davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove this right away.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Green Bay, Inc. (WI)

Sent me a letter claiming I owe XXXX to XXXX XXXX XXXX. Does not include any other information in the letter besides name and address of debt collector. Letter recieved XX/XX/2023
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has charged me thousands of dollars while allowing the same repeat transactions to go through over the last year and a half. I have talked to them and was told it would be made correct and it has not. Today they just took more money. I am going to be closing my accounts but I need my money back. They said they'd fix it and gave me a refund for like XXXX of the XXXX dollars fees, I asked to make the acct unable to over draw. They said they'd do that. they did not.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

XXXX  XXXX put 2 debts on my credit report that were not mine. The accounts had been placed on my account back in XXXX  and still on my credit report to this day. When I actually started to dispute the items, the name on both accounts were not mine. Our names were simular, ( my name, XXXX XXXX XXXX ), ( her name, XXXX XXXX ), I found out later that XXXX  sold the account to Resurgent. So, I contacted them over and over about the situation. I disputed over and over again with resurgent. Once I laid out the foot work as to how the accounts suddenly appeared on credit report, Resurgent LOCKED ME OUT OF MY COLLECTION ACCOUNT. But, before they did, I wrote down the individual 's information. I immediately wrote to the individual to make her aware of the circumstance.I told her that she needs to rectify the situation or I will be reporting the incident to the police, ( which I did because she never replied ). I again tried to get into the acccount with Resurgent, they still had me locked out. So I told them of the steps that I was taking due to the fact, that they had ruined my credit since XXXX  and that I will be suing them.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

In XXXX of XXXX. I opened a Synchrony Bank credit card, when I received my bill, I noticed a charge of {$21.00} on XX/XX/XXXX from XXXX XXXX and {$24.00} on XX/XX/XXXX from XXXX XXXX that were not my charges. I contacted the credit card company and told them that these charges were not my charges, and I did not authorize them. Then paid the credit card off. Since then, they have continued to leave these charges on the card charging me astronomical amounts of interest and fees. 
In XXXX. XXXX trying to resolve this. They sent me a list of all charges, that were made on the credit card, along with the payments that were made. Still these XXXX charges are on there. I reviewed all the transactions and agree with all of them except these XXXX transactions from XX/XX/XXXX and XX/XX/XXXX. I have sent the transaction authorized/not authorized list back to the credit card company and still, yet they refuse to remove these XXXX charges and continue to charge astronomical amounts of fees and interest. 
I closed the card on XX/XX/XXXX. The credit card company then took it upon themselves to open another card in my name and transfer these fraudulent charges and fees. And continue to bill me, under a completely different account number. 
Remove fraudulent charges and these astronomical amounts of fees and interest. According to my calculations there maybe a {$90.00} balance. That was put on the card after. XX/XX/XXXX, I don't how that happened because the charge was made, XX/XX/XXXX.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX Reference # XXXX, XXXX XXXX  XXXX account 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

The following inquires were added to my credit report without my consent, please remove these unauthorized inquires from my credit report. 

XXXX added an inquiry from XXXX XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX ( date XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/23 ) XXXX added a inquiry from XXXXXXXX XXXX XXXXXXXX ( date XX/XX/23 ) Experian added a inquiry from XXXX XXXX XXXX XXXX XX/XX/23 XXXX Experian added a inquiry from XXXX XXXX  ( date XX/XX/23 XXXX
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (NV)

On or around XX/XX/year> I applied for a personal loan with Truist Bank DBA LightStream for {$50000.00} to invest in cryptocurrency. An individual online had befriended me, and proceeded to entrap me in a romance scam and scammed me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against LightStream in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with Upgrade I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to upgrade is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX  XXXX and so on... Based on my income, I should not have qualified for a loan with XXXX and if denied, would not have been able to invest money which was fraudulently stolen from me. LightStream committed predatory lending and lended to me based on a credit score rather than an ability to pay!
Consumer complaint received 2021-05-25
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: Convergent Resources, Inc. (LA)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Auto Finance XXXX My vehicle was repossessed for non payment. However I was granted payment extensions for the unpaid months. My car was repossessed without reason after two months despite me having extensions. The company claims that I received 4 extensionsit was also stated by the company that I had three missed payments. They also stated that during the time of extension there were 4 insufficient funds transactions. Which were during the extension period. My last payment was made in XX/XX/2020 and my car was repossessed in XX/XX/XXXX If I was granted 4 extensions according to CAPITAL ONE auto finance. Why was my car repossessed after only 3 months. My car was sold for about XXXX leaving a balance of about XXXX left over. I am currently unable to refinance a vehicle and this is a derogatory mark on my credit. I attempted to settle but I didnt have the funds
Consumer complaint received 2021-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (WI)

Springleaf Financial Services My name is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I am writing to you because I have had an ongoing issue for over 5 years and have been unable to have it resolved. I have reached out to multiple departments, including my local XXXX XXXX and XXXX XXXX. I have had no resolve. In XXXX of XXXX, a company called Springleaf Financial informed me that I had started to apply for loans that I never received. Springleaf also stated that I received several checks and endorsed them and cashed them. I am disputing this because I never received these checks. I was hospitalized during these alleged check issuances and cashing. I have included this proof with this letter. I have also included a copy of these checks. I strongly believe that my identity was illegally used to obtain these funds. I have hired various attorneys such as XXXX XXXX and XXXX XXXX but neither attorney provided me service. I also have paperwork and documents to prove this. I have taken out a loan with Springleaf in the past for {$500.00} and when I went to pay it in full I realized that there was extra money taken out in my name. I have been fighting this case for several years now and now I am seeking your assistance. It is hard for me to hear and I am forgetful so please send any correspondences to my box listed below.
Consumer complaint received 2021-05-25
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. (GA)

