davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Student Loan Control, LLC (MD)

Received a bogus notification of a credit-card debt settlement from an organization that operates under the following company that is already discredited by the XXXX  : Student Loan Control , LLC 7 years in business XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX  Link XXXX XXXX XXXXXXXX They use the clever, but duplicitous, moniker " Department of Negotiations. '' They appear to also operate under the following name : XXXX XXXX XXXX It's a scam designed to prey on the ignorant.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

When my loans were transferred from XXXX XXXX the balances increased greatly. The monthly payments are so high that you ca n't pay them and still live. It is also very difficult to get help when you contact Navient.
Consumer complaint received 2022-03-03
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)

Transunion is reporting an account that I have with XXXX XXXX. I never signed a contract authorizing XXXX XXXX to report this account to my credit report. Neither XXXX XXXX or Transunion has the authorization to report this account to my credit report and until a signed contract is provided.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Tranunion score was showing a XXXX on XX/XX/XXXX. On XX/XX/XXXX I received 3 alerts from XXXX XXXX, XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX from XXXX  that monitors all 3 credit bureau.. One of my TransUnion alert was an increase of XXXX on a XXXX XXXX credit card, another alert said I was added to an authorized user with a XXXX credit limit, and the other said I had a TranUnion decrease on my credit score.. After reviewing my TransUnion credit report I noticed a drop from XXXX to XXXX so I then looked at my XXXX  and XXXX reports and both of them was increased by a few points for the XXXX increased credit card and the XXXX credit card authorization on my account.. XX/XX/XXXX I called XXXX and ask them why did my fall scrore drop dramatically instead of going up because everything that was posted on XX/XX/XXXX was positive and the representative couldve give me an answe ... I been working trying to get my credit scrore decent enough to where I wouldnt be in bondage and have to suffer an high interest rate considering the credit bureaus determine pretty much our futures bye having control of our credit scores.. if these credit bureaus can keep our scores low enough to where they can profit than they will.. I worked hard to get my score at XXXX and every month I pay my bills on time and my score slowing increases by 2-3 points every month until now.. this is the second time Tranunion has deceived me from my credit score raising.. and it wasnt nothing I could do about it but work twice as hard to get it back up and then it happens again ...
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

1. XXXX XXXX XXXX ; re : Capital One card calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe Cap One some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX years old, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
Consumer complaint received 2017-06-18
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: EQUIFAX, INC. (MS)

I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

Credence contacted me XX/XX/2021. I never receive a notice explaining I had the right to dispute or verification of the debt. This now shows up on my credit report. The calls stopped for awhile but On XX/XX/XXXX, the calls resumed and still no written notice or verification had been received.
Consumer complaint received 2017-06-18
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. (SC)

Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

My mortgage services seterus made a mistake with my county tax escrow account. I received the letter saying my regular payment was gona go from XXXX to XXXX in XXXX. I immediately called and corrected there county tax info they did another escrow analysis. the new payment actually was now XXXX for XXXX.. They refuse to change my payment and say if you do n't pay the amount they will foreclose.
Consumer complaint received 2022-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America ran my credit on XX/XX/2022 and it showed up on XX/XX/2022 I do not have a Bank of America account and I did not authorize this. I tried calling and spent 55 minutes being transfered back and forth with no help.
Consumer complaint received 2021-09-03
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. (MI)

I recently had XXXX fraud inquires removed from XXXX  in XXXX and they still are posted on Transunion though? i tried sending a letter letting them know that these accounts were fraud and they couldn't be authorized. even called to let them know another bureau saw the same and took them right off. please remove them as they are affecting my report with accounts that arent even mine. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-03
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: Santander Consumer USA Holdings Inc. (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Santander Consumer USA Inc on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Santander Consumer USA Inc violated federal law. see 15 USC 1681b A2. I did not give Santander Consumer USA Inc Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2021-09-03
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. (AL)

on XX/XX/2021, i sent XXXX  and transunion a document for reporting inaccurate and incomplete information on my credit report.also in XXXX and XXXX Designed receiveable violated the law by increasing the tradelines that they are reporting, its a 15 USC 1692 F ( 1 ) violation and i am turning this matter over to my attorney to pursue this matter. i have attached copy of the items that has been violated below.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (GA)

In XX/XX/2021 I received an email from Xoom XXXX informing me of a transaction to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX United States XXXX There amount taken out of my account is {$800.00}. This was never authorized by me and I do not know the company or recipient. Please help.
Consumer complaint received 2018-03-22
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: U.S. BANCORP (TX)

On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.
Consumer complaint received 2022-09-07
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. (SC)

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX 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 DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-04-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.
Consumer complaint received 2020-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

1 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I do not know who made requests, I did not give my personal information. I contacted the companies XXXX  we can not help you call credit organizations you will be removed hard request
Consumer complaint received 2019-02-28
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)

I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
Consumer complaint received 2018-03-22
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: Navient Solutions, LLC. (FL)

From XX/XX/XXXX to XX/XX/XXXX Navient tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to Navient and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error
Consumer complaint received 2017-04-25
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. (MD)

Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.
Consumer complaint received 2017-06-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC (FL)

This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have multiple accounts with company but for various retailers. I have pep boys, PayPal, and care credit to mention a few. My situation is directed to my care credit. I have been experiencing a lot of situations on my cards and my accounts with your company are having some of the same issues. I feel like there is another person gaining unauthorized access to my accounts I have been requesting copies of my statements since my relocation in XX/XX/XXXX. 
I'm trying to verify what is mine and not authorized. I have also been confused on a few things I have seen. 
I want to verify my profile info for all accts, get statement copies, and find out how my account was changed without notifying me. I would like to get the addresses on file? I want to verify how many cards on each account, make sure there's no virtual cards on acct. 
Most recently, I have been needing to get some major work done on my teeth which I use care credit for. I had opened up my acct info online and noticed that somehow my care credit was changed, the last name was my old last name from a previous marriage that I had returned to my maiden name back in XX/XX/XXXX. I was curious when my name was changed and why? I never had this acct back then and have dealing with a situation where I believe someone is gaining access to my accts and using information to obtain documents which may not be real and have made my credit and ability to use my cards in an emergency like I'm about faced with now a real problem. So I would like to know where it's been used too.