davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

I discovered a fraudulent transaction on my bank account. It was completed electronically through my bank without my knowledge. The company is XXXX XXXX XXXX XXXX. When I called their toll free number ( XXXX ), a  service answers that does not identify the company but placed me on an extended hold. 
I researched the toll free number and found this site https : XXXXXXXX XXXX At the time I looked, there were 21 reports of fraud by this company in the span of 13 days with at least three different banking institutions. It appears that they may have hacked or otherwise found a way to access accounts from M & T, XXXX, and XXXX XXXX XXXX  at a minimum. The individuals who said they were able to speak to a person from the toll free number stated that that person could not identify the companies that charged the funds but that it was for random internet sites. All of the complaints had similar small amounts of funds taken without their knowledge. 
NOTE : Step 4 of this process required that I name the company the complaint is about. This is not possible since the company is a FRAUD and is not listed in your system. Unfortunately, I had to enter the name of my bank.
Consumer complaint received 2020-05-01
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. (FL)

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The Citizens Bank charged me over {$800.00} NSF fees for XXXX and over {$900.00} NSF fee within 4 month XXXX. I have talked to them several times and they said, that could remove some of the fees, which still left me a balance around {$600.00}. I called the bank and left messages of my situation. 

I had direct deposits from my checking account to pay bills, and all of the bills was charged many fee and returned back to the credit card company. In XX/XX/XXXX I got another job. I started to get back on my feet by making arrangement with the credit cards from my Citizen Bank account. However, the company terminated my employment because of the XXXX XXXX. 

I called Citizens Bank and kept them up to-date with my situation. However, they continue charged me many fees. Last XXXX I had XXXX XXXX XXXX, and had been previously laid off from XX/XX/XXXX until XX/XX/XXXX. My account was charge a {$37.00} NSF fee each time, plus {$30.00} thereafter until the bill is paid. 

I am a senior citizen, who have filed 2 months ago for unemployment and have yet to received any money ( State office is working on it still ). All of my living situation is passed " Urgent ''. Many of my credit cards have said they can not help me. They have no assistant and have closed many of my cards. Up to this crisis, I have never had a late payment in any of my credit card, and always paid everything on time.
Consumer complaint received 2018-06-25
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. (AL)

I sent a certfied letter to the company XX/XX/2018 I Have Notified This Company By Certified Mail They Responded Back By USPS With A Letter Stating They We Unable To Locate Any Acct For Me ...
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.
Consumer complaint received 2023-07-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (MD)

Im in the process of process a loan modification and the servicer ( Veterans United ) continues to employ delay tactics to finalize my process. Ive been asked to submit the same document ( XXXX and XXXX back statement showing paid rent on another property ) 5 times, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, and each time Im told that the rep has verified the information. I suspect the delay rate is because of the interest rate. 

Today, XX/XX/2023, I was told to wait until my XXXX statement is posted in order to process the request again. Im told that the XXXX statement is now, and how convenient, is expired. 

I find it ridiculous and irresponsible for Veterans United to continue to employe these delay tactics.
Consumer complaint received 2021-04-24
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. (NJ)

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX XXXX  .... See attachment!!! 

On Transunion they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX  they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My mortgage loan and purchase contract is going to a breach because Equifax decided to put a fraud alert with a decades old number on my credit file. All alerts were removed and my personal information updated when I started this mortgage process. Of the 3 bureaus this incorrect information only reappeared on Equifax. Depsite overnighting the written request and ID to remove the friUd alert and update the telephone number to XXXX Equifax continues to loop me around when I try to call in
Consumer complaint received 2022-09-13
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. (MI)

I an a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is govern by 15 U.S.C 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts XXXX Card Services XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (CA)

There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all 3 credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (VA)

Hi, this is regarding my request for refund on all my XXXX loan payments made during the payment freeze from XX/XX/2020 till present, total of {$6000.00} at EdFinancial. I have called customer service line multiple times asking the estimated time for refund to be issued and total loan balance to be reinstated in order for me to apply for forgiveness in a few weeks. No one had offered me an estimated timeline and stated that they did not know how long this would take. Whereas other student loan servicers such as XXXX and XXXX XXXX who offer refund to be expected in 4-6 weeks from sending in refund request. This can be very confusing and misleading for me, which can cause significant financial loss if my total loan balance is not updated before I have to apply for forgiveness.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
Experian has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
XXXX  just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I have had a banking relationship with Chase for many years. I wrote a check to XXXX XXXX from my Chase account for {$150.00}. The check was cashed by XXXX XXXX XXXX  for an XXXX XXXX. I do not have a banking relationship with XXXX XXXX and neither I or XXXX XXXX knows anyone named XXXX XXXX. 

I have gone back and forth with Chase Bank for nearly 5 months to reimbuse me for the {$150.00} that was not disbused in accordance with my instructions. After 12 phone calls, including speaking to a manager twice, I have not been reimbused. 

