davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

There was man who named himself XXXX XXXX XXXX and told me that I missed Jury duty and I had 2 sitations. 2 sitations XXXX Failer to appear XXXX XXXXXXXX XXXX He called me at XXXX. 
With each sitation he also told me I had warrants for my arrest if I didn't comply and pay XXXX per sitation. He also told me to get my money back I must report at the next federal court on XX/XX/15 to the next court appearance at XXXX XXXX  at XXXX XXXX XXXX XXXX, VA. 
Also I must pleade my case of why I missed the first Jury Duty trail at XXXX XXXX. XXXX, XXXX, Va. 
I had to pay the fines to stay out of XXXX  and pleade my case. He told me the method of payment was Zelle. This guy had a very professional voice and was so believeable and smart he tricked me into giving him the entire XXXX. He told me to send it to the clerk on Zelle to the name XXXX XXXX XXXX. That is the person who the money transaction was made to. I did file a police report and told my bank since the Zelle was through my XXXX XXXX XXXX. They seem to be giving me the run around and I have been a member for over 15 years. I really learned a valuable lesson on scams to never give money over the phone to anyone even if it was a pretend sheriff. I really needed that XXXX for my wedding and I am very hurt this happened to me. 
Hope they catch this guy.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect balance information with credit card account and incorrect credit score is being reported by Equifax. I've tried disputing the incorrect information and even called and spoke with a rep on XX/XX/XXXX. I provided the accurate information to the account in which was not being reported correctly and Equifax has still failed to update information accurately which is hurting my credit score by not given true score.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NC)

I received a credit card without applying for one. I read that US Bank had just sent out cards. I received the card from US Bank. How did they get my soc. Sec. #? This is very upsetting. 
XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AK)

I am called daily XXXX  days a week, sometimes XXXX  a day at different times by Discover. XX/XX/XXXX I was called twice ( XXXX and XXXX ). XX/XX/XXXX I was called twice ( XXXX and XXXX ). I was called once on XX/XX/XXXX and XX/XX/XXXX. I was called twice on XX/XX/XXXX ( XXXX and XXXX ). I was called XXXX times on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). All communication is to the same phone number, no other methods. At this rate and frequency they are in violation.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

I refinanced with lower.com about two years ago. At that time, lower.com transferred my mortgage to Homeside ( a subsidiary ) to be managed. I have had zero issues with Homeside other than spotty customer service.

Then the nonsense started.

1. I received a letter in XXXX of XXXX  saying that my mortgage was going to be transferred to lower.com in XXXX. 
2. I received a letter in late XXXX saying that my mortgage was going to stay with Homeside.

3. I received a letter the third week of XXXX saying that my mortgage was being transferred to Lower.com 5 days before my mortgage was due, with no information about how to pay my bill. By pure luck, I had attempted to make a principal payment a couple of weeks prior and the Homeside website would not let me. The rep at Homeside informed me of the upcoming transfer, so I made an early payment for XXXX to avoid complications. 
4. Two weeks after my mortgage was due ( I paid it in advance, expecting it to get screwed up again because the communication was so incredibly horrid the first time two times ) I received a letter saying that my mortgage was staying with Homeside. 
5. In XXXX I get a letter saying my Mortgage is transferring to Lower.com on XX/XX/XXXX of this year. It is XX/XX/XXXX and I have no payment coupons, no payment portal, and no information whatsoever. I call and sit on hold for a half hour or more and nobody answers. 

This problem happened in XXXX when I was trying to pay my XXXX mortgage payment and they told me I am not capable of paying my bill because they haven't issued me an account number so they couldn't help with anything. I ended up calling Homeside and they took my payment and said they would try to forward it, and if not they would return it.

It has been over 2 weeks since Lower.com has supposedly taken over my mortgage and 2 weeks after my mortgage was due ( I prepaid, again expecting them to XXXX it up ) and they have sent and done nothing regarding making it possible for me to pay my mortgage. I went back to Homeside and they say they can no longer assist with this mortgage as it has successfully transferred to Lower.com. This is an infuriating level of incompetence.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion File # XXXX Credit Report Date XXXX XX/XX/XXXX I sent dispute to TransUnion regarding Credit Report File # XXXX Dated XXXX XX/XX/XXXX that they are reporting inaccurate information and under the laws and guidelines of the Fair Credit Reporting Act ( FCRA ) that this inaccurate and false information on my credit report needed to be permanately removed from Credit report. 

1st Dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

2nd Dispute : XXXX XXXX - Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

3rd Dispute : XXXX XXXX - XXXX # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, 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 2022-07-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Servicing sent a letter XX/XX/XXXX stating I owed a debt by XX/XX/XXXX or commencement of foreclosure on my home. On XX/XX/XXXX I sent a validation of debt certified mail to Specialized Loan Servicing and it was received XX/XX/XXXX. As of XX/XX/XXXX I havent received a response from Specialized Loan Servicing pertaining to the debt in dispute. It has now been 59 days since receipt of my demands. According to the FDCPA the debt collector must provide verification of the debt. I have never received a statement from this company and never done business with this company.
Consumer complaint received 2022-07-15
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: Grant & Weber (IN)

XX/XX/2022 {$1600.00} Grant and Weber I found this in my credit report. 
I have never heard of them or the original debtor. 
I have never received any phone calls, emails, or mail from either company. 
When I called they asked for a account number. I told them that I do not have one. 
They asked for social security number. 
When I provided my number they gave me someone elses name. 
When I asked for proof of who they or the other company is. Or something showing my name matching my social. A signature, a agreement with me, or my photo id tied to these accounts. They told me that doesnt matter. 
When I told them I feel like this is fake or fraudulent because they provided someone elses name with my social. 
I was told too bad. Sue that person.
Consumer complaint received 2024-02-10
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX REQUEST FOR INFORMATION TO ORIGINAL CREDITOR This is a notice of request information. 

Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures Date of First Delinquency I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. 

Please forward all correspondence regarding this matter to the address stated above Sincerely, XXXX XXXX
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TN)

I am writing to file a formal complaint against Westlake Financial regarding their persistent and harassing phone calls, which have caused significant disruption and potential disciplinary trouble at my workplace. I believe these actions are in violation of my rights as a consumer. 

The details of the harassment are as follows : Date and Times of Calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls were made to the phone number associated with my car loan, XXXX, and were initiated by Westlake Financial using the phone number XXXX. 

I have previously informed Westlake Financial that I am unable to discuss the matter during working hours due to my employment obligations. On the first call of the day, at XXXX XXXX, I specifically communicated this to their representative. However, despite my repeated requests, the calls continued throughout the day, causing significant disruption and stress. 

I would also like to bring to your attention that these calls are not limited to instances when I have fallen behind on my payments. Even when I am only a day late on my payment, Westlake Financial 's automated dialing system contacts me, and on some occasions, the automated message instructs me to wait for an agent. This practice feels excessive and does not align with the rights afforded to consumers. 

The relentless and repetitive nature of these calls has not only interfered with my work but has also affected my emotional well-being and caused unnecessary anxiety. I believe Westlake Financial 's actions constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. 

Thank you for your attention to this matter. I would appreciate any assistance you can provide in resolving this issue and putting an end to the harassing phone calls from Westlake Financial. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-08
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 (MD)

I have called Bank of America to no avail without getting my issue resolved. I DID NOT apply for credit nor any type of loan for this company and they have absolutely NO REASON to check my XXXX report. This occurred on XXXX and to arbitrarily check an individual 's credit is HORRIBLE! I have sent an email, reached out on XXXX and called and no one has assisted me. Below is a screen shot of the hard inquiry that needs to be removed immediately!
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NJ)

I applied for a credit card with Citi Bank. I got the card but never activated it or used it. I received an email say my payment was overdue. When I contacted Citi via phone on XX/XX/2021 and was told the fee was a membership fee. I informed the person I was speaking to that I had never activated the card and that I shouldn't be charged the fee. He told me it was my obligation to pay it, which angered me since the last time I had my credit pulled by FICO score was over 800 - I've never missed a payment in my life. The agent still said I was liable for the payment. I then told him to close my account and that I wanted the fee waived or I was going to file a CFPB complaint. At that point the agent put me on hold so that he could talk to his supervisor. I was kept on hold for a few minutes and then he came back on the line and told me he was waiving the fee and closing the account. I asked for proof in writing of such and was told that I would receive an email saying the account was closed and the fee was waived within 24-48 hours. The next day, XX/XX/XXXX, I received an email saying the account was closed, but nothing saying the fee was waived. On Thursday, XX/XX/XXXX I received a voicemail telling me my payment was overdue. I called Citi again and was told that I still owed the fee. I told them what the agent I spoke to on the XXXX told me. I was placed on hold. The person I was speaking to came back on the line after a few minutes and told me that the notes from my previous conversation stating that I was told that I was still liable for the fee. That simply isn't true. I was told the fee was waived. In the interest of keeping my credit profile sterling, I paid the {$99.00} fee. I feel like I was being extorted my a mob family rather than dealing with one of the largest banks in the country. I was absolutely lied to about the fee being waived. At what point are these large banks going to be held accountable to the American people? I want my {$99.00} back.
Consumer complaint received 2022-07-16
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)

Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX Delivered Transunion failed to completed investigation of dispute that was opened and was set to be completed by XX/XX/year>. Just 6 days prior to the 30 days investigation window, Transunion made the dispute disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/year> Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX Direct disputes. 

( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Consumer complaint received 2023-05-23
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: Self Financial Inc. (NJ)

I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. Cavers ) A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done. 
You did not properly give me my disclosures. 

I am exercising my right to opt of my information being reported pursuant 15 usc 6802b.

You actions has caused me and my family severe mental trauma, deformation of character You 15 usc 6801 you have an obligation to protect my information Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information.

15 U.S. Code 1681a - ( 2 ) Exclusions. States report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment in fact is a transaction or experience and the information youre sharing to non affiliated third parties like, XXXX, XXXX, XXXX is in fact supposed to be excluded from the consumer report. 
30-60 Days late.

Your actions amount to aggravated identity theft.

18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information.

18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Furthermore you have no lawful authority or permissible to put any accounts on my consumer reports
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I wrote a check for {$55000.00} which was submitted from my XXXX XXXX account to a vendor at a chase bank. Chase bank held the funds due to suspicious check activitybut refused to verify my valid check with the distributing bank. They cashed my check # XXXX on XX/XX/2023, withdrawing the funds from my account. My money is now in limbo with chase bank, as it is not being submitted to the vendor as needed. This is paramount to chase bank stealing my XXXX by refusing to give the funds to the vendor.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (CT)

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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX 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 account without my written instructions.