davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I sent a Account Validation letter to Hunter Warfield and it was received in there office on XX/XX/2020. Hunter Warfield is reporting a debt on my credit report and they keep reporting that the balance increase by {$1.00} and then decrease by {$1.00}. They are blatantly attempting to re-age this account and keep it on my credit reports and this is a clear violation under the FDCPA. The information they sent me is not showing where this is my account. That is not an address that I am aware of residing.
Consumer complaint received 2022-07-01
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. (AZ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Months ago I reviewed my credit file and noticed a collection from Hunter Warfield for XXXX XXXX  that I did not recognize. I tried reaching out and validating the debt directly with Hunter Warfield, since I do not recognize these alleged debts. I have never received any initial communication from the collection company Hunter Warfield, they also failed to respond to my debt validation. They also are charging interest % on the alleged amount, since every month I see the balance go up on my credit report. I was not sure that was legal practices.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (WV)

Fraudulent use of Debit Card ( Master Card ) issued by KeyCorp XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ), that was used for deposit of state unemployment ( West Virginia ) funds. Fraud cash transfers of {$500.00} on XX/XX/2020, {$500.00} on XX/XX/2020, and fraudulent use of card to pay a wireless telephone charge of {$64.00} on XX/XX/2020. 
I advised the issuing bank ( Key Corp ) of the fraud on XXXX They canceled the card on that date and issued a replacement. I reported the fraudulent charges to Key Corp 's Fraud/Security department on XX/XX/2020. Key Corp 's Fraud/Security department said it could not stop the fraudulent payment of {$64.00} for the wireless telephone payment being made since the funds had not yet been paid ( scheduled for XX/XX/2020 ) but had been scheduled/deducted from my debit card already. Key Corp 's security department said they would investigate, but no case number was assigned nor has any resolution to the problem been achieved.
Consumer complaint received 2020-08-12
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: BARCLAYS BANK DELAWARE (PA)

I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was the trustee of my sister 's property, I paid the mortgage n taxes, the house had a bad loan and they would not work with me, the house foreclosures, lost my sister 's family home, then they turned around and sold it at auction for less than what I offered. I believe there is a law suit going on regarding this? My sister 's name was XXXX XXXX. The house address was XXXX XXXX XXXX in XXXXXXXX XXXX Please advise if I'm on the right path. Thank you
Consumer complaint received 2022-07-01
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. (NJ)

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than 30+ hard inquiries on my credit report throughout experian, XXXX , XXXX.These are the hard inquiries that were added on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Recovery, Inc. (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Clear Recovery Inc. 

This collection agency has been harassing me by calling my telephone and leaving voicemails. 

They claim to be a debt collector, and I have no other information as to why they continually call my phone. 

I have no dealings with this collection agency, they have never contacted me about verifying any debt, yet they continue to call. 

I dont owe Clear Recovery Inc. anything, and I want them to cease and desist from contacting me. 

And if they have placed any derogatory information on my credit files, I want it removed, and I would like hard copy proof, that, that has been done. 

Clear Recovery Inc. can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Consumer complaint received 2020-08-12
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: Nelnet, Inc. (PA)

I have a loan with XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and NELNET LOAN SERVICES with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

I am experiencing financial hardship due to job loss. And due to that situation, I have fallen behind on my payments because my income has dropped considerably since XX/XX/2019.I can no longer afford the terms of the original loan.
Consumer complaint received 2019-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, Equifax, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (MI)

I opened a Chase Total Checking account on XX/XX/2021 because of a promotional offer I received for a sign up bonus of {$220.00}. After completing the sign up and initiating a deposit from XXXX, XXXX XXXX XXXX ) I tried to find the offer again online to forward to a friend. At that point I saw the monthly fee that I was not made aware of before opening the account. Upon looking further into my account settings I noticed a XXXX XXXX account under a tab named Show or Hide accounts. I then realized that Chase Bank had opened an additional debit account in my name that I never requested or was made aware of. I also found out that the XXXX XXXX account can not be accessed via the mobile site and is only ever visible under that specific tab. I am still currently unable to get in contact with customer support. I attempted to lock my Checking account and was not able to. I am unable to close the account online, which is how I signed up for it. It must be done over the phone or in person. When I called to demand my accounts be closed I was told to call back Monday through Friday. Fortunately the deposit has not reached the Chase bank account yet. Chase 's 48 page legal disclaimer is outrageously long and intentionally confusing. I am outraged that a banking company is able to hide the fact that they opened a secondary account under my name without my approval or knowledge. Today is XX/XX/XXXX. There has been a hidden debit card open in my name for 4 days.
Consumer complaint received 2023-01-22
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: Chime Financial Inc (MI)

I received a Chime debit/Visa card in the mail in XX/XX/2023. I never applied for this card and my credit reports do not show this card on my records. I have been receiving lots of emails asking me to activate, connect my bank account, direct deposit my pay, etc. I contacted the actual Chime customer support line but the conversation was highly suspect... .phishing for information continued.
Consumer complaint received 2023-01-22
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)

To whom it XXXX concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer XXXXw & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights . 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-11-21
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

I recently opened a Citibank account and after depositing nearly {$1000.00} into my new account the bank maliciously locked me out of my account and refuses to do anything to help me get back into my account. I need my money to pay my bills.
Consumer complaint received 2021-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Superior Holdings, LLC (OH)

I purchased a vehicle from Superior Auto in XXXX, Ohio. My loan is set up to where I pay weekly. Sometimes I've paid a month or two in advance. Recently, upon review of my auto loan account history it has become apparent to me that my payments are not being applied consistently between principal and interest. I believe the account rep and or company is not applying my payments in accordance with consumer finance law. Attempts to address this with management and the account rep to no avail. I've had to go to a different city and county to make payments at another dealership location because of the level of unprofessionalism at the office where I purchased the vehicle. While at another location a manager informed me he didn't understand what was going on with respect to how my payments were being applied and he has never saw a loan with a per diem as high as mine, when compared to loans with consumers who's credit profile is similar. 

Numerous times that I've paid {$140.00} weekly approximately half was applied toward principle and the other half applied toward interest. Other times, the split of my payments between principle and interest didn't equal the payment I made. Lastly, payment splits were applied even more disproportionately than others. Something, simply doesn't appear right. 

I have been late a few times. My late pay has sometimes been a couple of days and other times a week. I've also had a couple of returned payments. For which online payment was suspended, but has since been restored. However, I always brought the account current within 7 to 10 days. Nevertheless, my account has been current for more than 3 months. 

Recently, I resumed making {$140.00} weekly payments. The split between principle and interest has been even more disproportionately applied with the payment being applied solely to interest. When am account is current like mine the payment is supposed to go to principle and interest. 

The application of my payments to principle and interest is grossly inconsistent and has raised many red flags. I believe someone is altering payments in such a way that is lining the pockets of the account rep ( s ) and/or the company thereby violating consumer finance law and strapping me with a higher interest payment. 

Any assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TN)

I have failed 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 2018-11-21
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: EQUIFAX, INC. (IL)

I call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX   Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (NJ)

I have contact XXXX, Equifax and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Consumer complaint received 2018-11-21
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: EQUIFAX, INC. (FL)

Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Consumer complaint received 2021-07-11
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. (OH)

I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

On XX/XX/21 I went to my local XXXX to withdraw {$200.00} from an atm at that location. The transaction completed, a receipt was provided, however no money was dispensed. I informed a clerk at the store. The ckerk stated the atm was having " issues '' for the last few days and I needed to call the number in the atm. When I called the atm company they informed me I needed to call my bank. I went back home, called my bank, US Bank. US Bank provided a provisional credit while they researched my withdrawal issue. 

On XX/XX/XXXX US Bank rescinded the provisional credit. To date XXXX XX/XX/XXXX ). after a number of calls, I have yet to be told why they rescinded the credit for the failed withdrawal.
Consumer complaint received 2021-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have worked in a XXXX since XXXX and was a victim of the XXXX XXXX  XXXX in XXXX and my payments that I made in that year were not applied to my XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

i filed a dispute for XXXX transactions that was made by someone whom had illegally obtain my card information. i reached out to XXXX of the merchants XXXX of them said the room was in a man 's name using my card information. The other merchant delivered goods to an address i dont know. XXXX XXXX and do not use XXXX almost never and there was XXXX  charges made that i did not make. They told me they investigated and there was no error that occurred. If they properly investigated they would have found out the same information I did.