davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
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 (VA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of an outstanding debt related to a fraudulent account established with SYNCB/XXXX XXXX in the amount of collection is {$6300.00} dollars. An official dispute of this account was sent to SYNCB/XXXX XXXX   XX/XX/2018 however as of this date SYNCB/XXXX XXXX has not replied or responded to the dispute which is a violation of the FCRA.
Consumer complaint received 2017-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.
Consumer complaint received 2023-01-28
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. (OH)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX
Consumer complaint received 2020-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 hard inquiries I have already disputed more than once with XXXX in writing for XXXX/XXXX that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to XXXX/XXXX and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX   on XX/XX/XXXX and have also disputed more than once directly to them. 

I have 2 hard inquiries reporting to XXXX that I also never authorized from Kohls/XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with Kohls and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report No XXXX
Consumer complaint received 2020-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Dear CFPB, I am writing today because US Bank is not processing my payments in a timely fashion or correctly. I have filed complaints in the past and US Bank gave back a little after I filled a complaint with you. I stared my loan modification with them back in XXXX. It ran on and on I complied with all their request. I finally gave up hires a lawyer and filled litigation against US Bank. Case #  XXXX in XXXX XXXX County. All seem good had a demure hearing scheduled XX/XX/XXXX XXXX. My lawyer failed to show we lost the demure hearing and US Bank immediately filed a Notice of Default against me. I was done with loan mods and lawyers, so I sold some of my retirement stock to get the money together to reinstate my US Bank loan. 
At that same time the world was hit with COvid-19 and US Bank sent out they would offer a temporary forbearance on payment because of the pandemic. I applied for the relief. Her on comes the first problem. 
1. First reinstatement figure was {$230.00} expired on XX/XX/XXXX the day I was released from the hospital 2. Second reinstatement figure was {$250000.00} Expired on XXXX XXXX at which time I ordered a demand to see why it was {$250000.00} to reinstate a loan with a balance of {$490000.00}. This is when I applied for the forbearance because of the pandemic. and I felt that would give me enough time to liquidate more assets to pay the extra {$19000.00} it had increased in 45 days. 
3. Got the money together finally and then I get an even higher reinternment figure of {$270000.00} that would be good thru XXXX XXXX After going thru that and watching it increase approximately $ XXXX a month I borrowed and sold everything I could and came up with the {$270000.00}. I went to US Bank and bought a cashiers check per their instructions since they would not accept a wire. I then overnighted I to them and have included proof of the check and their receiving it. 
After 3 weeks of nothing from them and they are still reporting me delinquent to the credit bureaus and they still have the NOD recorded against my property. I have sat on the phone for hours with them get transferred all over XXXX and nothing. No one can tell me what my payment is or when I will receive a statement or when the NOD is going to be lifted. 

Then on XX/XX/XXXX I finally get a statement from USBank which I have enclosed showing I have 17 days to make an additional payment of {$280000.00} and this HELOC does not mature until XXXX. The payment for the next 6 years and 3 months should be a lot less the {$280000.00}. 

1. What I am looking for is a realistic payment based on my actual balance and current rate of 3.25 % for the remaining term 2. Correct the delinquent reporting on my credit so I can refinance and get away from US Bank. 
3. Remove the NOD recording against my home at XXXX XXXX XXXX XXXX XXXX Ca XXXX Feel free to call me if you have any questions XXXX
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My complaint is two fold. The fee I was erroneously charged and the magnitude of difficulty involved to reach a customer service rep to remedy the wrongly assessed fee. I was charged a {$1.00} fee. I have two transactions on this card. One is a ongoing balance transfer on 0 % APR through XX/XX/2019. The other was a regular purchase done on XX/XX/XXXX on my current stmt due XX/XX/XXXX. After having difficulty with the automated system to reach a cust svc rep, the system gave me two choices. Get called back in 2 hours or hold for 2 hours. I opted to hold. I held the line for 3 hours until I finally got a rep oh the line, who proceeded to give me false info for why the fee wascorrect. It's only because I am knowledgeable about the methods for how interest and fees are assessed and how to avoid them that I was able to cut through the obvious lies I was being told to substantiate the fee. The rep finally admitted I was correct that I shouldn't have been charged the {$1.00} fee. He then said what would you like me to do. I told him, his name was XXXX ... credit back the fee to my account. He did and seemed annoyed that he'd have to do this. This entire process underscores a seemingly deceptive practice by BOA, Bank of America, to wrongly charge a fee low enough that most consumers wont bother to spend the time to follow up on it, and then another deceptive practice to make discussing it with a rep so difficult and time consuming, they give up and then for those like myself who ride out the 3 hour hold time, another deceptive practice of training their reps to give knowingly false info to justify the fee. The rep absolutely lied to me three times, giving me false information to tell me why the fee was correct. I am confident most consumers lack the knowledge needed to be able to tell the rep why what they're being told is wrong or not applicable in theirsituation. While the fee incorrectly charged was nominal, if the deceptive practices I described are done en mass, this becomes a mass scale fraudulent practice to collect revenues not due to BOA. It is beyond unacceptable to have to hold for 3 hours to get a customer service rep on the phone. Its some to get the consumer to give up and let BOA just keep the {$1.00}. I was further aggrieved to be lied to over it.
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I was told when I got the loan that it would be 75-80 dollars a month payments. The payments are actually almost {$300.00} a month. Every time I tell them I ca n't afford the payment they defer the loan. All the while the balance is still going up because interest is accruing.
Consumer complaint received 2023-02-08
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. (FL)

They are reporting this account and have removed it and put it back on my credit report, there was no letter to me within XXXX  days why it was put back on, this is a violation of FCRA. I need that letter and I need the documents that they say verified the entry. 
The company has never verified or validated this debt. I need the full investigative report, period. 

