davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (MD)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-28
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (WI)

The decision maker at Nelnet are willful in not honoring my request to delete my account from XXXX  and XXXX  ; Here 's my point please share with director of compliance, let me explain while there is no minimum time frame a account must stay on report there is a maximum. so at the sole discretion of any company they have rights to remove an account early without violating the fcra. 
I am writing to please ask the director of Compliance to honor my request to remove info off XXXX  and XXXX. Sincerely Resolution Sought Remove account from XXXX  and XXXX.
Consumer complaint received 2023-03-28
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. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-06
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. (TX)

XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, EQUIFAX AND XXXX  )
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/20, I purchased an XXXX gift card for {$500.00} which I sent to a client a few days later. The card arrived unopened and intact with no signs of having been tampered with. On XX/XX/20, my client emailed saying he was about to use the card and when he had checked the card balance on the XXXX website, it showed someone had stolen {$490.00} from the card on XX/XX/20 leaving a balance on the card of {$5.00}. The client printed out and provided to me the activity for that gift card showing the card purchase and the unauthorized disbursement of gift card funds. It shows someone with a PayPal account in the name of XXXX XXXX stole the money and passed it through PayPal. He also emailed photos of the card and the card envelope. See attached. I have also attached the receipt for the purchase to cross-reference the card information on the package to the card information the receipt. 

on XX/XX/20, I contacted XXXX who said I must contact PayPal for any help recovering the stolen funds since they were " laundered '' through PayPal by the thief. 

Beginning XX/XX/20 and multiple times since up to XX/XX/20, I have emailed and left written messages on PayPal 's " Message Center '' explaining that theft/fraud had been committed against me by one of their users using their payment system and asking them for a response. PayPal has provided NO RESPONSE. 

I have also called multiple times to the PayPal phone number posted on their website and on the printout of the XXXX card activity - XXXX. Each time, after going through the lengthy phone menu to try to speak to someone at PayPal, a phone messages says there is no one available to service this call now and the call disconnects. 

I want PayPal to take responsibility for ... 1 ) the fraudulent use of their system by one of their users ( the thief who stole my and my client 's gift card funds ) and ... 2 ) their failure to provide to me any response to my repeated requests for help and ... 3 ) to recover the gift card funds from their account holder who stole them and reimburse those funds in full to me.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

I opened an account with Citi bank XX/XX/2020. Account # XXXX ( Citi Priority ). I opened the account online with an assistance of a representative over the phone. At the time, For Citi Priority account they had an opening bonus of {$700.00} promotional code XXXX. I was required to deposit {$50000.00} within 30 days of opening the account. I deposited {$50000.00} XX/XX/2020. I was told I need to maintain the deposit for 60 days and I will be paid a {$700.00} within 90 days. Between then and the end of XXXX, I maintain the amount required. I contacted the bank about three times between XXXX and XXXX. I was told my bonus will be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted the bank to check the status. I was told, they don't see any promotion and they will open an investigation. Today, I received an e-mail advising me, unfortunately they do not see any promotion code and they will not be paying any bonus.
Consumer complaint received 2021-02-09
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. (TX)

On XX/XX/ 2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-02-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

Hello I am a single XXXX American woman residing in XXXX NY. In XXXX of XXXX I purchased my home in the XXXX XXXX section of XXXX NY. The total purchase amount was considered a jumbo loan so I had to take out 2 loans at closing ... one was a conventional mortgage at 4 % and the second was a line of credit from PNC bank for the balance {$150000.00} The interest on this second mortgage was and still is 9 %. I have tried 4 times throughout the life of this loan to modify to a lowered interest rate. Each time up until recently ( XX/XX/XXXX ) in the XXXX of a pandemic I have been denied. I started the process in XX/XX/XXXX, submitted numerous documents via fax and XXXX only to be told that I did not qualify for a modification, that I had exhausted all other options and that I am now 4 months past due. The reasons given for the denials is always that my income is not sufficient to qualify. So I am forced to continue to pay an interest so exorbitant on a package they no longer offer for new applicants due to its predatory nature. I believe that ECOA violations have occurred and I wish to file a formal complaint against PNC bank for Discriminatory mortgage lending practices.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (FL)

