davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2021 I received notice that my credit score had decreased. I investigated and found out that the company I was leasing my car from had sent a final bill to an address that I hadn't lived at in a decade. Because of that, the bill was not paid and was sent to collections. 

Upon learning that this happened, I called the company and paid the outstanding fee immediately. However, the damage had been done and my credit score dropped XXXX XXXX. 

In the 18 months since that has happened, this mark is still not off my credit report and is now causing me to have to pay a high fee for my next car because I am being approved at tier 2, not tier 1. 

I have not missed a payment on anything else and my credit report will show that. I immediately paid the fee upon learning of it, and yet my credit score has only minimally rebounded. 

This is causing me money, this is causing me stress, and this is something that should have been resolved 18 months ago when the fee was paid. 

I am livid that this hasn't been resolved yet and I will fight tooth and nail until it is. 

My credit history is spotless outside of this one instance, which again, was initiated by the car company sending a bill to an address I hadn't lived at in 10 years, and will continue to be so. 

I have filed claims with my credit reporting company, with the car company, with CFPB, and left reviews on XXXX  I am looking for a resolution to this punitive experience and will not stop until I find it.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (FL)

I visited a dealership in order to buy a car. The fact that I was taking part in a car purchase for the first time put a lot of strain on me. There was always some sort of sales pitch. My personal credit was also checked and inevitably pulled without my permission during the purchasing procedure. 
When I learned that a down payment was required for the transaction to buy the automobile, it changed the type of car I had originally wanted.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I was alerted that someone had stolen my identity. 
Upon checking my credit report, I noticed that CITI Bank was one of the institutions that the fraudsters had used to open up accounts. 

While other companies were helpful, Citi Bank has not. Just a couple weeks ago I was notified that a new account was opened via XXXX XXXX, and when I called to cancel and claim fraud, they told me that team was out and I needed to call back on Monday. And then on Monday, they told me that an account was never opened. 

Then again today, XX/XX/XXXX. I was alerted that a " PII '' was opened. The fraud department could not verify this ( which makes no sense ) so then they transferred me to the loan department. The loan department asked me for my security questions. I told them I do not have an account there so those are not my security questions and I need to cancel whatever account that is in which I was told " we could not continue without the security questions. '' I asked how that made sense and he said that no one could help me unless I got the security questions. I was then told to " stop talking '' because I asked what my next steps where. 

At this point, I can not confirm what kind of account was open or what it is since CitiBank continues to let fraudsters open up accounts under my name and won't let any accounts be closed.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (KS)

This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX  and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  DATE XX/XX/XXXX
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (FL)

I Have A List Of Hard Inquiries That A Car Dealership Authorized Without My Permission. I'd Like For Them To Get Deleted Please. The Inquiries That I Would Like To Be Deleted Are 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  All Which were Never Authorized By Me. Please Fix This As It's Not Me Who Allowed For These Inquires To Be Authorized On My Behalf. Delete These Immediately At Your Earliest Convenience.
Consumer complaint received 2023-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX balance remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (VA)

I signed up to use XXXX  and pnc will not allow me to add my card. Pnc will not work with XXXX. This is very important as my kids use XXXX  and I need to be able to send them money.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

To whom this may concern, I am requesting assistance and oversight regarding the processing of my homeowner assistance application # XXXX ; my wife filed the application on XX/XX/XXXX With Texas HAF. PHH has refuses to process our homeowner assistance application unless we sign up for a family transfer package. I have declined PHHs family transfer package several times verbally and in writing, however PHH Insist there isnt anything else they can do. 

On XX/XX/XXXX I signed a third-party authorization form and submitted it to Texas HAF , who forwarded the authorization to the loan servicer PHH. 

On XX/XX/XXXX PHH informed me that they : 1. Havent received the third-party authorization form.

2.do not communicate with the Tx HAF directly 3. They require 30 business days to review the information. 
On XX/XX/XXXX Texas HAF is waiting on the loan servicer to respond. 
PHH Extended processing procedures are currently causing damage and hardship on my family. The assistance Tx HAF is currently offering would enable me to get in good standing and maintain the original payments. It has been 178 days since the submission of the application and PHH
is now demanding i add my wife to the account by submitting and completing PHHs family transfer package application.

My wife and I would greatly appreciate any assistance/ oversight you can offer. please review the attached exhibits : -XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX -XXXX XXXX XXXX correspondence dated XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX Thank you
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Emails received by companies telling me about credit card application attempted that I never made : XXXX XXXX XXXX Card Called Capital One questioning about the credit card application that I never made. 

XXXX baking account being linked to XXXX and XXXX XXXX account, that I never requested.
Consumer complaint received 2023-02-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

i had a VA loan with Wells Fargo bank i became sick and filled XXXX XXXXXXXX however i was to keep my house i tried on numerous times to talk to wells Fargo to see if anything could be down to save my house they refused to help me in any way. my mortgage was taken out in XXXX and the house was foreclosed on in XXXX with knowing that foreclosure was imminent i started to move my belongings to a rental house, Wells Fargo changed the locks and locked me out of my house before i was able to remove all my property, then they did a short sale on my property without it ever going on the market. I felt I had nowhere to turn for help in this tell i seen the class action suit i am reaching out to you to see if i might be able to be included into the suit. I am XXXX XXXX XXXXXXXX and have been sence that time my contact info is XXXX XXXX my current address is XXXX XXXX XXXX XXXX XXXX Al. XXXX phone XXXX the property that was foreclosed on is XXXX XXXX XXXX XXXX Alabama thank you for any help in this matter
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

Access to my online banking at PNC was revoked without notice on XX/XX/XXXX. I have no way of seeing activity since I am paperless. Apparently it is revoked for up to 30 days. 

