davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On Thursday XX/XX/XXXX, I made a payment over the phone with a CapitalOne Credit Card collection agent. This payment was in the amount of {$1200.00} to bring my Credit Card balance back to good standing which is my {$800.00} Credit Limit. I must admit I have had a very rough time financially since testing positive for COVID19 back in XXXX and been furloughed from my job. Back in XXXX I did call CapitalOne to look for COVID19 assistance and I was enrolled in a program that prevent me from accessing late fees. This was a huge help for me, because it prevented my balance from going higher while I was fighting to survive at home while I was on isolation without any income. The CO agent advice me it would be on my best interested to pay the whole amount of {$1200.00} to bring my due balance back to XXXX which I agreed to do even though that is all the money I had left from my stimulus package. I thought maybe if I pay the full amount now CO will stop reporting negative payment to my credit. On Friday, XX/XX/XXXX I saw my payment had posted and my balance was back to {$0.00} and my available credit was {$800.00} which was a great feeling. But that all changed today Monday XX/XX/XXXX when after logging into my CO bank account I noticed my credit card had been CLOSED DOWN. I immediately contacted CO to see if there was a glitch in the system. The customer service informed me my account was scheduled to closed on Sunday XX/XX/XXXX. When I asked how is that possible? I just made a payment on Thursday and it was posted on Friday. How can my account closed 3 days after me making a payment? The agent stated my account was already scheduled to be closed because it had been over the limit for 91 days. The 91 days supposed it take into effect on Wednesday, XX/XX/XXXX. But when I called on Thursday XX/XX/XXXX the agent stated my account was still open and that I should make a full payment to bring it back to good standing, however the account was closed down on Sunday XX/XX/XXXX, three days after I had already submitted a full payment. 

CapitalOne made a mistake and allowed a closure to be processed even when the payment had been submitted and processed. The agent I spoke today informed me this account can not be re open and that I have settled my debt with capital one. What debt?? My credit limit was {$800.00} I just owed {$430.00}. So this means I get nothing? This is very unfair, specially to someone who has been home not working or getting paid due to COVID19. I don't know how I am going to make it to the end of XXXX. I am a single mother of a XXXX XXXX XXXX daughter and all I wanted was to pay my due balance and have my credit card back to good standing. 

Please help me. 
XXXX.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGASTAR FINANCIAL CORP (MN)

I was provided with contact information for XXXX XXXX XXXX a lender at MegaStar Financial Corp. by a realtor with the best of intentions. When I got in contact with Mr XXXX one of the first things he advised me to do was pay off my debt including a {$15000.00} vehicle loan. This is a substantial amount of money for me at any time but especially now because Im currently furloughed due to COVID-19. I felt a genuine unease not only because Im a first time home buyer but because my mental ability for making decisions has been severely compromised due to XXXX both of which require me to rely heavily on people who are supposed to be professionals. I proceeded with Mr XXXX advice and after paying off all but my car, which I was still reluctant to do, I contacted him to let him know the progress. The first thing he said was what about the vehicle? It was obvious that Mr XXXX wanted me to pay off my car. After I did what he advised I contacted him once again to let him know. It was at this point that Mr XXXX informed me that I was ineligible for a loan at this time due to the furlough. A fact Mr XXXX had neglected to inform me of prior to paying off the vehicle. If he had informed me I would not have had a reason to proceeded in paying off my car loan at this time. My lease is up on my apartment next month and I dont have a house or the {$15000.00} I will need for a place to live and to fund my education over the summer. Im less than 60 days away from being homeless. Advising a furloughed restaurant server with limited funds in the middle of a pandemic to pay off a {$15000.00} car loan is not only incompetent it is negligent. In his follow up call Mr XXXX actually used his own lack of debt as some kind of standard because like he said he only pays cash for his cars. Mr XXXX is a working banker and I am an out of work waiter, his comparison only further proves the incompetence. There is however something called an ethical standard. {$15000.00} may not be a lot of money to him or anyone reading this but it is to me. The distress this has placed on me is borderline fatal at this point.
Consumer complaint received 2020-05-18
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-18
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. (NY)

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX at the time I had got injured on the job.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP (NY)

I purchased a truck, utilizing XXXX XXXX XXXX  for the loan/ Lien.XXXX XXXX XXXX notified me they had not received a payment as of XX/XX/XXXX. I sent a payment via KeyBank bill pay XXXX XXXX In the amounts of XXXX $ I Input the correct address. ( I was out of state and when I returned home started contacting key bank ) XX/XX/XXXX spoke with dispute specialist XXXX. She stated the payments were sent. I called XXXX XXXX, with XXXX XXXX XXXX merged the phone call with KeyBank, and he was given permission by me to search the routing number, as the funds were not received at XXXX XXXX. XXXX found that the funds were routed to XXXX XXXX XXXX  XXXX. We relayed this information to XXXX. Multiple calls were made between KeyBank and XXXXXXXX XXXX XXXX After a week, on XX/XX/XXXX with no satisfactory responses, I filed a letter of complaint to my bank branch KeyBank XXXX and XXXX XXXX XXXX. it was received by XXXX XXXX, and subsequently the VP branch manager XXXX XXXX. As they were giving me a month for response, I went home and called key bank HQ. Spoke toXXXX in dispute dept. She ended up transferring me to XXXX in fraud hotline. She forwarded me to XXXX in case analysis OA. She stated she would call me back after lunch. I received a call at XXXX XXXX  from XXXX. I was told that XXXX and XXXX found the funds in the returns area. With XXXX on merge call and my husband listening in, they told me ( my most recent payment on XX/XX/XXXX ) would be at XXXX XXXX tomorrow, and the other 2 payments would be there in 2 business days. I got another call from XXXX XX/XX/XXXX that he received the XXXX payment, but not the ones from XXXX or XXXX. I called key bank yet again, and liters after hours of phone transfers and waiting, started at about XXXX, was directed to speak with XXXX , but she was in back to back meetings and would call later. 4 hours later and many holds and transfers, XXXX got on the phone, and stated she would NOT get back to me any time soon, and that this case was escalated to the top tier. UNACCEPTABLE. The payments are over 3 months in arrears, I am in danger of repo, and credit decline. I have lost wages due to all the runn around and empty promises. I was told it was resolved a week ago, and now more waiting. Today is XX/XX/XXXX at XXXX XXXX. Please help. I spoke to 16 KeyBank employees and went through the verbiage with all of them.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I am a student moving out and was selling furniture online ( Total price was {$180.00} ). 
I was contacted by an individual who was interested in buying the same. 
The buyer sent me money through her 'company financier ' in the form of an e-check, for {$890.00} which I deposited into my PNC bank account using the mobile deposit feature on XX/XX/2020. 
The amount of the deposited check was posted into my account on XX/XX/2020. The buyer then asked me to deduct the amount for my furniture ( {$180.00} ) and send the difference ( {$700.00} ) via XXXX to movers who would be picking up the furniture. 
The next day, XX/XX/2020, she told me that the initial movers had canceled and so sent me another check of {$750.00}, through the 'company financier ' to be sent to a new moving company. I again waited for this e-check to be deposited into my account, once the funds were in my PNC account, on XX/XX/2020, I sent the entire amount via XXXX to the second movers. 
On XX/XX/2020, the predecided day on which the movers were supposed to pick up the furniture, none showed up and I received an email from the buyer saying that she would no longer be buying the furniture. 
On XX/XX/2020, I was informed by PNC bank that the initially deposited check of {$890.00} was being returned. I was then again informed that the second check of {$750.00} was being returned as well. 
As a consequence of this, my bank account has also been overdrawn which is negatively affecting me. I had made the payments against these checks only after PNC made them available in my account which should have reflected that they were verified. 
As a student account holder, I would've expected PNC bank to be more vigilant about the activity before allowing funds to be present in the account. 
Due to this entire transaction, I have lost $ XXXX $ XXXX {$1600.00} which is incredibly difficult at this point in time and caused a grave inconvenience.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX The following names on my credit report : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX These names are incorrect spelling of my name, nor do I go by or been called by or mailed information in these names they are illegally reported to my credit report with the company Experian. 

2. My Address : The only address I can verify and do receive mail at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong to me, nor can I receive mail at this address. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2022-07-05
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. (GA)

XXXX states that I had a late payment of {$740.00} past due as of XX/XX/2022 and the account is still open but that is false information. 

I had an open dispute with XXXX, XXXXXXXX  and my bank because I was due a full refund because of a canceled vacation. I was sent an email by XXXX on XX/XX/XXXX & XXXX, stating that my refund has been processed which was the full amount. I've never made a late payment to XXXX. XXXX states that since there was a chargeback between them and my bank, it caused the system to show that I haven't paid the money since it was returned by the bank. XXXX falsely accused me of making a late payment while we were in the middle of the dispute and refund process. I even made a payment to XXXX on XX/XX/XXXX while I was waiting on the process to finish to avoid any late payments.
Consumer complaint received 2020-05-18
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. (CA)

Agreed to paperless invoicing. When I received monthly e-invoice by email to click on link to make a payment, XXXX platform would take me to my XXXX Visa, not MasterCard. I did not realize this error and that my payments were going to my XXXX Visa ( resulting in double payments ) until MasterCard was late and behind in payments. I called XXXX and spoke to a Manager. She agreed technical glitch in their platform did not take me to the payment screen for the M/C credit card invoice I received but to a different card, my XXXX Visa. XXXX reversed all late payments. I have always been current on payments. Payments were low ; I would have never NOT paid this on time. Because of electronic platform issues, now my credit rating is low and flawed. Please reverse if possible. I have asked XXXX to escalate this issue to their IT specialist to  resolve the issue and removed myself from paperless invoices.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (GA)

I opened a dispute with Equifax due to inaccurate information being reported. After the initial dispute investigation the items remained. I then contacted the credit bureau again by certified mail requesting the method of verification of the initial items disputed that remain on my credit report. Equifax ignored my request for information that I legally have a right to know how they obtain information they report on my personal consumer report.
Consumer complaint received 2022-07-05
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)

And accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-07-05
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. (PA)

Multiple inquiries on my credit report that I did not authorize 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 XXXXXXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

Since Bread XXXX took over Comenity Bank or partnered with them. I can't access the website or contact customer service. The Bills are not coming to my home nor I can call and speak to customer services. I have XXXX, XXXX, XXXX, and XXXX XXXX XXXX  cards and can't contact customer service. They changed my XXXX number and when I try to gain access by calling they make an announcement that they can't talk right now. The statement on the website : You can now check your balance and make a payment online by signing in below or using Comenitys EasyPay. If you made a payment thank you! You may not be able to review your payments as quickly as youre used to ; we are working to restore this feature. We know the recent system outage has been frustrating and we are working to ensure a fair resolution for impacted customers. 

However, I can't gain access to my account since XX/XX/2022. Then when you call there is no customer service online. I paid by phone. Then I checked the website they took me off the website because I had an Identity theft by Bread XXXX and called the police. Then customer service tells me to send an email and they never respond. There is a need for an investigation with Bread XXXX who partnered with Comenity Bank.