davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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: AMERICAN EXPRESS COMPANY (TX)

American Express sent a letter numerous months ago, After I advised them I was a victim of identity theft, and that I did not open any accounts with their institution. Stating that I am not liable for these account 's and that they would be deleted from the 4 Credit Bureaus they were reporting to. Later 6 Month 's later to be exact American Express re inserts this account, and re reports this account from XXXX   that I NEVER OPENED Nor received, They send a new letter stating that I made payments from both a XXXX XXXX XXXX checking account and a XXXX  checking account. I have not ever had an account with XXXX XXXX  XXXX, Nor XXXX Bank. These two checking accounts were marked fraudulent many years ago and those banks closed those accounts due to identity theft. Again I have never done business with either of those institutions. Nor do I have accounts with either. So not only is American Express creating false accusations, that they don't even have Facts for or knowledge of. They are inserting false information to the credit bureaus and on my credit report showing a card with a {$500.00} Limit " Closed by Credit Grantor '' I do not have an account with them, nor ever had an account with them. As I have stated. Again, The information they have provided saying payments were made from checking accounts and savings accounts that were ultimately closed due to identity theft. I do not have business with neither XXXX nor XXXX XXXX XXXXXXXX. So Again American Express did not conduct their research very well.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a XXXX related account that they purchased. XXXX was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Account was opened in XXXX XXXX 's name in XXXX XXXX. I filed forms to change the account into her trust which I manage as trustee on XX/XX/XXXX. Capital One bank immediately marked the account as suspicious and froze the funds. I have repeated contacted Capital One trying to resolve the issue. 

Finally on XX/XX/XXXX Capital One granted access to the account as Power of Attorney for XXXX XXXX. 

As of today, XXXX XXXX, Capital One will not release the funds.
Consumer complaint received 2021-05-13
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/1202 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-16
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: National Credit Adjusters, LLC (CA)

I dispute a collection on my credit report with XXXX I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and XXXX removed them with no problem. Now I have the last collection that I have paid and wanted removed and XXXX will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a car was targetted to pay a insanely high rate after trading in my vehicle to purchase a new XXXX XXXX. The engine went bad and other things occurred during the time I had it which coated thousands. I've said XXXX on a XXXX car. they targetted me on a bad loan, called me none stop, lied and charged me more. This has destroyed my credit I can't find a good lawyer. I have zero paperwork from them. My car had gap insurance, I was paying about XXXX a month just to drive and did this for year 's. They limited my life destroyed any chances of my life going forward and this created damages to my business.

I was told first month was due at the time of the next ... I argued this and it then later turned into oh you're late and owe double, then denied me the chance to refinance when they lied!!! One month later. I traded my {$3000.00} jeep in for that and they still lied!!!! {$16000.00} + jeep fees
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/XXXX I entered my XXXX XXXX XXXX application and notice that my funds have gone down by just about {$3000.00}. I go to check my activity and it shows that there has been two recent transactions, one for the amount of {$1900.00} and the second one for the amount of {$990.00}, both of these transactions carried out by Western Union. The next thing I do is Log in to my western union account and as soon as I do that and check on my recent transfers, I notice a third transfer was in progress for another {$1000.00}. Luckily I stopped that last transaction but I couldn't cancel the two earlier transactions totaling to {$3000.00}. 
First thing I do is check where the money is going, it shows XXXX and the money is being sent to two different names. At this point I knew my account was hacked or my information to my account was leaked because I never in my life sent money to XXXX and I don't know any of the names the money was sent to. the names weren't saved on my account. I immediately called Western Union to report my problem and my account was closed immediately. i was told that there will be an investigation but its most likely that my money will not get refunded because it seems that I logged into my account and made the transaction myself. Plus they also told me that there is no sign of a hack or any other entry into my account. I explained clearly that I have no relatives in XXXX and that I never send such a big amount. They still told me its most likely that I will not get my money back. I proceeded to call my bank and report that transaction as unauthorized. A few days later I was told by my bank that this kind of problem has to be Solved and Refunded by Western Union because my money was taken out by Western Union. I was then referred to call Consumer Financial to help solve this problem and hopefully get a refund.
Consumer complaint received 2021-04-16
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. (CA)

I dispute a collection on my credit report with experian. I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and Experian removed them with no problem. Now I have the last collection that I have paid and wanted removed and Experian will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.
Consumer complaint received 2021-05-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

In 2016, when I was still a teen, a debt was not disclosed with me as being sent to a collection. I was under the impression that my student loan of roughly {$2000.00} was covered with XXXX  college of XXXX XXXX. 
I was young and unaware of any debt that I owed, as my parents told me it was paid in full. 
As time passed and I finally discovered this was on my credit report, it was paid in full immediately. 
I did not neglect this debt or deserve to have it sent to collections at such a young age with no warning. 
Based on my other credit history, I have never missed a payment, nor have a been in this situation with any other company. 
I believe this situation needs to be looked at more seriously and a fair solution needs to be provided. 
This should be removed from my credit report immediately.
Consumer complaint received 2021-04-16
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - TOTAL VISA XXXX XXXX XXXX account is reporting a 30 late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Consumer complaint received 2022-06-04
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. (FL)

You are reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-12-27
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (NC)

XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed
Consumer complaint received 2021-05-13
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. (VA)

I have an ID Notify credit monitoring account with Experian. In 2017, when XXXX was hacked, my Social Security Number was among those compromised. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence.

Now Experian 's ID Notify is unable or unwilling to do their job. In XXXX I found a negative and damaging report on my ID Notify site that was NOT my debt. I contacted them to correct the problem. After a few weeks they sent me a letter stating that the negative report stands. As I stated, this is not my debt. 

