davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2020-10-22
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: National Credit Systems,Inc. (TX)

I have sent a debt validation letter and XXXX XXXX dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
Consumer complaint received 2020-10-22
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. (PA)

I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Attempted to purchase tickets online to an event from an individual. After a lot of back and forth, I sent a payment in the amount of {$370.00}. The person " didn't receive it '', but conversations with XXXX and the bank and supports XXXX indicate otherwise. XXXX states that they do not provide protection in this case.
Consumer complaint received 2018-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (MO)

Dear XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service This is XXXX referring about NOT HAVING MY CARD ACTIVATED THOUGH XXXX XXXX EVEN THOUGH FROM EXPERIENCE MY ACCOUNTS NEVER GOT BREACHED BY MY EMAIL BECAUSE MY EMAIL IS SECURE AND ENCRYPTED AND FROM MY EXPERIENCE WALKING IN TO YOUR BRANCH ( US BANK ) I SAW THE MANAGER ACTIVATE HER CARD BY USING A CODE SO WHY ARE YOU LETTING EMPLOYEES ACTIVATE THEIR CARD BY THEM SELF 'S AND NOT LET THE CONSUMERS DO IT TOO THAT MEANS I HAVE TO WAIT ON A SILLY REP TO ANSWER AND ACTIVATE MY CARD FOR ME INSTEAD OF ME ACTIVATING IT MYSELF SINCERELY XXXX XXXX
Consumer complaint received 2021-09-15
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. (PA)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.
Consumer complaint received 2019-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TX)

Why is there a shortage in our monthly mortgage installment payments before the escrow tax was assessed in XX/XX/2019? 
The response includes shortfalls from XXXX, XXXX & XXXX, when we were paying hundreds over the amount owing to cushion the shortfall to be assessed. 
Why does the escrow shortfall amount and the monthly mortgage installment amounts due keep changing every time they are assessed? 
Why has the accurate amount not been reflected to this date when it has been 10 months? 
Why do we have late fees and adverse credit reporting when we have not had an accurate amount for shortfall and monthly mortgage installments? 
Why are our monthly mortgage installment payments not being credited to our account? 
Why do we not receive monthly mortgage statements before balance is due, with amount owed and payments applied?
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

I contacted Ally on Friday XX/XX/XXXX after falling behind on payments due to being out of work for a short period of time due to an illness. I chated with a representative after logging into my account regarding my opitions to ensure I protect my credit and bring my account current. 

She advised me that before an extenstion could be done, I had to make a payment in the amount of {$270.00}. I reviewed my finances, as I am playing catch up on all my bills and made this payment on Monday XX/XX/XXXX. This rep advised me, once this payment posts to my account to contact Ally back for an extention or to have a payment deffered to the end of my loan. 

With this in mind, I contacted Ally again today and chatted with XXXX. I explained all of the above and the information I was provided when I chatted with the rep last week. She asked several questions and advised me that a one or two month  extension/deffered payment could be done however partial payment is needed! WHAT? She advised me {$230.00} or there abouts would be due within 10 days from me accepting the agreement and then the remaining bal of {$150.00} or there abouts would be due in XX/XX/XXXX. In XX/XX/XXXX, my payments of {$380.00} per month would resume. 

If this was the case, I SHOULD HAVE JUST BEEN OFFERED THIS WHEN I JUST MADE MY PAYMENT so that I could catch up on my bills. 

This company was working with XXXX in New Jersey which has since closed most likely due to illegal practices, they changed my loan company to this company after I had signed paperwork for another, kill you with interest rates and has NEVER once considered refiancing my vechile for a lower interest rate ( due to the age of the vechile other companies will not take it ) and THEY DO NOT WORK WITH YOU!
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

The CRA is showing a collections account for {$130.00}. 

I spoke with the company in XX/XX/XXXXbecause information appeared on my credit report that was new. I asked the company to validate the information but they refused I spoke with XXXX XXXX on XX/XX/XXXX and explained that I DID NOT RECEIVE a letter and notice to dispute the account because the collection agency sent information to the wrong address. The collection agency failed to provide validation of the debt and continues to report inaccurate information to the credit bureaus. XXXX XXXX stated that there was another account with my name for {$530.00}. When I asked her where she had sent the notice she refused to state the date and the address that the notice was sent to.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have two sons one wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and XXXX  XXXX and Equifax I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (NY)

I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information.
I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped.
I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
Consumer complaint received 2023-01-20
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. (MI)

To whom it may concern, Transunion is defaming my character by furnishing inaccurate information and without my direct written consent. They are damaging my livelihood as well my character.
Consumer complaint received 2023-05-30
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. (TX)

I am submitting this CFPB Complaint to strongly correct the inaccurate account in my credit file, and I demand their immediate and unequivocal correction from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. This inaccurate account is clearly inaccurate, and its presence is such an error on my file. Let me be perfectly clear : I have already reported this inaccurateness activity to the appropriate authorities and provided all necessary documentation. I have also requested that the creditors responsible for these inaccurate account investigate the matter and correct it from my credit file. The account should be corrected right away : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I authorized a purchase of an e-learning course by XXXX. The company did not uphold its terms and agreements after my purchase. I was not delivered the material I purchased. Naturally, I canceled my course ; and disputed my purchase with Wells Fargo. Wells Fargo credited my account {$590.00} for my purchase on XX/XX/2020. Two months later, on XX/XX/2020, Wells Fargo denied my claim and took back their credit without notification. Upon filing my claim, Wells Fargo would not accept documentation proving fraud. They also wouldn't reopen my claim ( despite proof ). This is negligent. 

I have no way of contacting the merchant, as they've stopped responding to emails. As {$590.00} may be a small amount to some, the fraudulent activity has had a negative impact on my life. I'm coping with this fallout while experiencing an impact from XXXX. My account is severely overdrawn and is being penalized for being overdrawn. 

Wells Fargo should not have credited my account with {$590.00} if the claim wasn't won. This is irresponsible to say the least. Let alone, they didn't update me on my claim as the process continued. Wells Fargo made it appear as if my claim was won back in XXXX. I had no idea the claim was still open.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it. 

This is shown from my deposits and daily balances during this period. 
Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT,  ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit. 
There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account. 

I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later. 

I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months. 

Help recovering this huge discrepancy is greatly appreciated.
Consumer complaint received 2020-10-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.
Consumer complaint received 2020-10-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (OH)

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Around XXXX and XXXX and XXXX of XXXX, I sent a package to Transunion and XXXX and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (AL)

EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NC)

I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.
Consumer complaint received 2022-01-08
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. (GA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX