davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXX. The Account Opened is XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (SC)

I have 2 account collections from Jefferson Capita Systems that keep popping up opened recently from XXXX. I do not owe XXXX or XXXX. I called both companies. I called Jefferson capital put my information in annd the system says it shows no acut- and they told me they were going to sue me for the amounts due when I told them that I contacted the original creditors and they show no such accounts ever or balances. Ive had XXXX  service for over 7 years
Consumer complaint received 2020-07-14
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. (FL)

A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to XXXX  for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX  and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt  so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-02-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (TX)

Veterans United pre-approved me for a VA home loan. One of the stipulations for final approval was that I sell the house that I owned at the time of pre-approval, " Verify sale of real estate owned ''. I sold my home and went pending on a home purchase. During underwriting, Veterans United started asking questions concerning my employment, that my company is not allowed to answer, per company policy. The main issue was reported to be that my company would not provide written reassurance that I would continue to be an employee for at least the next 12 months. I spoke to my company HR to ask them to provide the required information. My HR informed me that it was against company policy to speculate how long into the future an employee would remained employed. My company verified that I was a current, full time employee. This issue was never brought up during the pre-approval process. As a result, I sold my home and now do not have a home for myself, my wife, or our children. I have also lost a significant amount of money in attempting to get the home that Veterans United issued a pre-approval for, and then denied without proper cause.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I opened a Bloomingdales credit card thru Citi bank in XXXX. I attempted to utilize the card within days of being approved, as well as a follow up attempt to use the card once I received my physical card. 

Both times, an order placed online at the specific stores website, XXXX, was made by me. However both purchases were immediately and very clearly canceled by the store. At the stores discretion they refused to ship me my purchase. No purchase was ever completed with this card This also happens to be the 3rd card Ive had now that was issued by Citi bank and they all have done this same exact thing to me.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party ( CMRE ). I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2021-02-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent to Transunion on XX/XX/21 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me XXXX they're also not even investigated at all. I've sent these accounts certified mail and I do see Transunion is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

We sent a payoff check with confirmed delivery on XX/XX/2020 and they have yet to process it as of XX/XX/2020. Every time they are contacted via telephone, they tell us to wait and that it is in processing. The date of the first payment was coming due ( XX/XX/2020 ) and we were getting worried, so we sent them a message in writing through the online account. They claim the check was never received via writing and now refuse to communicate in writing only sending a form message telling us to call every time we send a message. We are looking at additional fees now to pay off the loan ( stop payment, postage and signature confirmation ). Any reputable company would apologize and try to attempt a resolution. Extremely poor customer service on Santander Consumer USAs part. Please help us get away from this terrible company and help spread the word so other consumers are not financially impacted by their poor business practices.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (AR)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX Someone Hacked My Western Union Account Which Os Connected To My Capital One Debit Card, And Sent Money To Various People, I Have Contacted Capital One And They Have Denied My Claim After I Sent Proof Of My Police Report & Prior Transactions From Western Union..
Consumer complaint received 2020-07-14
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. (AR)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.
Consumer complaint received 2019-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southern Auto Finance Co (FL)

I was never givin any notices on the difency of the sale of the automobile and have sent 2 verification letters dated XX/XX/XXXX and XX/XX/XXXX have recieved no response tryd call to get a fax number just kept getting transferred
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have a personal relationship premier account with wellsfargo. I also have my daughters ' accounts linked to my account. They said when opening the account that since I have an account with minimum balance requirement of XXXX, some fees etc., wiill not be charged for my account and my daughters ' accounts. 

For just getting a temporary check leaf so that she can give that to her employer for direct deposit information, they charged {$3.00}. When I asked that the fee be refunded, they said they can not waive that fee. 

To give a temporary check leaf the charge of {$3.00} is atrociously high. They did not properly inform my daughter about the fee and she was under the assumption that any fees will be waived because of the premier account status.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I got hacked I had two security breeches in XXXX they got my drivers license number my social my email password my address everything from the XXXXXXXX XXXX. Then I had another breech from an unknown breech. They took out an installment loan using my info and my fiancs info too he got hacked too and they combined the info and had the mailing address to my fiancs XXXX XXXX business store that is public and his email but it was only in my name and they also had his old cell number that wasnt even on then. It was an installment loan which I would never get I would never be that stupid.. The cash net USA just called me this week told me to make a police report within 7 days and get proof they sold it to collections XX/XX/XXXX thats when I found out about this its XXXX dollars in collections. Someone did this and its fraud and theft. I dont want this on my credit report they marked it as theft but they havent decided on the case yet but if I had to pay some money just to make not go on my credit on would because Im about to get a house and a car and even if they would prove that its fraud because the cash net USA loan had the bank account it was connected to it they wont give me the name on it so hopefully you can look into this and they transferred to XXXX XXXX to pick up the cash right away so hopefully they have the records. I have another loan that was taking out from XXXX but Ill make another complaint.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

As a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal permission Per 15 usc 6802. This is effective immediately.