The bank is requesting documents to verify my Unemployment deposit. I sent requested docs including a w-2, a photo id, a photo of myself holding photo id, and benefits receipt from website. They are asking for a PUA letter. I don't have PUA. I have standard unemployment. I have delivered all docs possible and now they won't answer my emails.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

I closed on a home XX/XX/XXXX. I was assisted through the process by XXXX Mortgage. During the closing day signing, the XXXX agent was asked by the title agent if they would be selling the loan and she advised no. Unfortunately, this was not accurate and XXXX sold the loan before the first payment due. My loan was immediately sold to Village Capital with my first payment due XX/XX/XXXX. My payment amount from XX/XX/XXXX through XX/XX/XXXX seemed to be in line with the payment amount and documents advised during closing of {$2800.00} which included $ XXXX for mortgage insurance for loan type. XXXX of XXXX my monthly loan amount increased to {$3400.00}. It advised it was to balance escrow so I thought it was not going to be a monthly increase the first time I saw the payment difference. XXXX statement my monthly mortgage has now increased to again to {$3400.00}. I called Village capital on XX/XX/XXXX. In the call to understand why the increase and would this be ongoing the rep said the increase was because they used and analysis tool and based off of their findings, they found my mortgage would be {$630.00} more a month. I asked for a breakdown and the rep looked line by line and said we called, and no taxes increased those were the same. Then the agent advised of the increase the {$200.00} was for mortgage insurance and the other {$430.00} was for homeowners ' insurance. She said they did not have a declaration showing I had insurance and the analysis tool they use advised my insurance would be {$3500.00} a year. 

This loan is not even a year old. I would not have been able to close if I didn't have homeowners ' insurance which policy payment is required on an annual basis. I was advised they had no declaration page, but this service provider was able to verify no taxes changed but was not able to find a homeowners declaration page after purchasing the loan from XXXX mortgage and done no due diligence for this line item, so they increased my monthly based off of an in-house tool. And for them to include more mortgage insurance on top of what was already included in my payment terms & conditions is a billing error. 

This company is running a scheme on homeowners to get them to default or refinance on their mortgages. How many others has this occurred to. They have similar practices as such that has already been in federal litigation. Why does the federal government allow companies like this to continue to hurt consumers. They are taking additional monthly income from me and advising they are placing these funds in an escrow account and for what justifiable reason. A reason that does not include an in-house analysis tool. I don't think it is fair that the statements are also not line-item detail transparent. They just categorize the over payment as short/surplus which is subjective and open to the ability for a consumer to not be able to reconcile their mortgage. They are trying to steal consumer homes through billing errors and analysis tools that can be improperly programmed.
Consumer complaint received 2020-12-05
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: EQUIFAX, INC. (GA)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2023-03-28
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: Unifin Inc. (CA)

XXXX XXXX has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, XXXX XXXX  sold it to another collecting agency unifin inc who is now the owner of the account. Well, XXXX XXXX  is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from XXXX XXXX  that this debt is verified as mine and they did not respond within 30 days. Its been XXXX  months.
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (CA)

Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (OR)

I have had ( credit card ) charges denied three times in three weeks. Our bill is paid in full each month, so it is not due to our behavior. US Bank is becoming overprotective and seems to think everything is going to be a fraudulent charge. I have spent many minutes on the phone getting my card " unlocked '' when I have done nothing wrong! US Bank is clearly more interested in holding on to their money than they are in my being able to use my credit card consistently. 

Approximate dates of denial of charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They agreed to have text messages sent to me when this occurs so that I can quickly say " Yes, that is my charge, '' but today 's denied transaction gave me no such message. 

THE PROBLEM IS THAT THEIR IS NO INCENTIVE FOR US BANK TO CHANGE THEIR BEHAVIOR. I can be penalized for MY mistakes, but they are not being penalized for theirs.