davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/, I selected a balance transfer offer at XXXX XXXX XXXX XXXX XXXX with my preexisting Barclays Commence credit card for {$8800.00}. The terms very clearly stated the following : 0 % Annual percentage rate for 15 months 3 % Balance Transfer Fee ( {$5.00} minimum / no maximum ) This month, much to my surprise, I found an interest charge on my credit card statement associated with this {$8800.00} balance transfer. I called customer support and escalated to a supervisor and then another manager, all of which told me the offer I described was not available on my account currently, so there was nothing they could do to honor the offer I described. There is no way I would have signed up for anything other than a 0 % balance transfer offer, especially consider that I had several other of these offers from other non-Barclays banks with my preexisting credit cards. 

So far, I have paid the original 3 % balance transfer fee of {$260.00}, which was expected. The fees I have incurred that I should not have incurred based on the 0 % balance transfer I signed up for :XX/XX/XXXX INTEREST CHARGE {$19.00} XX/XX/ INTEREST CHARGE {$110.00} The support team at Barclays said they would have their technical support team review whether or not there was a glitch on the system, and that this would take 30 days. In the interim, I will be charged more interest fees. The support person didn't seem to think it was likely that this would be ruled in my favor, so I'm basically stuck with Barclays telling me there's nothing they can do.
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-10-26
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. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-07
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. (FL)

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize this information and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this information, and remove them once its confirmed that it is not mine.I believe that someone else may my name.it could also be possible you are mixing up this account with someone that has a similar name as me.
Consumer complaint received 2022-04-28
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: Early Warning Services, LLC (GA)

Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck
Consumer complaint received 2021-10-26
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. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (CA)

I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX   denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.
Consumer complaint received 2020-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (MD)

I applied with Geneva financial in XX/XX/2020 when Covid hit. When housing market fell due to Covid I no longer qualified for loan, however when it began to open back up I was able to qualify and was eventually approved for FHA loan. I received approval through AUS system and underwriting. Loan officer XXXX XXXX said I could close XX/XX/XXXX. However, this was moved to XXXX due to incomplete paperwork. I was then told I could close in XXXX and that my file was completely normal but paperwork was again missing because I had to apply for new FHA case number and get a 2nd appraisal done. After that was completed, I was told I could close but XXXX DPA paperwork was not completed. As a result of disorganization of loan officer XXXX XXXX, XXXX XXXX, and, processor XXXX XXXX, I was never able to close. I believe this was racial discrimination becsuse my file was perfectly fine after the market opened back up in XXXX and I received approval from XXXX along with closing disclosures. There is no reason why it was XXXX and I still was not able to close other than they were purposely delaying the loan because I was a minority. I want this marked on XXXX XXXX 's file as racial discrimination and lack of organization. I chose not to disclose my race for this very fact, however they put it on my application anyway without my permission.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

has violated my rights. Or a list of inquiries : 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 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 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

PLANET LENDING IS NOT WORKING WTH ME AND MY SITUATION. I AM AWAIYTING AN APPROVAL FROM CA MORTGAGE RELIEF PROGRAM. PLANET LENDING SENT ME A MODIFICATION APPROVAL WITH A QUESTIONABLE PROGRAM THAT PUT ALL THE DELUNQUENT INTO A HOLDING ACCOUNT. I AM ASKING FOR ASSISTANCE WITH THE DELINQUENCY IF I SIGN THIS WITH MIGHT I ADD ONLY HAVE A WEEK TO DO SO I MAY MISS OUT ON THE GRANT FUNDS FOR HELP.
Consumer complaint received 2021-06-09
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. (MS)

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (IN)

I cash a check in PLS and 10 days later they said the check was false so when i cashed they charge me XXXX dolars i return the whole amount off the check but they took my XXXX dollars. The check was from a scam company i want to know how i can get my XXXX back from PLS
Consumer complaint received 2020-10-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (NV)

Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a )
Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between  XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a  payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (TX)

I have been trying to refinance my house and our loan agent has been trying to get my Equifax credit report and score and they cant get it and I have tried to get them to fix the problem for 4 months now and Equifax Keeps giving me the run around and hasnt resolved the issue. I have also tried to get my score and report from myequifax.com and an error code XXXX  comes up saying to call Equifax and when I do its the same thing that they cant do anything. Because of this Im not able to refinance and Im losing money. Weve had no issue with the other two credit reporting companies just Equifax. My lender has verified that all information is correct in spelling, address, DOB and SS number.
Consumer complaint received 2020-11-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results
Consumer complaint received 2021-05-26
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. (FL)

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5600.00}, {$0.00}, {$21000.00}, {$15000.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2022-04-28
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. (TX)

For 2 years now I have been disputing the same information on my credit report & Equifax has ignored my many disputes. As a result I was just recently denied for another credit card that wouldve elevated my utilization & supplied me with the financial freedom in order to start my real estate company. Equifax continues to get away with violating the FCRA & I am close to filing a lawsuit with my federal court for willful negligence. Their malfeasance is inexcusable & needs to be punished
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (MD)

I was enrolled in the equity accelerator program, and Paymap was deducting bi-weekly payments from my account. I am just learning about their deceptive practices and was wondering how I can recoup the fees that I was paying. 

My mortgage is with XXXX. I called them about an issue with my recent mortgage payment and they let me know that this accelerator program ( now XXXX  ) was through a third party. All along I thought it was through them. 

Please let me know what options are available. I have learned that One company was ordered to repay {$33.00} million to consumers who were deceived by a program promising thousands in savings on interest. Thank you
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My loans transferred from XXXX to Mohela loan servicers in mid XX/XX/XXXX. Prior to my loans being transferred I made a payment of {$15000.00} on XX/XX/XXXX. I noticed immediately that my loans were not transferred without my last payment and called and confirmed with XXXX representatives that my payment had in fact been cleared and was mistakenly not sent properly. I was assured on multiple occasions that my payment would be sent to Mohela but that it may take a few weeks to process. My new loan servicer Mohela just sent me a letter after investigating this matter that states that I did not make my {$15000.00} payment and it is not even reflected on the XXXX website. I have more than enough evidence of my payment and I need this matter clarified immediately. I believe my funds have been mishandled. Every time I call Mohela has been claims the payment from XXXX has not been sent and every time I call XXXX they claim that they have sent the payment. I recieved a letter on XX/XX/XXXX from XXXX confirming I sumbitted a payment of {$15000.00} made on XX/XX/XXXX -- however they also sent me a transaction history summary which did not have the aformentioned payment listed so it is unclear if they payment was actually sent. I have waited over 4 months for this matter to be resolved and it seems as though XXXX and Mohela are not complying with their due diligence to transfer my payment.
Consumer complaint received 2021-11-04
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. (FL)

I have an erroneous collection reported to XXXX XXXX by transunion. The collection is not on my credit file but XXXX XXXX will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with XXXX XXXX telling me they woyld correct it.