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX  had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

American Express XXXX offered two {$50.00} credits for spending {$50.00} or more with XXXX XXXX if it was ordered online. I spoke with a representative about this and other officers and was told I had to order the item online which is what I did. I relied on their guidance. 
I purchased two items online under this program on XX/XX/2021 and XX/XX/2021 and did not receive the credits from Amex. 
When I called AmEx they said the orders did not qualify because they had to be shipped to home. They claim they can not do anything about this because the credit is 'system generated '. 
I am submitting a complaint because I was advised by an AmEx representative about the offer and the requirement to purchase online ( which I did ) and nothing about having the item shipped to the home. I believe I was misled and met the substantial requirements of the offer. The fact that this offer is system generated is not of my concern. 
I had called to cancel my card in XXXX and the representative walked me through this and a couple more offers as a way to entice me to keep the XXXX  card. I relied on this information to keep my XXXX card.
Consumer complaint received 2020-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

The mortgage servicing department ( HELOC specifically ) of Pentagon Federal Credit Union ( " PenFed '' ) has not processed payments correctly, rendering my account unusable for 3 months now. While this has been an aggravating problem, it is now negatively impacting me financially ( i.e. having to use higher cost credit card availability ). 

I have been told that PenFed went through a system conversion back in XXXX and they are " having difficulty clearing some of these transactions ''. Three months is entirely too long to fix a servicing problem that they created. In addition, their employees are obviously not trained on escalation procedures or regulatory complaints as several times I requested escalation to prevent having to go to a regulatory complaint option, to no avail.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.
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: Experian Information Solutions Inc. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
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: EQUIFAX, INC. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I called Citibank for unauthorized transactions that I viewed on my account. Spoke to a representative and she seemed to be very helpful at the time. She said that my card would be expedited and that I would receive it within 2 to 3 business days. She always so said that they would waive the expedited fee. I was grateful for this and ended the call. Unfortunately with Citibank mobile app if your card is unblock, you can't use the app to verify and monitor your own account until you put an atm card number. Friday the XXXX came and no card. I waited until the XXXX, called and spoke to representative who said that the card was not expedited and was sent through first class mail and that " I should definitely receive it by tomorrow '', which was the XXXX. The XXXX comes no card. I look online at the Citibank page on my computer and it said card expected to be delivered by XX/XX/XXXX. XX/XX/XXXX comes, mailman hands me my mail and there's no letters from Citibank or whoever sends the card. I called Citibank again in the XXXX, to find out what's going on and upset that I don't have access to my funds since there is no branch near me to access my funds. The representative tells me that the card was supposed to be delivered by the XXXX. So he said they would resend a new card and actually expedite it. I am waiting.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (VA)

I have leased my XXXX XXXX XXXX through Hyundai Motor Finance since XX/XX/XXXX. The lease term expired in XX/XX/XXXX and I decided to buy out the vehicle. The buyout quote was {$11000.00}. On XX/XX/XXXX, I applied for a loan from my financial institution, XXXX XXXX XXXX XXXX and was provided a bankdraft to send to Hyundai Motor Finance. The payee name was " XXXX XXXX XXXX '' as instructed by the Hyundai website. I sent the bankdraft on XX/XX/XXXX, and it was received and processed by HMF on XXXX XX/XX/XXXX in the amount of {$11000.00}. On XX/XX/XXXX, I received correspondence from my financial institution that the bankdraft was returned unpaid because Hyundai Motor Finance improperly endorsed the instrument. On XX/XX/XXXX, Hyundai marked my account as delinquent after the check was returned. I have tried contacting Hyundai to rectify this on XXXX XXXX, to no avail. No one seems to be able to figure out how to correctly endorse the bankdraft, and now they want me to pay an increased buyout amount. I have been unsuccessful in attempting to finalize the buyout and need help. XXXX XXXX says that Hyundai has to be the one to correct the endorsement on the bankdraft and I have been unsuccessful in accomplishing this.
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)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc (MI)

I have tried for a month to get assistance on the refund from XXXX XXXX to Uplift. No one will help, hold times are hours and I am purposely given misinformation. There have been nearly 30 communications between XXXX and uplift and it is a nightmare. They are capitalizing interest to make profits and extend the refund process out as they will not back date anything and interest is accruing this entire time. I have travel insurance and should get 100 % refund minus the travel insurance- there is a document uplift is requesting and XXXX XXXX uplift needs to send then something. This is completely illegal what theyre doing to people and should Be looked into ASAP! I have voicemails and emails to support this claim!
Consumer complaint received 2020-12-03
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. (GA)

TransUnin LLC, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying BOGOS Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC , CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning Bogos wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below XXXX website and letter states XXXX  XXXX, no bankruptcies are on my XXXX XXXX, Transunion said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and Bogo information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.