davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
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. (AR)

Report # XXXX was sent to me dated XXXX from Experian Consumer reporting agency in regards to a fraudulent dispute I submitted to Experian for accounts XXXX XXXX  acct # XXXX and XXXX # XXXX. This is the 3 attempt in the past 2 months someone has opened a fraudulent loan account in my name. After realizing my identity once again had been compromised I immediately followed specific instructions from the local authorities and completed and identity theft report which also included fraudulent inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. My file still contains fraudulent addresses that were disputed over a year ago which are XXXX XXXX XXXX and XXXX XXXX XXXX. In addition to identity theft report I specifically requested Experian to remove all other fraudulent addresses from my credit file which are still currently displaying as of today. Experian has deliberately ignored my request after receiving all necessary supporting documentation and has the audacity to include on the dispute results page 1 of 8 " If you believe you were a victim of fraud, you may contact your local law enforcement agency to make an identity theft report '' which is exactly what i did. Experian has and continues to violate Sections 605b, by not blocking the fraudulent associated accounts after being notified within 4 days, section 609, and 611 of The Fair Credit Reporting Act. I find this totally unacceptable as a consumer and If this issue is not resolved I will be forced to file suit. Any individual who has access to my personal information would be able to portray themselves as myself and Experian has failed to provide any significant physical verification obligating me to the fraudulent accounts, addresses, and inquiries listed above. The data furnisher or e-oscar automated verification is not considered to accurate verification just verifying a consumers name, address, and social security number.
Consumer complaint received 2020-06-27
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

This complaint is in regards to a late payment that was reported by Wells Fargo Dealer Services onto my three credit reports. The late payment was reported XXXX of XXXX. However I want to note that my car that I had financed through them XXXX XXXX XXXX was traded in during the month XXXX and also made a payment on the account the day before I traded it in. So I know I wasn't 30 days late on the payment for XXXX. Wells Fargo even sent me an overpayment check a few months later in the amount of my last payment.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

Follow up. I am thankful for a response, however the collection agency is avoiding the fact that they're in violation for continuous reporting of an account that they have no documentation to support. 

XXXX, I appreciate your response - however, I have already filled out the XXXX XXXX fraud packet. As stated, I've dealt with them personally. Or attempted to rather, they stated they're no longer liable or responsible, and for me to contact the collection agency. I already completed that packet.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (CA)

Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Consumer Financial Protection Bureau I am writing you regarding SANTANDER BANK N. A. who has violated the Bank Privacy Act. 
We have been a customer of SANTANDER BANK ( formerly XXXX XXXX  ) for the past 10 years. XXXX XXXX XXXX established this account under XXXX XXXX in the center city XXXX in XXXX. The authorized signers on this account are XXXX XXXX and XXXX XXXX. 

The problem occurred XXXX/XX/XX/XXXX when SANTANDER BANK attempted to give our account to someone else named XXXX XXXX at a branch in New Jersey. And from what I understand from Fraud Department that this person had to tell them the account was not hers, let alone XXXX XXXX was a child of XXXX years old. 

I contacted the bank on several occasions about this matter and let them know that since our account had been compromised that I wanted them to open another account. At this point they informed me that to open another account I would have to complete a Certificate of Organization for a Limited Liability Company and pay {$120.00} to do so. I let them know they caused the problem and needed to correct the situation so we could continue doing business, and they did nothing. 

I have attached three ( 3 ) letters I sent to SANTANDER BANK addressing ; XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX customer service manager #  XXXX, XXXX XXXX, Co-President/head of Consumer & Business Banking and XXXX XXXX, CEO all sent via email. 

I would like it to known that SANTANDER BANK violated our privacy and should be sighted for that and the way they have inconvenienced us because of their lack of procedures. 

I appreciate you looking into this matter and you can contact me by email or telephone.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

After filing my last complaint about the 30day late payment in XX/XX/2020, XXXX agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on Experian.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

Text received on XX/XX/2019 and XX/XX/2019. 

Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative.
Consumer complaint received 2020-03-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2018 statement confirming previous balance {$1100.00} payments {$77.00} other credits {$700.00}. NEW PURCHASES IS INACCURATE I DID NOT PURCHASE NEW {$680.00}. These are the * USAA Hidden in Secret ( secrets are lies ) UNAUTHORIZED FRAUD INTERNAL New Purchases NOT MINE. {$9.00} XXXX XXXX XXXX XXXX XXXX. USAA FRAUDULENTLY FRAUDS CONSUMERS WITH HIDDEN INTERNAL CREDITS TURNED INTO NEW PURCHASES IN SECRET.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

I have been working with NewRez for a while. They hold my current mortgage and, after negotiating, I was able to get them to agree to be competitive with other rates I was receiving. They started talking to me about the loan and I was very happy as it was going to save me 200-250/month and add very little to the loan. Eventually they were sending me LE and they were wildly inaccurate. They told me I simply needed to sign one and that they would get the correct numbers to me later. So I did. It took about 3 weeks for them to get me correct numbers and then they asked me to re-sign the original, incorrect LE. They said it was a technical glitch on their end. 

Then they started asking me for documents. I submitted all docs onXX/XX/XXXX and, somehow, they all disappeared and I was asked to resubmit those same documents again, sometimes 3 times. 

Lately the rates have been falling and I asked my mortgage lender about what he had told me on XX/XX/XXXX that if the rates begin to fluctuate downward, then they would move the rates downward as well. I asked a friend of mine to call NewRez as a potential customer. With a worse credit score and similar loan amount, he was quoted a quarter point lower than I was. When I asked this of XXXX XXXX, I was told that I was locked in and they could do nothing, even though that is not what he said on XX/XX/XXXXto me. 

My concern is : 1 ) I am being scammed. 
2 ) They continue to lose my documents that have my personal and security information on them. I am worried that I will be a victim of identity theft. 

Overall, if this loan ever does come through then I will save 200-250/month. But  unfortunately I feel this company is scamming me by lying about the lack of floating lock and losing all of my personal documents. 

I was also told that I would not have to pay both XX/XX/XXXX and September mortgage payment as the loan would be in place. So far I have paid XX/XX/XXXX and, if things don't move quickly, will be paying XX/XX/XXXX. Unfortunately, since they continue to lose my documents, it is slowing the process. 

Finally, I was told I would not receive my leftover escrow back but that they would lower the loan with it. That is not on any documents that I ever received, even though I have asked them multiple times for it.
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2019-08-07
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: Experian Information Solutions Inc. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NJ)

I was XXXX with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This complaint is connected to complaint number XXXX that I previously submitted. 
After Bank of America told me I was not approved for a refinance, I requested an adverse action notice. I was told I needed to " formally '' apply and pay the credit report and appraisal fees totaling more than {$550.00}. The fees are not refundable. I do not understand why Bank of America would charge ( and KEEP ) an appraisal fee when the company has no intention of completing an appraisal. 

The conversations about this took place on XX/XX/XXXX at approximately XXXX E. T. I was told the conversation was recorded.
Consumer complaint received 2019-08-07
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. (NC)

XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX   Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have not authorized these hard inqury and when i contact Equifax they will not help me at all.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (WY)

I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XXXX, I requested my XXXX credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within XXXX days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.
Consumer complaint received 2020-09-14
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: SYNCHRONY FINANCIAL (TX)

I have 2 hard inquiries I have already disputed more than once with XXXX  in writing for Syncb/PayPal that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to Syncb/PayPal and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX  on XX/XX/XXXX and have also disputed more than once directly to them. 

I have XXXX  hard inquiries reporting to XXXX  that I also never authorized from XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with XXXX and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report XXXX XXXX
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (NY)

I tried to open a chance bank account it was denied because of a bad report they received from XXXX it was probably because key bank closed me an account because of a XXXX   check of a deposit XXXX $ that wasnt on my nam I didnt know that is a problem and i believe that this happeneing to everyone I dont know they making Big deal of that hope there is a way out because if not a dont know if its possible to leave in this world if for every XXXX  thing they gon na destroy my live
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is failing to report any credit history on my credit report. ( Please see the attached copy of my credit report. ) This purposeful omission of not reporting is harming my credit score. I have contacted the bureau to fix this, however I have not been successful. I respectfully request that Transunion update my credit report to reflect my credit history and current credit information.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

XXXX XXXX refuses to tell me how they are coming up with my loan forgiveness date. They always say they will get back to me. I have tried calling, letters, and a prior complaint to CFPB in which they responded on XX/XX/17 saying that they would get to me. This is over a XXXX later and they still have not gotten back to me!