davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney. 

Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!
Consumer complaint received 2018-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a Bank of America customer ... both a deposit and a home equity account. 

I borrowed against my HELOC ( XXXX ) last Fall and in ~XX/XX/XXXX use the phone app to pay off the balance. For the following 2-3 months, I re-checked the app, the desktop site and visited the branch. All 3 said I had a {$0.00} balance. When the statement came to my house a month or 2 after all 3 said {$0.00}, I didn't bother to open it. 

In XX/XX/XXXX, my credit score went from an XXXX to a XXXX because XXXX reported me as being 30+dpd for {$5.00}. Apparently, there was some accrued interest that I didn't ( know I needed to ) pay. 

While technically accurate, I think it is wildly unfair that all 3 tools ( app, website and teller system ) all said {$0.00}, none clearly said 'YOU MAY HAVE ACCRUED INTEREST, PLEASE CHECK YOUR BILLING STATEMENT BECAUSE THAT IS THE ONLY WAY YOU WILL KNOW. IF YOU DON : T READ IT, YOUR CREDIT SCORE WILL GET SLAMMED '. 

As a side note, I never received a call, an email, a special letter or an online alert that something was late ... and all that for {$5.00}?!?! wow. 

I've since paid the {$5.00}. 
I just was the delinquency notification to all 3 bureaus reversed. 
I called XXXX and they said they would not reverse the notice to the bureau. : ( Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I received a call from  XXXX   ( d iversified consultants inc ) claiming that my account with  XXXX   XXXX  was in collects and I need to pay them today since the now have my debt. I advised them I 've never had   XXXX   service and they claim it was actually  XXXX   XXXX  which I 've never had either. I asked the man how he could ask for payment from me when he has n't even verified who I am other than asking my name? His explanation was that I gave him my name so I must be that person. I told him either the claim of a collection is false information or your committing fraud by trying to get me to pay you for a fake collection. He then said they would n't call me anymore and hung up on me, but If I owe you money why would n't you just verify the details for me? They clearly knew that I did NOT have a collection and the entire call was a scam to get money. I 've never had a collection in my 18 years of having credit and this was a attempt to illegally collect money
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX 2013 Account numbers : XXXX ; XXXX :
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello. I submitted Dispute with ( Transunion ) on XX/XX/2022. On XX/XX/2022 They advised me it was verified however I did not receive anything in the mail, Just email saying information was " Updated ''. That was not what I requested.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE FARM BANK, FSB (NC)

XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR STATE FARM ( XXXX XXXX ) STATE FARM has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Vitek Real Estate Industries Group, Inc. (CA)

Vitek Loan 1. Loan originator told me my house may worth more than XXXX and asked me if I am interested to refinance. 
2. After quick research, I learned that conservative estimate of my house will be about XXXX. 
3. I asked the loan officer if it is possible to remove PMI if the refinance does n't go through. And he confirmed. 
4. Paid appraisal fee and the appraised value came about XXXX. as I expected. 
5. Since the refinancing did n't go through, I requested PMI removal. 
6. Vitek denied my request even though LTV ratio is XXXX %. Claiming that it should be 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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nathan & Nathan, P.C. (TN)

I have received multiple harassing phone calls and received a collection letter by mail regarding a debt that does not belong to me. I have properly notified Nathan & Nathan on multiple occasions that my name & social security number need to be removed from the file because it does not belong to me. The collection account in question is not mine, does not and could not belong to me. A person who shares the same name and used to live in the same city as I is the one to whom this debt belongs. This is not the first agency to inaccurately and egregiously link information from my credit report to a completely different person. These inaccurately attributed collection accounts have the potential to cause financial harm. Nathan & Nathan has failed to respond. Nathan & Nathan has failed to remove my information from this account. Should this matter not be resolved with immediacy, I will pursue legal action to ensure that I remain whole, plus damages, in this matter.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. 
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan
Consumer complaint received 2018-07-02
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: HYUNDAI CAPITAL AMERICA (SC)

I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
Consumer complaint received 2022-09-14
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2020-08-22
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: Total Card, Inc. (AL)

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and XXXX  have incorrectly reported the balance of my Total Visa Card as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my XXXX XXXX from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My Total Visa Card is listed as XXXX  on my credit file.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey (UT)

RC Willey is reporting late payment for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time.I have not been late before and I haven't been late since. I ask that RC Willey make a goodwill adjustment to have this removed.
Consumer complaint received 2019-05-29
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. (FL)

I have sent multiple letters to Equifax I have called them multiple times Im now filing a complaint today I spoke with an agent at Equifax who yelled put me on hold for over an hour came back on the line and said goodbye and hung up. I found my identity theft report and it is terrible to be victimized by identity thieves and then again by Equifax. I sent Equifax my proof of identity including state ID Social Security card bank statements and utility bills they are also aware of identity theft report they continue to write me saying they can not find a file on these which is not true as I have a copy of my Equifax report. None of the documents I sent Equifax contain my middle name nor did any documents have my middle initial but when Equifax sends me bogus letters saying they cant find my file they always include my full name including my middle name if they cant find my file how do they have my middle name I feel like this company Equifax is not honest and they do not care about the consumers I have the right to an accurate credit report free of errors due to no actions of my own. It has been over 45 days and Equifax refuses to acknowledge their error. There is an item on my credit report that shows a charge off account the creditor is listed as XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX I have never authorized an account with XXXX XXXX XXXX I have never been in the military there is another era that is listed as XXXX XXXX and shows an original predator as XXXX XXXX XXXX the same applies here I have never had any financial dealings authorizations or use of XXXX XXXX the XXXX XXXX account shows That it was opened in XX/XX/XXXX the XXXX XXXX XXXX shows opened XX/XX/XXXX Equifax is getting paid by these financial institution and it seems as though they work for them and do not care who they harm were their erroneous entries. I have not authorized in anyway any of these accounts and I feel like Im just a number to Equifax and they are damaging me causing me to be denied lower interest rates or financing because of my in accurate Equifax report please help in this situation contact Equifax. 
Respectfully
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. (NV)

I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the identity theft.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I have a loan with THD/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting alll 3 bureaus and THD/CBNA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 120 days late.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2020 PayPal - negative {$8100.00} XX/XX/2020 Transfer P PayPal - negative {$8100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$8100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$8100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-09-13
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 did not consent to, authorize nor benefit from any of the following inquiries. I want them blocked and removed. 
1. Experian Business Credit XX/XX/2022 2. XXXX XX/XX/2022 3. XXXX XXXX XXXX XXXX XX/XX/2022 4. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-08-22
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: BMW Financial Services NA, LLC (FL)

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A.. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A. with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.
Consumer complaint received 2020-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.