threatening foreclosure with collection attempts including an illegal amount of interest and fees. The Balance they claimed owed was close to {$60000.00} and they added over {$120000.00} in interest, attempting to collect {$180000.00} or foreclosure. We were forced to pursue legal action and obtained a signed court order removing the lien from this property. We sent ANOTHER OWR for a letter of lien release and/or acknowledgement of the court order and have yet to receive a response. 10 years, we've heard nothing until we reach out to them and all of a sudden endless threatening letters. This is our second CFPB complaint, the first one they challenged and since we've gone to court to prove they are wrong. 

We are disappointed with the communication and service received by Specialized Loan Servicing. Its obvious the company bullys the customer by their attempts to collect a debt 10 years after it was discharged, they never reached out prior to our communication in XXXX. In a global pandemic, they started harassing a XXXX veteran of our country and threatening foreclosure on his home after nearly 10 years of no communication to me.
Consumer complaint received 2020-12-08
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. (TX)

On XX/XX/20 I received an email stating results from a recent complaint had been responded to, however prior to that I received an update about my experian account regarding an open investigation ( my complaint made through CFPB ). Experian reflected 3 accounts that were apart of the 10 accounts disputed had been deleted from my file. Experian STILL has not rectified their blatant disrespect to me nor violations of the FCRA. What is it going to take to get the remaining 5 accounts removed? The proof has been sent repeatedly but experian either sends me stall tactic responses or in this case only addresses part of the situation.
Consumer complaint received 2021-04-06
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: ALLY FINANCIAL INC. (TX)

I consistently check my report. I notified Ally Financial due to it showing I was late for XXXX 's payment when it was made timely. I contacted them and was told XXXX 's payment had been missed as I have never missed a payment on this loan since I acquired the loan. I had a lot of things going on within my family when this mistake occurred. I resolved this issue immediately and made sure to make a payment and set up a deferment plan for one month in which I was told to make a payment in XXXX for an amount given which was done timely per the below agreement. 

Ally Auto Alert Ally Hello, XXXX XXXX XXXX We've got a new document ready for you to sign. 
Your document is waiting for your electronic signature. Log in before the expiration date to review to electronically sign : Retail FFP Extension Agreement Expires : XX/XX/XXXX If you don't sign your document before the expiration date, your due date won't be extended. 


Questions? Call us at XXXX Available Mon Fri, XXXX XXXX  XXXX XXXX  ET Saturday XXXX XXXX  XXXX XXXX  ET Closed Sunday Access Ally Auto Online Services at allyauto.com I checked my report after the deferment was paid and meet and completed. I saw there was two negative late payments shown for XXXX and XXXX when payments were made on XX/XX/XXXX for {$290.00} and XX/XX/XXXX which is under 30 days and I received a negative report of late payment for both months. I have made a dispute through XXXX  and this was not fixed or removed to show I was on time for the payments made. I tried to dispute this on another occurrence and was told that I could not dispute the same thing more than once. 

Please see what can be done for this to be corrected. 

XXXX XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (VA)

I literally have no idea. I just put in an application for XXXX XXXX two days ago and my background consumer report from you guys came back and it says I am a XXXX XXXX XXXX But, I have never did nor was accused of such. I believe I was terminated from my old job because of this as well. So, please I need someone to get this straightened out.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (AL)

On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No actions have been taken.
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently pulled my consumer report and noticed some accounts that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On XXXX XXXX I filed a dispute against 3 transactions for a purchase that was made to XXXX  XXXX. I called Chime Bank on the 30th day, informing them of my understanding that, by law, the merchant has 30 days to respond to the dispute. On the 30th day, XX/XX/XXXX, I spoke with Chime Bank and they are refusing to give me information on whether the merchant has responded. By law, if the merchant hasnt responded, I am entitled to my refund. Chime Bank is holding a total of {$200.00} between the 3 disputed charges, and refuses to put the money back into my account, even after knowing that XXXX XXXX has not responded to the dispute.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ND)

My Care Credit card operated by Synchrony Bank charged a " Card Security '' fee of XXXX a month and charged interest on this charge. I never signed up for card security or authorized these charges. I looked through all my paperwork and made sure this wasn't a part of the terms and conditions. In addition the card is to have zero percent interest for the first six months. 
I reported this to Care Credit/Synchrony Bank. I was told I had to contact Card Security to remove and refund the charges. I did this and I was told the charges would be reversed. It is too early to see if the charges have been revered. I will file a separate case if they don't.

I was told by a representative that Card Security is a third party. I called back to report this card security fee as a fraudulent charge and was then told by a different representative that card security is a department of Synchrony Bank. 
Bottom line is that this fee was not disclosed and not authorized. Interest was charged when it was not supposed to be. These are supposed to be refunded.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

On XX/XX/year>, made a purchase at XXXX XXXX, XXXX XXXX on the total amount of {$XXXX}, where I was offered the possibility of making the payment in installments. 

Firstly, they made me put my information into XXXX XXXX  ( First National Bank of Omaha XXXX where a limit of $ XXXX was granted, the attendant for reset mentioned system was not working and the transaction did not go through, I even received this note from skeps. On the other day, I received a notification from XXXX saying reset has confirmed a purchase on the amount of XXXX $ XXXX. 

I was asked to return to the store and, then XXXX, the XXXX who supported me, mentioned they would use XXXX and asked for my debit card details and ended up entering another loan in my name on the amount of $ XXXX. I have noticed that in the same day and he mentioned this was going to be adjusted once purchase is processed. 

I have been contacting the company since them and all they say is give us a couple of more days. 

I am still holding on my name XXXX loans ( XXXX with FNBO on the amount of XXXX $ XXXX and XXXX with affirm, on the amount of XXXX $ XXXX, and I do not have any purchase on such amounts and no one from reset is resolving my problem. I have contacted Affirm, who opened a dispute an contacted FNBO, who simply says that they are taking care of it, but tomorrow I have an installment being debited from my account, on a U $ XXXX loan I never received ( nor made a purchase on such amount ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Consumer complaint received 2020-04-22
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. (NJ)

XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.
Consumer complaint received 2021-04-03
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. (NY)

I am not the mortgagee or owner for account # XXXX that experian is reporting on my credit. I send FTC report, police report, my id, and letters to remove the account that belongs to someone else from my credit file but they did not delete the account. I also requested for any and all contract and evidence the bank supply to them to give them reasons to not delete this account from my credit file.
Consumer complaint received 2018-03-30
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: CORELOGIC INC (NC)

I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (LA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2020-06-01
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. (MO)

On XX/XX/2020 my wife and I submitted a joint application for credit from XXXX XXXX through a link on website provided by XXXX XXXX in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from XXXX XXXX notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.
Consumer complaint received 2021-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a dispute with capital one over 30 days ago .I informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal capital one never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.