davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
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: Colony Brands, Inc. (PA)

Today I received an inquiry from swiss colony where I was the receiver and not the buyer, My sister was ordering a gift towel set for me from there but did not use my SSN, just my name and address and somehow swiss colony pulled my credit report instead of hers.
Consumer complaint received 2020-07-18
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: Credit Plus Inc (FL)

My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

I have noticed a few charges to my work pay card that are confusing I have been charged and had money deducted from my accountnow account most recently {$160.00} on XX/XX/18 I actually just got card replaced after this happened previousely and I'm at a loss now as to why or how this is happening I don't even use Western Union. And I noticed a few XXXX rides charged to my card also but the Western Union deductions is what I'm most concerned about all in all it was almost {$300.00} with my prior check and {$160.00} with my next check.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (PA)

To explain this concisely- in XXXX I received a random credit card in the mail. When I called I was told it was merely an offer which I later learned was incorrect- as it turns out an existing account had been sold to their company. 

Since that time, they could not locate my XXXX payment and assessed a late fee. Both were later corrected however a second late fee then posted in error on XX/XX/21 and suddenly theyre trying to say that I am a payment behind which is not true. My invoice correctly shows a payment of {$35.00} due however, when I logged on to pay it, it mysteriously indica that {$35.00} was past due was a total due of {$70.00}. Not accurate. 

I have since paid {$35.00} ( for my XXXX payment. ) They have corrected my late fee but today I received a letter from XX/XX/21 ( the date the late fee posted ) that a payment was returned for insufficient funds. This never happened. Totally false. No payment was ever returned for insufficient funds. 

Everyone you get on the phone says something different. I have to start from the beginning each time. No one calls back. A person who isnt on top of their affairs and/or who isnt savvy in handling problematic issues like this would easily fall victim to the myriad of false information presented by this company. Whether their business practices are purposely deceptive or they are just truly inept, there is a huge problem with the way this company does business and it should be looked at.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Consumer complaint received 2020-07-18
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: Santander Consumer USA Holdings Inc. (FL)

Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
Consumer complaint received 2020-10-20
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 have disputed an fraudulent bankruptcy on my account 3 times in the past 90 days and the credit bureaus keep coming back as verified. I asked for proof of my Signature and the paperwork they have on the bankruptcy paperwork and for them to provide it and they have yet to send proof of this. This is not mine nor did I authorize anyone to file a bankruptcy on my behalf. Ive reached out the bankruptcy court on my credit report and they have stated they do not have a bankruptcy in my name nor do they provide info to any 3rd party concerning bankruptcy. I disputed this account through CFPB Over 30 days ago and they came back with I was a credit repair company working on it. I am an individual and this has been one of their stall tactics. Ive called twice to dispute and even sent out 2 letters. This is unacceptable.
Consumer complaint received 2020-07-18
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: CBC Companies, Inc. (FL)

Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
Consumer complaint received 2017-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

I am behind on my mortage and currently in the process of a cash sale of the home. On XX/XX/XXXX I found that the mortage company loandepot had sent XXXX XXXX XXXX XXXX to my house. They removed my realators lock box removed a door knob and changed the locks to my house. I am only 3 payments behind and a foreclosure has not been started. They also filed a claim to my homeowners insurance without my permission. They trasspassed onto my property and forced entry into my residence without permission. I called XXXX XXXX XXXX on XX/XX/XXXX and was only able to leave a message. XXXX XXXX XXXX called back on XX/XX/XXXX and said the mortage company had the take pictures, change the locks and do some repairs. I told them they had no permission to enter my property and they just said call your mortage company and hung up on me. I called my mortage company on XX/XX/XXXX and advised them they did not have permission to lock me out of my house or instruct someone to force entry into my house or property. They said they would try to have someone contact me with the lock box code and also gave me a code to try. I advised my realator of the infomation.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX received a update on my credit karma app to see XXXX derogatory marks removed from my credit report which was XXXX XXXX and XXXX including many inquiries that was removed as well. 
about 2 hours later the derogatory marks and inquiries was added back to my report. I also have proof of letters send to the creditor with USPS tracking number XXXX
Consumer complaint received 2020-07-18
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: Credit Plus Inc (FL)

Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On the XXXX of XXXX, I received an " Potentially Negative - Major Derogatory '' alert via the XXXX XXXX. The " Potentially Negative - Major Derogatory '' was a bill for an ER  visit on XXXX XXXX   2019, that was approved and paid for by the Veterans Administration. I contact the Veterans Administration ( VA ) on the XXXX of XXXX, and they contacted ( along with me on the phone ) XXXX XXXX XXXX XXXX XXXX and told them that the account was paid in full. The VA  representative provided them with the details ( check number, date sent via EFT, and the amount ) of the payment however, XXXX XXXX XXXX XXXX XXXX in conjunction, with the phone call asked me to provide them with a letter as discussed in the phone call. I sent my statement with the summary of VA payment indicating with service was paid in full. On the XXXX of XXXX, I submitted a credit dispute via Experian ( Report Number XXXX ) Experian and was told on the XXXX of XXXX that results " remain '' - Negative. I provided Experian with " Summary of VA Payment '' with my dispute so I am surprised that they let this stand. 
Therefore, I am requesting assistance since I don't what else to do especially since the VA states that ; " The provider may not bill me or my health insurance carrier for any services that were authorize and paid by the VA. ''
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Order XXXX XXXX, 2017 Product : Monthly software subscription service Amount : {$160.00} per month Status : Working software subscription service NEVER delivered. 

Actions : By me - filed fraud claim with Bank of America By BAC - none known
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (GA)

I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I believe Navient is liable for negligence in informing its clients about the Public Service Student Loan Forgiveness Program. I've worked in public service after paying student loan payments to Navient on two loan  consolidations. I found out about the PSLF program in 2007 when it was announced and for 10 years have planned to take advantage of the program after serving various nonprofits. 

I applied and they declined my application saying that my loan type didn't qualify. I believe they were negligent in that nowhere on my account online does it state what type of consolidation I have on my loans. It only says XXXX Consolidation and XXXX Consolidation. How would I assume that my loans wouldn't qualify for this program? Since Navient ( formerly Sallie Mae ) doesn't specify the loan type on your account how can you possibly determine your candidacy for forgiveness.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TN)

My adjustable rate mortgage can not be raised more than 2 % per year. BSI financial sent me a notice attempting to raise it 2 5/8 % a year. I have called several times to talk to the people who do not return my call. 

BSI has already settled with the CFPB for failing to enter interest rate loan adjustment data correctly. A class action lawsuit needs to be filed against them on behalf of all people similarly situated.
Consumer complaint received 2021-03-01
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There 's XXXX credit card record. 
I have only XXXX!!!! credit card. 
Also there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? 
Thanks
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-23
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)

I am currently seeking assistance in my investigation I am i victim of identity theft. When I turned XXXX I was seeking credit and was shocked to see a credit profile was already created and destroyed and now I have to out my dreams on hold of becoming a business owner because my credit is in shambles.
Consumer complaint received 2021-07-15
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: Eastern Account Systems of Connecticut, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-07-18
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: Santander Consumer USA Holdings Inc. (NE)

The are reporting a collection account with Santander Consumer bank in the amount of {$19000.00} on my XXXX  and XXXX credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

I keep getting phishing emails claiming to be paypal. They say my account is on hold until I verify information. I went to my account and it wasn't on hold. I have sent several of the phishing emails to spoof @ paypal. Today I had a chat with paypal twice and was told they would transfer me to an expert. When transferred it was for a 7 day trail for {$5.00}. I wrote paypal and they told me to go to their resolution center and file a complaint. The complaint wanted to know the who the seller was, problem, when I purchased the product, the transaction ID, reason for dispute, and to give additional information. It said after 20 days they would investigate the with the seller and I could file an escalating problem. If it wasn't resolved they would take note of it. This was totally irrelevant information. I wasn't going to click where it said verify because that would open my account up to all my information. I don't know how to get these phishings to stop.
Consumer complaint received 2020-07-18
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. (NE)

The are reporting a collection account with XXXX XXXX XXXX  in the amount of {$19000.00} on my XXXX  and Transunion   credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Consumer complaint received 2020-07-18
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: BMW Financial Services NA, LLC (FL)

I authorized an agent at a BMW retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.