davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX  ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-12-02
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (TX)

Received an annual credit report for myself and my husband from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (NJ)

Diversified Adjustment placed a derogatory account on my accounts with the credit bureaus. I made a complaint to the Consumer Finance Protection Bureau. On XXXX Diversified Adjustment answered the complaint # XXXX and denied responsibility for the account. Subsequently, on XXXX they verified to XXXX that account was accurate ... Diversified Adjustment lied to the XXXX and XXXX
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC (SC)

Between XXXX, 2020 up to the present time, I have been making deposits between {$25.00} and {$100.00}, at least bi-weekly to a JPay account in the State of Florida XXXX XXXX XXXX System. According to Customer Service Representatives of JPay, whom I have spoken to on the phone, I am told that once I make that transfer, then the funds are not mine any longer and they now belong to the account of the XXXX that I have made the deposit to. This part is understood by me. However I am objecting to the fact that I can't access that account to check on the balance remaining in this account. The only acces that is given to me is a list of the transactions that I have made. As I am the XXXX  of this XXXX, and I'm sure that most parents and family members who make deposits, also would feel that we should know what the balances are. We have to wait for our loved one to actually tell us that there is no money left in their accounts before we feel comfortable about adding more funds. We are also charged {$11.00} as a service charge to deposit {$100.00} into an account. There are also deductions for JPay that are deducted from purchases made by the inmate and a weekly service charge to maintain the account. JPay LLC is licensed by the Georgia Dept of Banking and Finance, their ID is NMLS # XXXX. We as the depositors of these funds feel that we have the right to know at anytime that we choose to know what the balance is in our loved ones accounts. We know the balances of our phone accounts. That is how we know when to refill our XXXX  phone accounts. We know our stamp balance account. That is how we know to buy more stamps so we can continue to email our loved ones. Why can we not know the cash balances in their accounts? This is not, and does not sound right to me and many others.
Consumer complaint received 2020-12-02
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CO)

Hi, so this all began on XX/XX/2021, at XXXX am there was a charge for {$370.00} from a company claiming to be my insurance company. However my insurance company received their payment on XX/XX/2021 and only document taking one payment. I can tell it was a different company because the lettering was off from the actual company. I had filed for a transaction dispute on XX/XX/2021. After Contacting the company various times to follow up the dispute and help the case with any info I had or to even talk to a case manager. I was left blind for the process when I have obvious proof that its an unauthorized charge. I submitted pictures to them on their app but they appear to have not have used them to investigate the unauthorized charge at all. About 2 weeks later as this bank has a 10 business day policy regarding claims, the case was closed and I wasnt refunded the money that wasnt even authorized to leave the account in the first place.
Consumer complaint received 2020-10-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC (PA)

I have made all my XXXX leasing Payments for a total of XXXX. On a car that original price was XXXX. I have over the course of 6 years put almost another XXXX in repairs into the XXXX. XXXX. At this time I feel as though I should not owe anything further. The reason I feel this way is one I was employed with this company for almost XXXX yrs In the XXXX yr period we did not charge for mileage or damage on any leased cars until late XXXX early XXXX. The reason they started charging as the company was in financial hardship due to the down turn of XXXX commercial Leasing. I feel that it is not fair to decided to change what has always been done due to financial hardship. I am asking that all fees be waved due to the nature of never charging for mileage or damage until XXXX. If the are not willing to wave the fees.
Consumer complaint received 2020-07-06
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)

I am requesting for Equifax to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to XXXX XXXX XXXX in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because Equifax refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by Equifax. Please block and remove these fraudulent accounts within four days : 1.XXXX XXXX / XXXX XXXX XXXX XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX XXXX XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX Balance : {$1400.00} 4.  XXXX XXXX XXXX XXXX Balance : {$8600.00} 5.  XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from Bank of America on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by Bank of America and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with Bank of America as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. Bank of America still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