My social security checks were deposited to my account on XX/XX/XXXX. I was advised by branch personnel that the amounts were blocked and could not be withdrawn. It is over {$4000.00}. My account was in credit. I live off social security. 

No phone calls from the bank. No answers to any calls including from branch personnel.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stellantis Financial Services US Corp. (MI)

Notice Of Dispute XX/XX/2023, we did application for personal services at XXXX XXXX XXXXXXXX XXXX XXXX. After asked for our social security card I was under the impression that I was entering into a consumer credit transaction. Instead on XX/XX/2023, we received a letter of discrimination. Adverse action had been taken in which it is unlawful for any creditor to discriminate against Any applicant with respect to any credit transaction. Stellantis Financial Services , Inc also obtained information from my consumer report without my written or oral permission/ consent. Notice : your financial Institution is in violation of the Equal Credit Opportunity Act the Federal Agency that administers this Act will be notified of your unlawful Acts.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

I went into XXXX  to make a purchase and I try to resolve with visa vanilla gift card. When I made the purchase I wanted to have a refund of {$75.00}. They are refusing to refund me
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-10-11
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. (MD)

I have been attempting to fix my problem with Equifax for over two years. I am a victim of the Equifax data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. 
I have filed an Identity theft report attached I have placed a claim for Equifax Data breach I have listed again, the account 's that do not belong to me. 
As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (FL)

On XX/XX/XXXX @ XXXX I received a text message from Spire Recovery Solutions asking me to contact them in reference to an account. I responded at XXXX that I had no idea what they are talking about. 

They immediately started to ask me personal information questions. ( DOB, SSN etc ) which I refused to answer until they told me what it was about. 

They directed me to call in which I didn't do because the calls are recorded and only recorded on their end. Which means I'm not afforded the protection or access to the recording. Then they directed me to a website, which requires me to agree to a number of conditions including consent to be continually contacted, more personal information, being recorded, agree to payments, that I don't even know if I'm responsible for etc. 

They then blasted me with 3 back to back auto robo text message about their hours. 

Then yesterday XX/XX/XXXX @ XXXX they text me that they will not disclose any information to me before they get the information they want. At XXXX I asked them to not contact me again since they won't tell me what this about. 

Today XX/XX/XXXX @ XXXX they again contacted me ( after being asked to stop ) telling me that they will not stop contacting me and if I change my mind and would like to give them the information they want to call them at XXXX I responded @ XXXX asking them again to stop contacting me and informed them that I will be reporting this and all future violations. 

This entire thread has been documented through text messages which I also did not consent to.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc. (GA)

XXXX for Solar Panels, Dividend was and is a part of XXXX XXXX XXXX XXXX XXXX They misled their customers by performing fraudulent loans on Solar Contracts with consumers with malice intentions on consumers in GEORGIA! The solar panels never worked for us, we got them installed in 2021! Please research the company before you do business with them! XXXX XXXX XXXX XXXX XXXX have victims, XXXX these companies, you all can verify what I am saying is true! The Solar companies filed bankruptcy and we dont have no one to fix the equipment!
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

We went to court around XXXX, before COVID-19 started. I was trying to recover from XXXX and XXXX XXXX. The original Creditor is XXXX XXXX in which XXXX XXXX  had shared my XXXX records to ( XXXX XXXX XXXX ) without my permission and going against the ( HIPPA ) Law ... I will be sending information in the mail of what he sent me apart of my union bill that explains the work I had done.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

For the last four years I have submitted a request to all majors credit bureaus to update my name due to name change. I have submitted documentations, such as court documents per name change, birth certificate, and social security card as well as a letter of request. 
I
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I have been trying to resolve a derogatory account on my credit report for months. I have called CBNA sears syw account multiple times and the company will not resolve my issue. When I call they say the account is flagged as fraud and they transfer me to fraud, when I speak to fraud they say it is not flagged as fraud and transfers me back the the same department I just spoke to. I have been going in this never ending circle for months. I am trying to purchase a house and this is the only negative account on my credit report and it must be resolved. How can you continue to report someone late every month while also refusing to take their payment or resolve the account? I need your help.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

They closed my credit account with amazon because it hadnt been used in 9 months, I called to try to get it reactivated and explained the only reason I hadnt used the account was I was trying to purchase a home and was advised by my broker to not used my credit before my loan was finalized. My credit has done nothing but increase since Ive had this card, and I had a perfect payment record for over 2 years since opening my account. They did not care and said I would have to reapply if I wanted my account back. Now the account being closed will likely affect my credit in a negative way.
Consumer complaint received 2023-02-23
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. (CA)

you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me fornegligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I called BOFA ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX, XXXX, representative XXXX answered the call and hung up on me. According to recent XXXX, Bank of America reported a visa account as ( Inactive ), all of the years, from XXXX through XXXX in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX where merchant refunded the money to my Visa. 
The Bank of America either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and zero balance. So allegation of charge off or loss to Bank of America is false and fabricated. Or inclusion of " account under investigation '', is done by BOFA maliciously, I was the innocent party in the transaction. 
XXXX XXXX