davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (VA)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A 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 2020-11-26
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: EQUIFAX, INC. (FL)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (PA)

Please find attached all the documents I have originally filed with under XXXX XXXX XXXX, who now operates as XXXX XXXX XXXX. On page 5 on the XX/XX/XXXX file attached shows the accounts I listed at the beginning with XXXX XXXX XXXX. File XXXX ( 1 ) I have attached the statement I sent them sometime after XX/XX/XXXX XXXX XXXX XXXX is claiming the account that was not listed in the beginning of the program and then they called it Barclays after that and thought they were settling with Barclays with XX/XX/XXXX ( debt collector ) but it was a XXXX card account ending in XXXX and not Barclay 's account ending in XXXX. And then this XXXX account was paid off instead on XX/XX/XXXX when this account was not at the beginning of the contract. They told me to send all collections letters from all accounts to them which I did. All these documents should be available for my review by XXXX XXXX XXXX. I have also made several attempts in the last few months to get this resolved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any results or assistance. Also, please find the attached dispute results fromXX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (AR)

To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX days for this information to be sent to me. Experian will NOT send me actual proof of how they are verifying these items. They are just updating. I am prepared to take this to court as well! If my results are not satisfactory maybe then they will supply the actual information that I have diligently requested! 
I have removed the account numbers as requested by you all at this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-11-25
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: BARCLAYS BANK DELAWARE (MN)

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-25
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. (NJ)

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as Experian reports a date opened of XX/XX/XXXX ; XX/XX/XXXXdoes report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXX dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas Experian reports the number of months to be 249 ; XX/XX/XXXX reports nothing. 

XX/XX/XXXX reports the date last active to be XX/XX/XXXX whereas Experian reports the date last active to be XX/XX/XXXX ; XX/XX/XXXXreports nothing. 

Experian Reports that this account was 30 days late whereas XX/XX/XXXX and XX/XX/XXXX reports nothing. 

Experian Reports that this account was 60 days late whereas XX/XX/XXXXand XX/XX/XXXXreports nothing. 

Experian Reports that this account was 90 days late whereas XX/XX/XXXX andXX/XX/XXXX reports nothing. 

Experian Reports that this account was charged off ( CO ) whereas XX/XX/XXXX and XX/XX/XXXX reports nothing.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a Chex Systems history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SIMMONS FIRST NATIONAL CORPORATION (OK)

On XX/XX/1922 I went to the ATM at Simmons Bank located at XXXX XXXX XXXX  XXXX, XXXX, OK around XXXX due to the bank wasn't open yet. I attempted to withdraw {$500.00}, but the screen displayed a message that said : '' this function is unavailable at this time. '' The ATM didn't give me a print out stating this occurrence. I thought the ATM was out of money, so I drove to the other Simmons bank located at XXXX XXXX XXXX XXXX, XXXX and I attempted to withdraw {$500.00} and the ATM screen displayed the same message. The ATM didn't print out a paper slip this time either. The attempted withdraws were made approximately 15 minutes apart. I don't use the online banking with Simmons, so when I received the XXXX statement in the mail I discovered two {$500.00} amounts had been taken out of our checking account on XX/XX/22 for ATM withdraws. I called the Bank on XXXX  and they said they would open a dispute case, I also went in and talked to them and told them about what the ATM had displayed. I waited and they finally sent a letter stating the case had been closed and determination had been made that the money was dispersed and that there was no error found. I went in again after I received the letter and talked to Simmons bank at 3 different locations, the two mentioned above and one located in XXXX, OK. All three locations had a different reason for their decision. All lies. Treated me very disrespectful. We have a limit of {$600.00} daily and I asked how could we withdraw a {$1000.00} just to make a point, but nobody would believe me. I filed a complaint and mailed it to the Federal Reserve on XX/XX/1922 and got a response from them to contact CFPB about this. We have been trying to get our money back all this time. So a couple of weeks ago or so I got an email from my bank about a survey and my wife filled it out and told on there what had happened, then another bank employee looked into it then my wife received a call later that they had video proof I took the money, so I went to the bank and looked at their fuzzy video and it was me in the video, but I was putting my card back in my wallet and putting it on the corner of my dash where I keep it while driving. The bank just doesn't believe what I'm saying so therefore a deep investigation isn't going to happen. We're told the ATM balanced, I can't explain that, but I just know I didn't take any money. I asked for proof right after I received a letter saying the dispute had been resolved, but they wouldn't provide anything until today, XX/XX/22.
Consumer complaint received 2022-05-01
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions
Consumer complaint received 2019-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I contacted Capital One to send my lien release for the loan I paid off. Capital One instead sent me a lien release of a prior " re-financed '' loan which indicated that the lien was released to a different company ( which it was at the time ). However, I ultimately refinanced the same loan with capital one again and then paid it off. 

I need the final payoff title and lien release for the second loan I've had with capital one. 

When I called capital one autofinance and went through the prompts - the prompt indicated they could not take my call right now and hung up on me. 

