davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX reports {$420.00} charge off. This is not my account. It is reported open in XX/XX/XXXX. XXXX reports it closed in XX/XX/XXXX. They both report it as a joint account with my husband. 
XXXX XXXX not my account and reporting a charge off of {$210.00}. 
XXXX XXXX not my account and reporting a collection of {$210.00}.
Consumer complaint received 2022-07-20
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. (NC)

In accordance with XXXX XXXX XXXX Reporting XXXXt Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NC)

I was tricked into an all interest loan without given all the information of want the loan actually was until I started noticing that my principal did not move. The loan started out at XXXX and after 12 years it 's down to XXXX after I have put XXXX of my money straight to principle. 
the company is citi -finance. I have been told that i am under a predator loan. But no one has told me want to do about it. I refinanced the loan with them and they pushed the loan back to a thirty year loan.
Consumer complaint received 2023-04-05
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  BANK ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (KY)

We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

The payments on my loan are supposed to be slightly lower as I was supposed to have an additional XXXX down, the sales manager at the dealership was trying to pocket the money for himself so was unable to do so. I purchased the vehicle on XXXX XXXX, the sales manager said I was putting a total of XXXX down but would only show XXXX and to give him the XXXX difference in cash. I realize this is not an error on end of BMW Financial, however, they should be willing to adjust payment amount if I can put the additional XXXX down as planned. Complaints have been filed directly against dealership, BMW of XXXX XXXX, directly however, not resolved. The XXXX ( XXXX ) has a complaint against them. The sales manager, XXXX, is a very shay individual and was trying to get me to give him XXXX in cash for his pocket and told me not to tell anyone as we 're supposedly " blood brothers ''. My intent was to put XXXX down towards the loan payment
Consumer complaint received 2023-04-05
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. (OK)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXXXXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-12-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (MD)

I contacted the debt collector because the debt should not been report to the credit bureau because my insurance was never billed. I contacted the reporting agency AR resources inc and spoke with a representative by the name of XXXX on XXXX/XXXX/15 at XXXX est. When we began the call XXXX explained what the debt was for. I advised her that this was the hospitals fault because they did not bill my insurance. XXXX then stated that this was not the case the insurance was billed and I was responsible fro the remaining balance. I advised her this was not true because I call the insurance and I was advised that they had never been billed for the service in which I was responsible for XXXX but they had received a bill which I was responsible for XXXX which was something completely different. I advised her with my insurance they would never make me responsible for XXXX when it was only in and out service. She then proceeded to tell me I was speak on something I knew nothing about. I tried to explain it again thinking that she maybe did not understand me but she then said I was cutting her off. I asked to speak to someone else she told me no and proceed on with what she had to say. I let her finish and after she was done advised her again I wanted to speak to someone else she said sure and she was getting me to a supervisor in which she just sent me to the supervisors voicemail I let a message and have never heard anything back in regards to my complaint. I called back again and XXXX must have know it was me from caller ID because I was repeatedly hung up on. I finally got another representative explain the same situation and she said they did try to bill the insurance in XXXX but did not get a response back so she took down my insurance information and stated that it could take 30 to 45 days to be completed. I just did not understand why XXXX could not give me the same service I have never had anyone speak to me the way she had.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Hello, our Citi credit card was used for the following fraudulent XXXX transactions. Citi contacted us via text and we responded that these are not our transactions. We have not used XXXX for months. Citi closed the card. However, we can not get our credit for these fraudulent transactions, even though they opened a case ( no. XXXX ) and we called twice : 1 ) spoke with XXXX ( Citi Fraud dept ) at XXXX and she told me she will reverse all XXXX charges 2 ) spoke with XXXX ( manager of fraud dept at Citi ) XXXX and he said that all these XXXX charges will be reversed. 

we just received our credit card statement and Citi added all these charges to our statement and didn't reverse any of them. 

XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$29.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$35.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$81.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$22.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$25.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$38.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$51.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$16.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$45.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$64.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$17.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$120.00} Total {$760.00}
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

XX/XX/XXXX Unauthorized ( stolen ) Funds from a Bank of West Business Savings Account Electronic DBT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CCD XX/XX/XXXX Reported fraud to Bank of West banker who filed a claim fraud XX/XX/XXXX Bank of West officially transitioned to BMO ( sale of B of W occurred in XXXX ) B of W banker had to learn new BMO procedures and refiled the claim of fraud under BMO No response from BMO We were asked to give BMO a little time because of the big transition. 
XX/XX/XXXX No response from BMO. Decided to reach out to the recipient of the stolen funds.. 
XXXX XXXX XXXX XXXX who confirmed that their client who is currently incarcerated commited the fraud. They will try to talk to their client but theres not much that they can do. 
Late XX/XX/XXXX Banker called to say BMO denied the claim XX/XX/XXXX Emailed BMO claims who confirmed that the case is closed XX/XX/XXXX Emailed BMO claims who said that they will reach out to the counterpart bank, XXXX XXXX No response from BMO or XXXX XXXX
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$27000.00}.
Consumer complaint received 2015-08-11
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Paypal Holdings, Inc (AZ)

I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, XXXX continues to incorrectly report the accounts listed as XXXX XXXX, XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2017-08-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

Client ( XXXX XXXX ) complete a family transfer package with Ocwen in order to assume her Mother 's property. Upon completion on the transfer package XXXX XXXX obtained and began a modification package of which there has been numerous problems. XXXX completed packages have been submitted since XXXX XXXX, 2015, to date their is still not an approval. Be mindful that the process was just about complete once the family package was approved which was in XXXX and to date the mortgage company is still requesting the same documents.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I made a final payment of {$930.00} on XX/XX/year>. I kindly requested to get this collection account deleted on all reports regarding XXXX, XXXX, and XXXX. Additionally I requested a written confirmation of the account paid status.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX has been trying to Collect a debt that isnt mine anymore. It was sold and into collections and is owned by someone else now. It was off my credit report for months and now all of a sudden they just piled it onto my credit report which is affecting my overall credit. I have worked so hard to fix my credit and now they are on my report as a portfolio recovery
Consumer complaint received 2023-04-05
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
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 (TX)

I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX XXXX XXXX. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.
Consumer complaint received 2022-02-04
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. (NY)

Experian and XXXX along with other companies XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (WI)

The debt is XXXX XXXX XXXX and the company is still trying to garnish my wages and take me to court. The company hasn't provided any payment history to me in court but I stop paying in XXXX XXXX XXXX The debt also belongs to the person who has the car. The amount is also incorrect, the person paid on the car for at least XXXX years and the starting amount was maybe XXXX. The vehicle is over XXXX years old and no information has been released to me or the other party
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have consolidated federal and private student loans totaling approximately 125,000. Every month I send a payment via Navient website. The company recently changed its website which makes it impossible to choose the amount to pay. The " payment due '' window reflects past due, fees, and currently due amounts. Since I was unable to choose to just pay the past due amounts as the currently due amount was n't actually due yet, I set up payment through my bank 's online bill payment feature and made a payment on XXXX XXXX 2017. Navient received payment two days later on XXXX XXXX 2017. Instead of allocating the appropriate amounts to both private and federal loans, as they have done literally for the past ten years on this account, they allocated the entire payment to my federal loans. I called customer service immediately and have been bounced around to various agents who assure me that this is " a back end issue '' and that a request has been sent to re distribute the payment to the two accounts. I have been charged late fees on both accounts for non payment. It has been one week and nothing has happened. The payment is not visible online at all and I am getting delinquent letters via email and threats that this will be reported. I have been unsuccessful in my attempts to rectify this issue.
Consumer complaint received 2015-11-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (TX)

I have been sent to collections over a XXXX XXXX XXXX debt with a doctors group. I called and explained to them at least three times this was not my debt, I left the adjusters name and contact information and still they went forward. 

This was the responsibility of the treating Hospital to assure proper billing and the doctors group to assure whether this was a personal or insurance related debt. 

I am in the midst of repairing my credit in preparation for buying a house, this little {$100.00} dollar debt dropped my score by several points! This is wrong and I want it made right immediately or I will hire an attorney and sue for damages! Much more than the {$100.00} I assure it!