For only the accounts and inquires listed in my complaint. The Law states it is illegal to report transaction history.

Who gave you the CRA, and these other companies permission to furnish my privacy. This is a violation of my privacy, and your duty as a transfer agent to my ACCOUNT. You are damaging my reputation with false information. 

I want the listed information removed and my score updated immediately.
Consumer complaint received 2018-02-15
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 an email earlier through Equifax Inc was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with XXXX not as reported by XXXX through Equifax XXXX Inc for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30/60 days late.
Consumer complaint received 2018-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.
Consumer complaint received 2020-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (NY)

I made a purchase of {$23.00} from Homedepot/ Citi credit card, in XX/XX/XXXX and Paid in full on XX/XX/20. I am still getting notices of late payment fees on late fees. Now they want {$100.00} for nothing. They put the account for collection in XXXX without any notice and I did not get first payment statement due to Covid-19. I called many times to resolve the problem.Their phone system is robot and Reps. have bad attitude. I cancelled the account still I am getting e-mails and mails. They created this problem just for {$23.00} which is already Paid.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

CFPB must have the US Government require Credit Bureaus, e.g. Experian, to have MANDATORY EMAILs that allow Consumers to CONTACT SUPERVISORY personnel in these Agencies AT THE HIGHEST { DECISION MAKING } LEVEL }!! IF one CALLS, you get LOW-LEVEL PHONE BANK non-assistance! IF TRANSFERRED to a " Supervisor '' they are NO BETTER!. PROBLEMS : 1. Experian send consumers " Credit Card Offers '' who, then in turn, FILE A HARD CREDIT HIT with >>NO APPROVAL<< EVEN WITH " EXCEPTIONAL '' { Experians words NOT mine! } CREDIT! LOWERING One 's CREDIT SCORE! 2. Experian provides " GUIDANCE '' on Building Scores and FAILS TO USE IT ACCORDINGLY! Example : " Consumer is to use MORE Revolving Credit to show Credit worthiness, BUT, WHEN YOU DO, they " WARN '' you TOO MUCH INCREASE " RUINS SCORES ''!!! Example : I use my XXXX XXXX Card because THEY RECOMMEND IT FOR FRAUD PROTECTION! { CREDIT vs. DEBIT Cards!  } THEN -- I PAY IT OFF, ENTIRELY, EACH MONTH, THAT DAMAGES ONE 's CREDIT ALSO!! WHY PAYOFF? Because there is a CREDIT LIMIT on CARDS and one has to do the ABOVE to do ANTI-FRAUD Protection USAGE and STILL be able to SHOP once AGAIN. 3. ISSUES, such as 1. and 2. ABOVE then become IRRESOLVABLE because of Experian " POLICY!! YOU CAN '' T WIN!! I am trying to build a 800 Credit Score to REFI my HOME while RATES are DOWN. EVERYTHING Experian has DONE TO ME or RECOMMEND I DO has LOWERED MY SCORE! THE US GOVERNMENT HAS TO STEP IN!!! Experian SIMPLY WILL NOT CORRECT IT's CONTACT OPTIONS in 21st Century. WHY! One can only SURMISE because It's " BIG US, little YOU '' attitude and they DONT WANT to CHANGE or CORRECT the ABOVE ... On their OWN!!
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (NY)

There is account on my report from XXXX for {$3100.00} I tried calling XXXX and was unable to resolve the issue. 
I had closed the account back in 2018 - all devices were returned back. The amount being collected from XXXX is not correct. 
I want this account removed from my credit report. 

This credit company has never intended to contact me or send me any mail about this. this just showed up on my report. I tried calling this office : DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Very unprofessional could not provide me any information. This is a scam I want this off my report Or I will be contacting other agencies and the business bureau and other official offices.
Consumer complaint received 2018-06-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC (FL)

My car depreciated extremely over the course of one year since I had bought it. No one would refinance me, and bmw refused to help me after calling for a month and asking for some sort of bail out. I decided to voluntarily repossess my car. I left it at a bmw dealership, faxed back the paperwork that was asked of me and left it.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

On XXXX  I purchased bitcoin on cash app. I sent the bitcoin to what I thought was a trusted trading site using AI. I began with {$500.00} to test the site. Its made {$250.00} over the weekend so I decided to invest more money. From {$1200.00} to {$2000.00} weekly up until XXXX. When I attempted to withdraw the funds there was an outstanding fee associated with withdrawal. Thats when I realized that I had been scammed and the money was gone. I contacted cash app and they told me there is nothing they could do. Once its sent on blockchain it couldnt be tracked. So I researched and there were cases where money has been retrieved. The company doesnt hold itself liable to retrieve funds once a scammed. It has the resources to track and recover the money but doesnt assist. I lost all of my savings at the time over {$12000.00}.