The claim is that I owe {$4300.00} to XXXX University, and the collection agency XXXX XXXX XXXX XXXX XXXX, PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX University or XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Experian? 

I tried to log in to the Experian online site to address this issue, but my ID Notify Username and Password do not work there. Because the site states I have an account there, I provided my Birthdate and my SSN to get an email reminder. Experian sent an email to XXXX. I have NEVER had a XXXX email. In addition to the bogus email, Experians Credit Report has two bogus residential and business addresses listed for me one in XXXX, and one in XXXX. Ive never been to XXXX, and only visited in XXXX. There is no way in to Experian to communicate these errors because the XXXX email I've never had is the only way to sign in. 

So Experian has the audacity to allow a negative report to attach to my credit and refuse to amend it because the collection agency is sure it is me although even Experian cant get my info right, and then presumes to judge my creditworthiness. How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

I have worked so hard to have good credit, and just when I need it most for a loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX we returned the car at the local dealership. They told us to just leave the keys at the front desk and they would send the release of liability. This took about a week to get after several back and forth communications but we did get it. At this point we thought everything was done. 

About a week or two after that we received a letter dated XX/XX/XXXX. This letter stated that we owed {$2100.00}. 

I called in late XXXX or early XXXX, I don't recall the exact date. After calling the number they explained that they do an inspection after we drop off the vehicle and found that there was damage to the car, we were missing a charging cable, and there were additional fees. 

In good faith I paid the {$400.00} " Turn in fee '' as supposedly it was in the contract. I also paid the {$.00} " unpaid lease payments '' as it minimal and not worth disputing. 

I was told if I disputed any of the charges I have to mail in a letter explaining my issues. I chose to do this certified and sent the letter on XX/XX/XXXX. The letter was received XX/XX/XXXX, XXXX XXXX. 

I disputed the {$250.00} in damages as I have pictures from the day of turn in at the dealership showing no damage. I also disputed the charging cable as they didn't even inspect the compartment under the trunk floor where we kept it, this was in the pictures from there inspection. I have no way to prove that I had it in the car at drop off since they accepted the vehicle as is and the charging cable can be easily removed, lost or, stolen. 

While waiting for a response Kia financial called my wife, threatening again to damage our credit even though we have no response based on the dispute letter. Since the only options for dispute they gave us we followed quickly, we have no recourse. 

Because we value our credit, we have now sent in a replacement charging cable. This was sent on XX/XX/XXXX and was " Delivery attempted - no access to delivery location '' on XX/XX/XXXX. This cost us {$44.00} for shipping and is valued at {$1500.00} per Kia Finance. 

We still have not heard back regarding our dispute letter. The electronic version of this letter is included as a word attachment to this complaint.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

This is in regard to my previous complaint XXXX. 

You claim that I violated your AUP and that you have the right to deduct un-realized damages of up to {$2500.00} from each violation. 

First, I did not violate your AUP. I did not transact or accept or request any gambling/raffle or " XXXX XXXX '' money using my PayPal account. 

I have tried to ask your customer service via phone and message center for details of your claim but they will not provide them. You have made it very difficult to obtain due process in this matter.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed
Consumer complaint received 2020-09-02
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. (TX)

I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

On XX/XX/2021 the SBA sent a Bank Wire in the Amount of {$9000.00} to my personal checking account I have with Chime. It was rejected by Chime. I was told that it was rejected because of the name on the check. Upon further research, there were no errors in my name. I was emailed and told that it was rejected because Chime does not receive Business Loans to Personal checking accounts. 

I explained that in my state a sole proprietor/ Independent Contractor/Owner-Operator of a business is not required by law or the IRS to have business banking. That my First loan and advance was received without a problem. 
I have not been able to reach anyone at the SBA to update banking information. 
I feel marginalized and discriminated against by my bank. They have harmed my business and my mental and emotional state of mind. Preventing me to move forward.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XXXX I received notice that I could request a forbearance/deferment on my mortgage with Rushmore Loan Management. I requested it because I lost my job. It was approved for 3 months. In XXXX, anticipating that I would need another 3 month extension of this I went on the website and requested it again ( ( as it stated to do so on their website ) After no response and several attempts on their website submitting the requests, I started receiving multiple calls a day from them, with NOONE on the line. Would answer and no one would say anything!!! 
In XXXX I received a call and someone actually spoke and I explained the situation. on XX/XX/2020 I emailed and provided their LOSS MITIGATION department a hardship letter and provided proof of unemployment. I continued to receive calls and on XX/XX/2020 I asked the person WHY they keep calling and are not replying to my hardship request for extension or forbearance/deferral???? She apologized and said someone would get back to me-that she saw I had submitted the requests .... 
On XX/XX/2020 I get bombarded again and again I ask them why they are calling when I have submitted everything to them??? they state I didn't SIGN my letter ...???!!! 
So I email it AGAIN with a signature this time. I have called and emailed everyday since XX/XX/2020 looking for an answer and they initially act like they haven't received anything and then apologize after they see I have. Today I demanded a call from a supervisor to get and ANSWER as we are now going on 90 days since my forbearance/deferment ended!!!! I also went on their website and logged in and see that all my loan info is not accessible, nor am I able to even make a payment on there!!! 
I stated to them that I do not want my loan pushed into foreclosure as I intend to keep my home and have a temporary hardship. They are playing games letting the time go by so that they can try and push me into foreclosure!!!! ILLEGAL ACTIVITY BY THESE INVESTORS AND SERVICERS AND IM SURE THEY ARE DOING THIS TO OTHER PEOPLE. PLEASE HELP!!!!!