davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MD)

EOS CCA, XXXX. XXXX XXXX XXXX, MA XXXX Account # XXXX RE :  XXXX {$1000.00} Upon speaking with a Debt Collector about this alleged debt. I immediately, informed the Debt Collector that this was not my debt furnished on my credit report. I informed her that I did not open up a XXXX account in XXXX, NY at anytime. I proceeded to state that I have not used my maiden name since XXXX and disclosed that I have been residing in XXXX  since XX/XX/XXXX. This Debt Collector requested for me to proved that I did not owe this debt. She proceeded to ask for a payment " full '' or " half '' before sending me the forms. I responded " No '' that I am not paying for this debt I didn't create. 

I proceeded to ask what proof they had bearing I open this XXXX account. Upon, receiving this notice I sent a copy of my old driver 's license, paystub and insurance card bearing my marital name as well as proof of address. Because, this has been very damaging my credit profile. In fact, this defamatory remarks has hurt my opportunity to purchase a home. 

I have disputed this matter more than once.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (IL)

In late XX/XX/XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to XXXX. We began using XXXX XXXX XXXX in XX/XX/XXXX. 

XXXX XXXX CONTACT INFO JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XX/XX/XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. InXX/XX/XXXX they turned the account over to collections agency, Jefferson Capital. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to Jefferson Capital System. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NC)

Santander provided information back and is in accurate. They have dates and my name not spelled right. They also continue to deceive people. It 's deception and I was never told about a lot of this info. I have contacted them over and over. I have tried to resolve this without going to an attorney. They are subprime auto loans and should not be a company. They are very rude and also made numerous calls to my place of work.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/2022 XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX PA XXXX has opened homeowners policy to my name that I have never agreed to. I have never singed any insurance documents authorizing her open this policy with the XXXX. 

Since then I have had multiple phone conversations with different XXXX agents from XXXX XXXX where I have clearly requested to CANCEL the policy that I did not want to open to begin with. To my knowledge, they have canceled the policy at some point. 

I was very surprised when I received a Credit Collection letter in the mail just now, requesting me to pay {$120.00} for the policy that I did not want and under impression got canceled back in XX/XX/2022 per my request.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

The following Transaction IDs that I did file a dispute in PayPal 's XXXX XXXX they are all entitled to a XXXX XXXX  under XXXX by laws to use their logo my complaints keep disappearing from the Open and Closed XXXX XXXX  I have take the time to find them which in order to even find them I had to download a transaction history because for some reason they were not showing up in the online transactions. I think there are several others but this complaint is to demand that XXXX XXXX is now disputing all ATM transactions that are in the XXXX  day limit per XXXX by laws. 

XXXX, XXXX, XXXX, XXXX, XXXX, Transaction IDs that I am entitled to a XXXX XXXX BASED ON THE XXXX Day XXXX rules and regulations
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (GA)

I Opened An Account With Barclays US Credit Cards On XX/XX/2021. I Sent In Documents As Apart Of The Verification Process, My Social, ID, And Bank Statement, Via Fax. They Stated That The Signature On My ID And Social Did Bot Match. I Explained To Them That When You Sign Your Sig At The DMV Its Done On A Electronic Key Pad, And When You Sign Your Social Its Done With A Pen And Paper!! So Unless Im XXXX The Signatures Wouldnt Match. So I Sent In More Documents! Now Its Been XXXX Weeks And They Are Still Saying To Wait Theres Nothing I Can Do! Ive Already Paid My {$99.00} Annual Fee And CANT Use Or Enjoy The Benefits Of The Card Because Im Restricted
Consumer complaint received 2023-05-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.
Consumer complaint received 2020-05-05
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I refinanced a mortgage and finance the purchase of a new home with LoanDepot. This was in turn sold over and given over to LoanCare to service the loan and I recently learned that XXXX XXXX is the investor that bought my loan. 

I am writing with urgent need of help - LoanCare is harassing me for no reason - I am attaching couple can examples of how Loan Care is harassing me and how badly they treat customers. As one instance they are playing with my escrow dollars to pay for insurance that my building already has - at one point they too {$2500.00} from my escrow for insurance - it took over a month and 50 man hours in calls from me and the insurance company to finally get this money back in my escrow account. 

Another instance even though I was in Covid-19 forbearance for 2 months which I got out pretty quickly I paid in full and completely on time 2 weeks ago. Yesterday ( XX/XX/XXXX ) I get a letter saying that I was behind 37 days and had missed two payments. I had to waste 3 hours calling them just to find out that it was a mistake of their automated system ( had to put up with a customer service rep screaming at me and not wanting to hear my complaint ). I have multiple other examples of issues with flood insurance charges that are already covered by my HOA and have plenty of proof. Everytime I call them is at least 40 minutes on hold when they finally answer - they say its fixed, that it was an oversight in their part just to have another letter 3 days later threatening me that they will buy more insurance on my behalf because my building doesn't have enough insurance ( which is a lie and have to call them again ) - even though I already shared the insurance certificate with them. Loan care practices border on criminal harassment. For your records the loan numbers I am complaining about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( unit rented ) Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( I reside here ) Loan number : XXXX The latter one is the one I want escrow funds released back to me immediately - they are actually holding about {$1400.00} over my liability. My property tax liability is {$4000.00}. They are holding {$5400.00}. - I have all the proof you may need Please I need help - the stress Loan Care is giving me me is already causing health issues Thanks and regards XXXX XXXX XXXX XXXX : I am attaching a couple of examples of the type of harassing letter I get 3 times a week at least ( I have a credit score over 800 - never been late on a payment - so this type of treatment is new to me )
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I went into Experian dispute center to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are old/outdated personal information relating to credit report # XXXX that I do not want on my personal credit report there are U.S codes in place that allow me to update my consumer report. Experian is not letting me remove old information. I feel as if Experian is profiting off my personal information. I should be able to dispute old addresses that I do not even reside at. It is causing me emotional distress to not be able to remove information that they did not have my permission to make public. They are abandoning their grave responsibilities for greed and profits. They had no permission from me to furnish anything on my credit report but they continue to do it anyway.
Consumer complaint received 2020-10-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (MI)