Chase indicates that they are still waiting to hear back from XXXX XXXX. As I noted, I do not have a relationship with XXXX XXXX but apparently Chase does. I do not think I should have to wait over 5 months for reimbusement while Chase settles it with XXXX XXXX. The check was made to XXXX XXXX and per my account agreement with Chase that is who should have been paid. If they entrusted XXXX XXXX then they should deal with XXXX XXXX for remedy but as their customer ( chase ) I should be immediately reimbused.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (UT)

Calls every night after XXXX with the same automatic recording about debt collection that I dont owe. Ive blocked multiple numbers and they just keep calling from a different number. 

I dont owe any consumer credit debt and have an excellent credit score. It is obviously a scam and Im tired of the daily harassment. 

One time I called one of the numbers back and it didnt even go to a professional agent - just some guy picked up and kept asking for XXXX XXXX XXXX  They obviously think Im someone else and trying to scam them.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MD)

Applied for the loan and was contacted to provide documentation. I am currently on XXXX XXXX military orders and had no problem providing all the information that was requested. I sent XX/XX/XXXX bank statement, pay stub for pay date XX/XX/XXXX ( most recent ) and front and back of ID. 

I was then told that it had to go to underwriting because I was in the military. Again, no problem. They came back and said they needed a pay stub that said " mid month ''. I say okay. I send them my stub for XX/XX/XXXX & XX/XX/XXXX. They come back and say the loan is approved but they need to verify income ( again ) and ask for access to my bank account to verify income as if the bank statement with both XXXX direct deposits and the 3 pay stubs weren't sufficient. 

When I asked again what the issue was, I was told that my income doesn't add up and the information underwriting needs isn't present on my stubs. 

In my opinion, their underwriting team does not know how to accurately read a military XXXX. They are telling me that the information they need is NOT on my federal pay stub which is completely absurd. 

I've dealt with a different branch location for Onemain before and never had any issues and I'd appreciate someone looking into this matter to ensure other military members do not experience the same thing.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Recently, I disputed an account that is being listed on my credit reports by LVNV Funding LLC. The results of the dispute came back as verified and accurate. Thus, I wrote a letter to LVNV asking them to provide me with proof of contract and full accounting for the amount claimed to be owed. It has been over 30 days and I have not received a response to my letter.
Consumer complaint received 2020-05-01
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. (FL)

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-02
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. (DC)

I have submitted various complaints regarding XXXX XXXX an erroneous item on my consumer report. I would like to point out a few violations that both XXXX  and EQUIFAX and XXXX  has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of Equifax and XXXX  they are as follows. 

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous XXXX  XXXX  account from the credit report and credit file.
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

BY MISTAKE I SENT YOU THE WRONG FILE I ATTACHED A NEW FILE WHERE YOU CAN SEE THAT I WAS INELIGIBLE FOR CHAPTER XXXX BANKRUPTCY AND TRAN UNION CREDIT REPORT DENIES ANY UPDATE TO MY FILE APTER I TRIED SEVERAL INTENTS XXXX  AND XXXX  UPDATE MY FILES BUT TRANS UNION CREDIT REPORT REFUSE TO DO IT THE REPORT FROM THE COURT SAID THAT I WAS INELIGIBLE FOR CHATER XXXX BANKRUPTCY
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (SC)

Affirm, XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. Affirm has made two loans to someone, but it was not me. They have put an entry into my credit reports that I had not made. They show an open balance of {$54.00} on a loan of {$60.00} as of XX/XX/XXXX. The account supposedly was opened on XX/XX/XXXX. Account number only shows as XXXX on my credit report. This shows as a late payment. I did not apply for credit from this company, ever! Another item from Affirm shows an unsecured loan of {$230.00} opened on XX/XX/XXXX with a current balance of {$250.00}. This account number shows up as XXXX. This is also not my account. This shows as a charge off on XX/XX/XXXX. With a past due amount of {$88.00}. I have contacted Affirm and they would not talk to me to get this resolved since I didnt have the correct phone number on the account. I explained that I did not know the phone numbers for the criminal who got this loan fraudulently but they would not budge. I have since filed a dispute with XXXX and will also be doing so with the other two credit bureaus. In reviewing all my account information with XXXX I find that they are several incorrect items on my personal information. I am disputing those also. Any help would be appreciated.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Hello, I have a complaint. After watching an Infomercial on TV about credit. I decided to get a copy of my credit report and sure enough it contains errors and 4 collection accounts I know nothing about them. I tried to reach out to Equifax by phone and I have not been able to reach anyone live for the past few weeks. I have also sent my disputes in the mail and I have yet to hear back. I'm not sure if they are open but I want to let you know what I am dealing with and hope we can get the situation resolved immediately. 

That said, I have 4 unknown collection accounts being reported on my Equifax credit file. The frustrating part about all this is that Equifax only list the name of the collection agency on my credit report- they do not list the companies address or my account number that is tied to the debts- I sent a letter to one of the collection agencies and they said they could not find an account with my name/address in their system. 

The following account that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX 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 a account without my written instructions.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (UT)

Ally Financial is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that Ally fixes this immediately.