PNC Bank advised me on XX/XX/2020 that they suspected {$2500.00} had been withdrawn from my checking account in Maryland by a man using false ID on XX/XX/2020. I live in Florida and confirmed their suspicions were correct. I have been unable to have these stolen funds returned to me even though PNC has confirmed the identify of the thief to not be me via the false ID used. PNC now said it can take 30 days, contradicting your website which indicates 10 days.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent my first letter to the credit bureaus- XXXX, XXXX and Transunion reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I wrote a dispute letter to Trident Asset Management to the address reported on my credit report. They have not responded. They have verified the information to the credit bureaus. I thought I was entitled to information? Isn't the FDCPA clear in that regard? Can you please help me?
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX was contacted by me to find out their charges for credit card terminal services. They have collected information from me, HAVE NEVER sent me any terminal, have never provided ANY service to me, and WITHOUT MY PERMISSION OR AUTHORIZATION HAVE WITHDRAWN MONEY FROM MY BUSINESS ANK ACCOUNT. 
My investigation with my bank has revealed this : XXXX XXXX XXXX, XXXX # XXXX, has withdrawn from my bank account {$300.00} for equipment purchases, re-programming fees, gateway fees, virtual terminal transaction, website design, logo design and shipping. 
HOWEVER, I have NEVER signed a contract with them - i had merely filled a form requesting their services, AND ONCE I HAVE FOUND THEIR CHARGES I HAVE IMMEDIATELY NOTIFIED THEM THAT I DO NOT WANT THEIR SERVICES I have NEVER received from them ANY equipment, terminal or services. 
I have never given them ANY permission to withdraw money directly from my account. Rather, if anything, as the potential FUTURE credit card terminal service company I was considering using - I provided on their service application form the details of my bank account in order for them to DEPOSIT collections directly there. I HAVE NEVER AUTHORIZED THEIR PRESENTING TO MY BANK AN ACH AUTHORIZATION before a contract could be signed between us They have never shipped to me ANY product. Their billing me for shipping : {$48.00} is an illegal charge based on FRAUD
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (CA)

The mortgage servicer, Servicemac, who is sub-servicing my loan on behalf of Guaranteed Rate, double paid my property taxes that were due by XXXX ( despite my numerous calls to them, explaining and proving that all taxes due by XXXX have already been paid ). Now due to the duplicated payment of property taxes which was the servicer 's fault, they are stating that I have escrow shortage and want to increase my monthly payment by {$700.00}, while my escrow account should have never had escrow shortage. They have mismanaged the funds in my escrow account, and are creating a big payment shock to me which is putting me at risk of defaulting on the mortgage. 

Additionally, they have not been paying me the required 2 % interest on the escrow balance as it's required by CFPB and state of California. I asked them about it, and they said that they don't pay any interest on the escrow balance. This is another violation. 

Lastly, I requested my escrow account to be removed due to their mismanagement of my funds and not paying the required interest. At first, they approved it, but then they rejected the request due to their duplicated property tax payment and the escrow shortage that they created.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance. 

I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NE)

I had issues with paying on the cards Cards are dealt by the same person same address out of XXXX Georgia they kept saying that the payments were not going through but they were going to on my side through my bank and through my debit card that I was using then they used the excuse that because the credit was over the limit by {$1.00} or more they decided to close my account they keep charging monthly payments to my account In the amount of over {$50.00} a month I contacted them on more than one occasion to get this corrected and they never did anything that kept saying that it was never going through and the day before I was actually gon na make a payment to both of them they decided to close them on their own their own I had to find out through my credit report on XXXX XXXX  so my advice to anybody do not yet Forteva Or aspire credit cards. They will say that they will work with you but then they won't they'll just close your card and keep charging you in 2 months 3 months that it's been close on one card they have charged up over {$400.00} the other 1 is almost 600 II refuse to pay them because because the fact that I tried paying them when they were open And they kept denying the payment
Consumer complaint received 2021-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss because of COVID-19 pandemic. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.