Turned prior lease vehicle XX/XX/XXXX was told I would be told about any damage charge within a month never received an update to the app as I have anouther lease with them and checked monthly - paid flawlessly on that auto and current auto - come to find out there was a damage charge only received 1 letter months summer XXXX mid pandemic telling me it was sent to collections and then I went to look at app and it said it was a past due status! I have never been past due on auto I can pay amount in full but I want a correction to my credit burea to reflect current
Consumer complaint received 2022-08-11
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)

Date XX/XX/2022 XXXX has committed Fraud Pursuant 15 USC 1681B, I never gave XXXX permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Consumer complaint received 2021-09-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Hi, I had one checking account and two saving accounts at Chase. When I first opened account at La XXXX brach office of XXXX. They gave me a free safe deposit box as a bonus. But I never used this deposit box. About XX/XX/XXXX, I opened an investment account from the online banking. I did not do any trading since I opened the investment account. In XXXX XXXX, I got an email from Chase, they told me my investment account was changed to self-directly account. I was so wired : what kind of my investment account before? I opened it online, and did not came to any branch off and talked with any investment consult. This email let me feel uncomfortable. 

At the end of XXXX XXXX, I came to a Chase Branch to close all account, including the checking account, the saving accounts and investment account. The banker told me, she closed the checking account and saving accounts, but I need call Chase to closed the investment account. I called Chase. The agent told me, I have another investment account ending in XXXX, they could not close it, it was belong to finance dept. I was weird again. I went to a branch office again to confirmed if I have this investment account. The banker told me she did not fine this account. 

During I closed all accounts, I also call La XXXX Chase branch office. Because I moved from La XXXX to XXXX California in XX/XX/XXXX, it has over XXXX miles from XXXX  XXXX. I hoped I can discussed how to close the safe deposit box by phone before. But unfortunately, I called the La XXXX XXXX XXXX over 10 times during their business time within twodays ( Friday and Saturday ), no one answered it. Only one time, they answered, I told her my status, she let me to call Chase XXXX  hotline to settled. But the agent from XXXX hotline said the safe deposit box was belong to the branch office, I must to call them. I do not know how I could closed the deposit box. 

Two weeks past, I checked my online banking, and found that the investment account wass still appeared. I sent sercurity email to inquire about this status. They said, this account I could not to trade now, but they should kept the investment account about 18 months for the tax. I reply them, there has not the tax record because I never did any trade, on the other hand, they could kept the recorder by themself, why they still let the investment account at my online bank. They only reply that maybe the investment account kept less than 18 months if I never did the trading. 

For above, I think Chase have some thing is unreasonable, the service of La XXXX Chase branch office is not professional. 

Thank you for your attention and time Best Regards XXXX XXXX
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.
Consumer complaint received 2020-12-06
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Due to COVID-19 I have been in a monetary trench. I have been doing what I can to improve my credit with the goal that I can approach more assets. I am having extraordinary trouble reaching Experian and attempting to address certain data on my credit report. Experian has extremely poor correspondence, I didn't receive any updates, nor are they approving the data I am contesting. Because of the disregard of the credit agencies I have not been able to push ahead to calm a portion of the budgetary weight I've suffered during the recent months. I mailed correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no response. I would like to have these matters investigated and removed immediately.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate  said debt. I have never had a contract with XXXX XXXX, XXXX and therefore do not owe this company a dime!
Consumer complaint received 2020-05-05
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank issued an incorrect late payment on our mortgage. XXXX of 2020 reflects a late payment however the payment was incorrectly allocated to the prior months principal. We switched from online payment to a mailed check. It was received early and applied to the earlier month. 

We have spoken with them multiple times since XX/XX/2020. With the last phone call on XX/XX/2020 in which they agreed that the error was on their behalf. We received a letter dated XX/XX/XXXX that said they were researching the issue. They gave us an email address " XXXX '' to email for updates and reference '' XXXX '' in the subject line. We have emailed this address 2 x. The 1st time was XX/XX/2020 and the 2nd time was XX/XX/2020. There has been no response. 

We are unable to get a mortgage now for another home we are trying to purchase and suffered extreme hardship and loss because of this incorrect reporting.
Consumer complaint received 2024-02-23
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. (GA)

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}
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: Experian Information Solutions Inc. (TX)

address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury XXXX/XXXX