THIS XXXX  IS IN COLLUSION WITH THE DEBT COLLECTOR AND THEY ARE BOTH IN VIOLATION OF FCRA AND XXXX. 

MY RIGHTS ARE BEING VIOLATED.
Consumer complaint received 2021-08-09
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: Kikoff Inc. (AL)

Kikoff is reporting to XXXX  that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

I contacted Equifax today XX/XX/2020. They essentially told me that in order to have any access to services I needed to pay a fee. I am needing to place a freeze on my account due to ID theft ( already reported ) from  Texas unemployment. Even after explaining this situation they essentially told me that I would have to pay {$5.00} for trial access.
Consumer complaint received 2020-09-14
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. (DE)

My wife and I have a mortgage with XXXX XXXX. Due to the COVID-19 pandemic and loss of income from my employer, we took advantage of XXXX deferment program for 4 months. We were specifically told that using the deferment option would not have a negative effect on our respective credit scores. We just recently started to pay the mortgage again ( XX/XX/2020 payment ). Both my wife and I were shocked when we received alerts that our credit scores has dropped ( 4 points for me and 27 points for my wife ) due to significant delinquency reported by XXXX XXXX   company. On XX/XX/2020, I called XXXX XXXX  to complain. The customer service representative stated that XXXX was under the impression that any data shared with the credit bureau was NOT to impact our individual credit scores. The customer service representative stated he was sorry, but once the information is shared with the credit bureau, it is out of their control what the credit bureau does with the data. I feel that we were mislead and thus, we are filing a complaint.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately.

Please Remove Hard Inquiries listed Name of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Name of Inquiry : XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2021-04-25
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)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-04-01
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)

my loan is with XXXX XXXX XXXX. They show missed payments on my credit report when i have never missed a payment. my payments are automatically taken out of my bank account. I was late in XX/XX/2016 due to a change in my job and paydate, which i rectyfied immediatly and the payment was made a few days late and all future paydates adjusted. I ave never been late before nor since then. i have provided XXXX with statements of the 6 missed payments they claimed. though as of yet they have not been fixed. they want to discuss, though there is nothing to discuss and i told them i'd be happy to discuss via email so i have a written back up as i do not trust anything they do. no further response from XXXX.
Consumer complaint received 2020-05-14
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. (OH)

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : VSP, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (LA)

Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full
Consumer complaint received 2018-07-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GSA Commercial Asset Management (CA)

Good Morning These people have been calling my mom and even my ex-husband whom I haven't spoken to in eight years. I was divorced in 2011 and just recently got a call from him saying, " these people keep calling my phone asking for you. '' " How did they get my number? '' I told him I haven't taken out any payday loans in a while, and if I did, I'd never list him as a reference. I have not personally received any call from these people, which is even more strange. I checked the number online, and it said they were scammers. I am reporting this due to the harassing phone calls my mom has received, as well as my ex-husband who told me he just got a new number and has no idea how they got it. 
Here is another number they've called my mom and ex-husband from XXXX. Thank you for resolving this matter.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I had fraud on my debit card in mid XXXX. I filed a claim with Chase and Chase is still refusing to refund my account for the fraudulent charge. The charge was for XXXX XXXX XXXX {$86.00}. IChase denied my claim. I filed a complaint with cfpb and they still with will not refund the charge. I DID NOT MAKE THIS CHARGE. I have not idea what XXXX XXXX XXXX is and I never done business with this company before. Please let Chase know I emailed a complaint regarding Chase to my local senator XXXX XXXX. I also emailed my local TV station 's tip line XXXX news XXXX regarding Chase 's misconduct. I did not make these charges and Chase is required by law to refund me. If Chase does not refund me my next step is too sue via small claims court. I also plan on continually filing cfpb complaints until my money is refunded.
Consumer complaint received 2022-04-05
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. (TX)

In accordance of the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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 2021-09-14
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I notified the CFPB and Experian that I am a victim of identity theft. Experian 's response is that they need authorization to proceed with my complaint. I did check off the box at the end of the submission that say 's I give auth. therefore, I XXXX  XXXX give Experian authorization and permission to proceed with my complaint. Please see attached FTC and identification and social security card
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

Terrible company closed all of my accounts and atleast 12 different people I know during the pandemic theres business and then there is heartless and just completely rediculous even if my issue is resolved definitely plan on making sure their actions are made very public Creditors established payment arrangements for people and were naturally backlogged in getting the updated with the bureaus i was clearly never late prior or since they shutdown my Wayfair Card much like everyone zero warning then when you got to make a payment they act like youre bothering them. Went to use express card says I cant must have closed that with zero notice to customer service rep said its still open but unfortunately community is very inconsistent Your own employees haha They already decreased my express card twice in a 3 month period meanwhile always pay early its paid off completely and was used recently
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

XX/XX/2020 I submitted to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  that I had paid my bills for XXXX XXXX MD directly to his billing office at UT XXXX XXXX Texas. I submitted letters of proof, including letters from UT XXXX XXXX XXXX XXXX. 

Now, XXXX XXXX has sent me a letter from CommonWealth Financial Systems asking for me to pay them when this debt was paid in full and cleared with a final balance of {$1.00} on XX/XX/2020 and I submitted their proof back on XX/XX/2020. 

I need for this fraud to stop as this debt has been paid and they keep placing this debt on my credit report I have had to have this debt removed three times to date.