davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
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. (DE)

I have a credit card with XXXX XXXX bank with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX is the only one that has removed this account from my credit report, XXXX and Experian have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/XXXX - I filed a fraudulent dispute when several transactions posted on to my account from XXXX XXXX 

I called between XXXX XXXX about the status of the claim and was told I would get credit that Friday from those transactions. 

I called again XX/XX/XXXX, and was told it was still pending ... 

I have not received any documentation from US Bank regarding my claim - and it has been over 45 days and my account is still negative. 

I was told credits are posted in 10 days from the time claims are filed.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Lender Inc (TX)

I had an account with SelfLender back in XXXX. According to MyFico score reports, XXXX & XXXX showed a 30 day late status for XX/XX/2017, while XXXX showed a 30 day late status for XXXX. See attached. I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX appears to have added another 30-day late status to each of my reports. 

I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX  to furnish documentation to prove otherwise. 

Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.
Consumer complaint received 2022-09-13
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.
Consumer complaint received 2023-01-27
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. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX  days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-01-27
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. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX  days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

This account is not my account and I don't know who's been using this card or paying on it but its not my card. I've called Chase over and over but they haven't taken any steps to remove this from my credit report. Please remove this card from my report.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Hi We made account on coinbase in XXXX They conducted an initial verification. We passed and purchased ethereum. 
Now when the crypto currencies gained value again. We tried to sell. But they put the account on hold for " Review '' Been 45 days. 
4 attempts to make contact using their given contact info.

Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX XXXX # XXXX - my account has been in verification stage for a month now!!! 
XX/XX/XXXX, XXXX XXXX  Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX Case # XXXX - My account has been in review status for 7+ days XX/XX/XXXX, XXXX XXXX As per their rules and regulations XXXX XXXX XXXX Section 8 They haven't responded in 15 days. 

Crypto currency being volatile We have lost a mass $ XXXX To date the company has not responded or made any contact.
Consumer complaint received 2023-01-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Onity Group Inc. (SC)

Hello this is XXXX XXXX XXXX. 
My issue is not with the debt of the mortgage as the mortgage is paid off. The attorney will answer by saying he does not have to answer questions as the debt was paid off over five years ago. 

The issue is the attorney from XXXX XXXX who represents Ocwen loan servicing did not consider my request to not email me as I have vision defects from XXXX XXXX. I asked the attorney to call me in future and this did not happened. I was sent letters in large font I did not request. Under the Americans with XXXX XXXX I asked for him to accommodate me. This was a burden to him. Another occasion he hung up the phone on me and my XXXX XXXX representative. I contacted the ombudsman at Ocwen about my treatment from the attorney not considering my request for a phone call. I do not use email often or computers because of my vision and headaches. 
Ocwen ombudsman has never called me back after my complaint about the attorney. I am choosing not to use the attorneys name as I would not want to embarrass him. Under the XXXX act I had rights and never got any opportunity from the attorney how I would like communication.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

Citbank has been unwilling to do the right thing and correct their numbers as I try to finalize a refinance with another lender. I gave them the option to reduce my interest rate from 4.5 % to 3.0 % and they refused to help me a XXXX Veteran and Senior. Then after giving me a forebearance plan and agreeing to add the payments to the end of the loan they now make the claim that it is a second mortgage which adds interest, fees and claims that are untrue and complicate closing my refi. My loan amount balance, according to their own statement XX/XX/2021 is {$270000.00}. It has not been above {$280000.00} for the past year yet now they claim I owe {$290000.00} when it comes to a payoff. This is an inflated number on both principle and interest and adds fees that are just part of their attempt to grab more money that they have not earned and is not owed. I have tried repeatedly to get them to do the right thing and make fair and honest adjustments and they just send multi page documents full of words and not real facts so they can get more money and hold up my refinance. This is blatant greed and they are undermining my legitimate effort to save myself monies as I am on a fixed income as a XXXX Veteran Senior. I intend to file a lawsuit if they do not make the adjustment. It is in fact a form of discrimination and unethical and unfair practices.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (FL)

I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws.

XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX  hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval?

If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX   knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX   county Section-8 rent subsidized unit.

The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down.

This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive.

Attached is full description of the circumstance.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Skrill USA, Inc. (AZ)

These thugs SPAMMED me and they don't even have an unsubscribe link! 

Please investigate where they got my email address, why they sent me FALSE information such as " Important Information Regarding Your Account '' I don't have an account and this is commonly referred to as CLICKBAIT. I wasted my precious time on this fraud! 

I defaulted on my credit cards because you ( the government ) allow these criminals to prey on us. I decided that INSTEAD of working myself into an early grave, I'll simply STOP paying my credit cards and document WHY the poor get poorer and the rich get richer.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Oracle Financial Group LLC. (NJ)

I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2023-01-11
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card for Sam 's Club which is processed by Synchrony Bank. I have had problems with them before so I used my XXXX XXXX credit card for a purchase of {$100.00}. I paid that to XXXX XXXX but I received a bill with that amount from Synchrony Bank. I called them and reported that it was an error. They said they would check on it and get back with me. Several days later I got a letter saying that I did owe that amount and to prove it if I didn't. I am a XXXX XXXX XXXX XXXX senior citizen who can't deal with a company that bullies people. This is elder XXXX
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Plus Inc (NJ)

The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal
Consumer complaint received 2023-01-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (KY)

Started in XX/XX/2016 with {$220.00} payment to Ameritech. Then I paid {$200.00} for the next 10 months and I have been paying them a {$99.00} a month " service fee '' ever since.