I need the FINAL payout lien release and title sent to my attention as soon as possible.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (TX)

I recently filed a complaint on XXXX XXXX XXXX and a third party company by the name of XXXX XXXX solutions. XXXX XXXX XXXX says that I owe money for a month I did not have service with them. I canceled my service with XXXX XXXX XXXX XX/XX/2019 and returned my equipment due to the service not properly working. A Technician came out twice and was unable to fix the problem. After canceling my service in XX/XX/2019, XXXX XXXX XXXX attempted to go in my account in XX/XX/2019 without my authorization. XXXX XXXX XXXX reported to XXXX XXXX solutions that I owed XXXX. After my compliant XXXX asset solution removed the negative information for my credit report. XXXX XXXX XXXX have sold my information to another third party company by the name of Franklin Collection services , INC. stating I now owe XXXX. This company have been calling and harassing me after being told numerous of times I am not liable for the debt owed. I would like for this company to stop harassing me and threatening to report negative and inaccurate information to the credit bureaus.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MA)

I refinanced my mortgage with Loan depot in XX/XX/2020. It was great until the closing. My issues started when I started making payments in XXXX. I have had only 2 payments to make so far XXXX XXXX and XXXX XXXX ). The experience was horrendous. It was night and day. First time, when i made the payment to XXXX address. They started harassing me by calling me every other day with automated voice messages. When I called in XXXX, the waiting time was brutal.. They mentioned it could be because my account is moved to a a different servicing location that is in New Jersey. But she assured there will be some delay in posting that transaction. For XXXX payment, i made an update in XXXX reflecting NJ address. That payment was returned as well. I have had multiple calls in last 1-2 days and they put me on hold to research the issue and it gets dropped or i join the queue again. It is very frustrating that for just simple payments, I am spending countless # of hours to make sure they receive the payment and this does not ding my credit history, which is pristine ( no late payments in last 20 years ). Concerns : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account. Few observations : 1. Their servicing system to receive the payments sucks big time ... 2. Incompetent customer service people.. i will blame the management for not giving them proper training. 3. They have to get their act together in terms of providing one servicing location where they can receive the payments. 4. When customer service puts us on hold, it goes back to the queue or get disconnected after a certain time. I am very disappointed with the experience they have provided since the closing of the loan. they have lost my trust and will not recommend them. 


Desired Resolution : Billing Adjustment Desired Outcome : 1. Made a phone payment yesterday where they charged me a {$2.00} fee. I am requesting them first to remove the interest charges I have incurred since they returned the check around XX/XX/XXXX. Secondly, to waive the phone payment fee and any late fees or other fees they have charged to my account.
Consumer complaint received 2020-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Re : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SLS has lost, or deliberately refused to post a payment sent on XX/XX/2020. Without this payment posted, this account will push to 3 months late ( even with COVID-19 forbearance ) AND they threatened to push this account to foreclosure. Numerous messages, documentation, proof of payments and they refused to work with me. I asked to resolve this matter first before I send another payment to ensure that my payment would not be lost again, but they refused to acknowledge and want to proceed to foreclosure. 
Please help!
Consumer complaint received 2019-04-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JL Management LLC dba Advance Finance & Tax Service (GA)

I had a title loan with advance finance in XXXX ga. When i was unable to pay the payments they sought out a private individual not associated with me or my business with Advance Finance. Advance finance  then lied and claimed i had listed this individual as a credit reference. I have never used this person as a reference. Their claim is fraud. I feel my personal business was exposed with a fraudulent claim in an attempt recover a debt. I adressed these concerns to a man claiming to be the owner of advance finance who told me the federal law does not apply to him. He further claimed that there are state laws that supersede the federal fair debt collection act. I was amazed that a business owner would believe that federal debt collection laws do not apply to a title pawn business. This owner of advance finance then told me he had left a letter in XXXX georgia for me with a person he clained was my mother. I have no contact with my mother nor do i know her whereabouts. This letter supposedly contained personal information regarding my account. I do not have knowledge of any person associated with me currently residing in XXXX  georgia. I feel there have been multiple violations of the federal fair debt collection act commited by this compnay
Consumer complaint received 2020-11-25
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: TD BANK US HOLDING COMPANY (IL)

On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (AL)

I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days  late and made them as active on my credit reports.
Consumer complaint received 2022-12-04
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. (NC)

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and, Equifax and asked that they investigate the below accounts of the two late payments reported in XXXX. I do not recall ever being late. It doesn't make sense that I was current in XX/XX/XXXX and jumped to 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. This is impossible. 

Accounts in dispute : XXXX  XXXX-Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX  XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX
Consumer complaint received 2022-12-03
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 (TN)

In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Block, Inc. (CA)

There has been fraud or a baking issue with the app called Cash App Tuesday morning around XXXXXXXX XXXX. I made a transfer from my savings into my account of XXXX dollars following after I made a payment at XXXX at this current time. I had {$500.00} in my savings account. Around XXXX XXXX Tuesday morning I received a deposit of XXXX. Following that deposit, I made a transaction into my savings account of {$700.00}. At this time I noticed that my savings account didnt update or calculate my total finance adding up to which should be {$1200.00}. My account was never updated, so I removed the money that I added noticing that there was no change I took all the money out of my savings into my account to see if the current calculations were correct. At this moment, I noticed that they were not my account was only updated to XXXX. I reached out to the company. They repeatedly told me that they have no further information that they can not access it. The correct information to even help me the manager of the company and I only talk to you via email.