davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX, I called Transunion to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him what happened and how the US Rep was deleting unauthorized inquires and could he continue. He told me that he could n't do it. Again, I explained that the other US Rep was in the processing of deleting these unauthorized inquires. However, he did not care. Needless to say, he did n't help me with what the other US Rep was more than willing to help me with. There 's XXXX inquires from 2016 from car loan places. None of these places had my authorization to pull my credit or anything relating to this matter.
Consumer complaint received 2017-11-29
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: EQUIFAX, INC. (NY)

List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

Company is illegal hold my flood loss draft insurance checks for my properties. I won the case in XXXX county Supreme Court and Ocwen is harassing me without Federal Truth In debt collection act. Ocwen illegally patern my life for money along with New York State Department of Finance. Hold  funds in escrow without legal reason. Alleged collusion with XXXX insurance for my property damaged claims check.
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

XXXX XXXX XXXX XXXX Debt Relief Announcement The XXXX XXXX announced on XX/XX/XXXX, that up to {$20000.00} is being provided in federal student loan debt-cancellation for loans held by the U.S. Department of Education ( ED ) . We will continue to update our website with information as we receive it and provide answers to commonly asked questions. For additional information, visit One-Time Student Loan Debt Relief and U.S. Department of Education Subscriptions to sign up for Federal Student Loan Borrower Updates . 
XXXX AES/PHEAA continues to solicit this false message despite the integrity of this " plan '' being skewed remarkably by the XXXX XXXX. PHEAA should not be engaging in misleading borrowers into thinking this is a go when a Federal Judge just blocked it from being legal. Even if this does become legal, it is not legal right now. PHEAA should not be giving borrowers a promising statement when the reality is nobody knows what is going to happen. More than likely, it will be tossed. The Economy is already destroyed due to the XXXX XXXX 's inexplicable failure. Impeachment trials have a strong likelihood of succeeding beginning in XX/XX/XXXX. 

XXXX rejected the XXXX administration 's arguments that, in a law known as the XXXX XXXX, Congress had already given the president the power to erase student loan debts in a time of national emergency and that the XXXX pandemic is just such an emergency. 

Per XXXX XXXX XXXX : " In this country, we are not ruled by an all-powerful executive with a pen and a phone, '' XXXX wrote XXXX " Instead, we are ruled by a Constitution that provides for three distinct and independent branches of government. ''
Consumer complaint received 2024-03-16
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. (IL)

An unauthorized transaction in the amount of {$500.00} was performed on my checking account that I DID NOT approve. This happened on either XX/XX/XXXX or the XXXX 2024. The bank clearly ignored the fact I was already overdrawn and allowed this amount to be sent to a closed credit card account, again without my knowledge or approval.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-03-23
Product: Credit 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 (VA)

I am a victim of Identity Theft. I had thousands of dollars of fraud on my personal checking account and multiple credit cards. I reported this fraud to PayPal where I have a credit card and a PayPal Credit account. I reported fraudulent transactions from XXXX, there is a transaction for XXXX and for XXXX XXXX. I didn't ever hear back from PayPal, and now I have received a letter stating my account closed due to too many returned payments. I have my account set on autopay for my XXXX subscription and apparently not only have I been making monthly payments for fraud, there are also payments from fraudulent bank accounts. My credit has tanked, and I would appreciate some help with this.
Consumer complaint received 2021-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (MD)

I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making XXXX XXXX  aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from citi bank to XXXX XXXX yet Citi bank denies credit to the the person that extended credit. Upon social account number and my signature pen on that application citi bank used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent a letter specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant
Consumer complaint received 2017-11-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/17, my savings account was charged a {$5.00} " maintenance fee ''. I have had this same savings account for over four years, and have never been charged a maintenance fee.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

PRO COLLECT Last reported XX/XX/2021 {$480.00} Reported balance Original balance XXXX The above account is not my account. I do not know who it belongs to. Please remove off credit profile.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I called Capital One on XX/XX/XXXX and asked for my XXXX annual fee to be waived. The customer service representative graciously obliged and recommended that I call back in approximately one year to inquire about a potential downgrade if my card usage remains low. The annual fee was never waived as a result of this transaction. I called again on XX/XX/XXXX to ask that the fee be waived as I was told it would be on XX/XX/XXXX and no action was taken. The customer service rep performed a call review and confirmed I was told of the waiver on XX/XX/XXXX and immediately reversed the annual fee. On XX/XX/XXXX, I called to request an account downgrade to a no fee product ( per my instructions rec 'd a year earlier on XX/XX/XXXX ) The customer service representative on XX/XX/XXXX told me that no offers for a downgrade to a no fee product were available. 

I am not alleging a Reg Z violation has occurred - Capital One has clearly disclosed my annual fee as required in Account Opening Disclosures and the CMA and has no regulatory obligation to downgrade my account to a no fee product ( XXXX, for example ). I am alleging that a UDAAP violation has occurred. I believe it is unfair to offer downgrades to certain customers and not others. It was deceptive to instruct me on XX/XX/XXXX to request a downgrade in approximately one year if I'd like to avoid the annual fee in the future and proceed to not honor that request.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.
Consumer complaint received 2023-01-26
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-11-29
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. (GA)

I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Open up XXXX XXXX XXXX credit card account inXX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with XXXX XXXX XXXX and few months later it was denied by them and they marked the card as ' as lost ' and i called XXXX XXXX XXXX and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from XXXX XXXX XXXX and i check my credit score and it went down to XXXX from transunion and i called XXXX XXXX XXXX on the XXXX of XXXX and asked them to email or send a letter to 3 major  credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my transunion  credit report
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC (TX)

XXXX D & A SERVICES , LLC - I HAD SET UP A PAYMENT ARRANGEMENT WITH THEM FOR CREDIT CARD DEBT FOR XXXX  XXXX XXXX, REPRESENTATIVE IS XXXX, HOWEVER I HAVE BEEN EXPERIENCING NON STOP DEBT AND STRESS, ILLNESS ISSUES, I CALLED THEM AND TOLD THEM TO STOP THE PAYMENT UNTIL IM BACK ON MY FEET, XXXX WENT AHEAD AND DEBITED MY ACCOUNT WITHOUT MY CONSENT AND PUT MY ACCOUNT INTO OVERDRAFT, I CALLED HER UPSET ABOUT IT AND SHE SAID NOTHING, THEN SHE THREATENED ME AND SAID I F I DONT PAY IT XXXX  XXXX XXXX WILL SUE, E AND TAKE ME TO COURT, CALLS ARE RECORDED SO WE CAN GET THOSE CALLS
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (VA)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.
Consumer complaint received 2017-11-29
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: PRESTIGE FINANCIAL SERVICES INC (AL)

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial XXXX/XXXX/XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; 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 2017-11-29
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: Exeter Finance, LLC. (AL)

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-11-29
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: Continental Finance Company, LLC (FL)

My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.