davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX i noticed 5 new inquiries and 3 new accounts showed up on my Transunions report which were not mine. The inquiries in question are from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as from XXXX XXXX dated XX/XX/XXXX. The accounts in question are XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account starting with XXXX. I contacted Transunion and was transferred to the fraud department. Upon speaking with the rep, i was told to contact the places these accounts and inquiries came from. i asked to speak with a supervisor and the rep hung up on me. I went ahead and contacted all of these places. XXXX XXXX told me that they did not see any applications submitted under my name and social for those dates and to contact Transunion and have them deleted. XXXX, XXXX XXXX, and XXXX XXXX also stated the same exact thing. I did not contact Transunion back because I was hung up on when trying to get this taken care of through them directly.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in process.
Consumer complaint received 2023-01-18
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2020-11-24
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: SYNCHRONY FINANCIAL (MA)

On XX/XX/2020, SYNCB/LOWE 'S LAR add a hard inquiriy on my credit report per XX/XX/XXXX. The report did not include contact information about the creditor.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (FL)

Description of Complaint : National Recovery assumed an old bill from XXXX  XXXX in XXXX. The last payment made to XX/XX/XXXX  XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I've noticed around XXXX XXXX that my Experian credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with Experian as I just had to place a credit freeze with all XXXX bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX  Account # XXXX Has violated my rights 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: City First Mortgage Corp (FL)

City First Mortgage located at XXXX XXXX XXXX , Florida foreclosed on my mortgage loan taken out XX/XX/XXXX. City First is a hard money lender. We are XXXX XXXX XXXX XXXX and XXXX XXXX. The loan was for XXXX. At the time of these transactions XXXX XXXX XXXX was XXXX old. He is the principle in these business dealings. The persons who led pastor to this deal was XXXX. XXXX XXXX and XXXX XXXX who has been arrested for senior citizen crimes in XXXX XXXX Florida in cooperation with XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX. The attorney for City First is XXXX XXXX, P. A. who Violated a stipulation agreement initiated legally through the courts on XX/XX/XXXX. The agreement was that if we XXXX of XXXX would make a XXXX dollar payment XXXX dollars for 12 months, the foreclosure would be dismissed. XXXX XXXX never dismissed the foreclosure even though we made the payments, thus taking us back to court and forcing us to sell or lose our property. All this is found on # XXXX on page XXXX of the stipulation agreement. Further more XXXX XXXX 's title company held back funds that were do me at the close of the original sale of the same property. She was suppose to hold XXXX dollars until certain violations were cleared. all the said violations were cleared but she and City First with held the funds from us
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. 

Santander Conumer USA XXXX XX/XX/2017
Consumer complaint received 2022-04-28
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. (MD)

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}
Consumer complaint received 2021-08-14
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. (AL)

I reviewed my credit reports form Equifax and XXXX  and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (LA)

My account with XXXX  has been trouble since the beginning. have tried to resolve my issues with them, by phone, by letters and asking for arbitration. Now my bill has been sent to a collection agency, AmSher Collection Services , Inc . I am a victim of identity theft and I carried insurance on all three of my devices. I also had identity theft protection through them. I asked to go through arbitration. I'm not sure what to do at this point. I was overcharged for my services and my srevice was cut off which made me pay reconnect fees on each device. There is a XXXX dollar payment that they can't account for. I tried to resolve all of these problems and more to no avail. My personal, medical, psychological, and legal information was breeched. Someone else was using my data because my devices had malware my cybersecurity was breeched.
Consumer complaint received 2019-08-20
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)

I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX  XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - $XXXX (this is a duplicate account ||XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|TRANSUNION| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CT)

I lost my wallet on the train and someone found it and stole my identity. I didn't know about the incident for a few months. I didn't really find out what was going on until I started receiving phone calls from XXXX XXXX  's collection agency. I spoke to the collection agency and told them I had no knowledge of the debt and went to the police dept. and filed a report. I also notified the credit bureaus and disputed the items and attached police reports. The credit bureaus placed fraud alerts but did nothing about the accounts that were opened up in my name. I called XXXX XXXX fraud dept today, spoke to a woman named XXXX and asked if they recived the police report about the fraudulent XXXX XXXX acct. that was opened in my name. The woman proceeded to tell me that XXXX XXXX  fraud investigation decided that the acct. wasn't fraudulent because I took too long to report it. She also stated that a police report means nothing because anyone could file a police report and it could be bogus. She stated that I was on the hook for the charges because they didn't believe it was fraud. The amount owed on the fraudulent acct. is around {$300.00}. The credit bureaus continue to report the charged off account and my credit score is trashed because of this.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

When I logged into XXXX to freeze my account, due to a recent identify theft, I noticed a charge of {$200.00} from Sequium Asset Solutions. I have no idea who they are and why they listed on my credit report for me not paying their charge. I have never received any correspondence from them. I disputed the charge with XXXX.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

Apple bank branch on XXXX XXXX and XXXX XXXX has closed for the 3rd time In the past few months. 
They already are operating absurd short hours and now they are closing again using Covid-19 as an excue. 
These repeated closures and reduced hours are making it extremely difficult for myself and other elderly citizens who Bank their regularly during this pandemic. It's uncalled for.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One took over the credit card program for Cabela 's in XX/XX/2018. They changed my account number and my due date before sending me a new card, which meant I was unable to access my account to pay on time. They then charged me a late payment fee and interest, removed the interest grace period and then started charging residual interest even when my account was paid in full. I have never had a late payment on this card until Capital One took over. It was Capital One 's poor handling of the transition that caused the late fees and interest, and when trying to remedy with Capital One, they were rude and condescending on top of it all.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PA)

How I am being treated is not fair early XXXX I put in a dispute because there was a large pending charge on my account I question they canceled out my card and sent me a new one from my understanding it was being investigated today I received a email that my account was being suspended and closed because my dispute also a family member over heard me that lives in my household upset and admitted and apologized for using my card I told the card company what happened they lady said she will note the closed account she was very rude I called back numerous amount of time because customer service kept hanging up on me to explain the circumstances also wrote a letter to them they closed and locked my account with funds inside I have a XXXX I take medication that prevent me from having XXXX today tomorrow I am due for my medicine I have no way of getting treatment I have a XXXX XXXX XXXX to take care of without getting my medication I can have a XXXX anytime now I also explained to them my XXXX check was supposed to be deposited this week and will not be able to access funds
Consumer complaint received 2018-03-05
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. (NJ)

XXXX XXXX XXXXXXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal. 

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Consumer complaint received 2018-03-05
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. (NJ)

XXXX XXXX XXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Consumer complaint received 2023-04-06
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. (CA)

This complaint is a follow-up to my previous complaint dated XX/XX/, that contains a dispute about these items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$18000.00} XXXX Demand that the listed items be removed to my file
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (DE)

Last month I contacted Nordstrom regarding a late fee charge. I was told that the charge would be reversed. Which was a relief because I am on a strict budget. 
When I made my payment this month on XX/XX/XXXX, I was told that the fee still hadn't been refunded and I should only make the minimum payment, which was {$44.00}. So I made that payment on time. I thought the situation was worked out. 
However, this morning I received a call from Nordstrom stating that I owed more money due to the previous late fee charge. I explained that the fee was reversed and the customer service representative said no I still owed more money, which does not make sense. 
I went back and forth and finally decided to pay the amount of {$27.00}. 
Before we ended the call the representative said I was going to be charged AGAIN charged for a late fee. I didn't understand and he did not completely explain what happened. 
He said my new minimum payment would be {$80.00} next month. He said the charge " jumps '' up automatically when I am late. However, I was not late and I feel that Nordstrom Credit Card services is acting in a predatory manner towards me.