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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

Experian couldnt verify a late payment on my XXXX XXXX XXXX account. I have attached a letter from XXXX stating the late payment is wrong and should be removed from my account with them but Experian hasnt complied.
Consumer complaint received 2021-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

My home has a forced placed insurance policy on it, which I have told the lender I would like to keep as it is cheaper than what I have been quoted from other companies ( house was built in 1930 ) XX/XX/XXXX : Penfed made insurance payment of {$1800.00} from my escrow account. Not long after, I received my insurance policy documents in the mail. 

XX/XX/XXXX : My escrow was credited {$1500.00} with the description of " homeowners insurance refund ''. I did not receive notice that they were canceling my homeowners insurance. 

XX/XX/XXXX I called Penfed upon noticing the refund and my escrow balance that was now {$3400.00}. I asked why my escrow balance was so high when it should only be 2 months of payments ( my escrow only pays for insurance, not taxes ). I was told they would do an escrow analysis on XX/XX/XXXX. 

XX/XX/XXXX I called Penfed again to check on the insurance issue and was told that an escrow analysis could not be done until the insurance issue has been resolved. I was told that they would open a ticket for it and it would take about 5 days. 

XX/XX/XXXX I called Penfed for an update on the status of the insurance ticket and was told that it had not been completed, also that they had requested an escrow analysis that would occur sooner than XX/XX/XXXX but it will not be done due to insurance issue. 

I have called several times since these dates and each time I am told there are no updates. They will not do an escrow analysis, and they will not resolve the insurance issue. I have communicated that I would like to continue with the lender placed insurance, but they will not tell me why it was canceled other than that they " switched computer systems '' and it was supposed to cancel to transfer over to the " new system ''. I have asked for a call from a manager, nobody has contacted me.
Consumer complaint received 2019-03-19
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. (MS)

I submitted a dispute letter requesting validation, accuracy or deletion of accounts that are deemed to be reporting unlawfully to XXXX on XX/XX/2019. I also sent a dispute letter for them to remove any incorrect personal identifiers that are not and should not be associated with me such as physical address, name, phone number, etc. My credit report still reflects inaccurate information. The personal identifiers that I consider to be fraudulent were not removed by the Credit Reporting Agency XXXX. Also I receive an letter in the mail on XX/XX/2019 regarding a investigation that I requested in regards to accounts that are not reporting correctly in accordance to the FCRA and in the letter address to me XXXX  did not provide any documentation nor evidence regarding the accuracy of the accounts which is what I requested in the Compliance letter that was sent out to them on XX/XX/2019. They are also not willing, according to the letter to re-investigate, however they did not do a proper investigation after my first request. According to the FCRA I have a right to aks for a thorough investigation into items on my credit report and those items should be verified for accuracy or deleted. I have outlined the errors that are reporting on these accounts that are not within FCRA guidelines and yet XXXX  refuses to investigate. I am requesting deletion of said accounts due to XXXX  unlawful act to investigate and neglecting of my request for a through investigation according to my consumer rights outlined by the FCRA. As stated no paperwork was submitted to me to verify the validity of the accounts nor the accuracy. These items are detrimental to my credit profile and my ability to obtain credit.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.
Consumer complaint received 2022-04-06
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. (NC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX child support XXXX XXXXXXXX XXXX XXXXXXXX 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 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Our loan was transfer from XXXX XXXX XXXX to Specialized Loan Servicing.  We made the XXXX payment to XXXX, but SLS send us a default notification and told us they were proceeding with foreclosure. My wife and I tried to call them on the phone and only once was my wife able to talk to someone and they refused to talk to her because my name was on the loan but she never had a problem with XXXX. We never received a normal loan statement from them in XXXX or XXXX, and we just received late payment and default notices. We have proof our payment in XXXX cleared to XXXX, but SLS says we haven't made a payment since XXXX. Every phone number SLS publishes on their website to call to talk to a person only leads to an automated system with no live person options unless you select the 3rd Party option which we are not 3rd Parties. They now want to foreclose on us before we have even made one payment to them. Our mortgage is {$420.00} per month and they want to charge almost {$600.00} in late fees and we can't even talk to them. Now they are starting foreclosure procedures even though we are only one payment behind because my wife didn't send the payment because she couldn't talk to them about the first payment that she sent to XXXX that they say they never received.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

I was told the vehicle that I had technical problems that cause me an accident and which the vehicle should have been totaled. I was charged exorbitant an extremely high interest rates and taken advantage of as a XXXX XXXX  veteran who has had multiple XXXX XXXX  Chrysler Capital Santander I took total advantage of my situation and my lack of knowledge based on the multi-state class action lawsuit to which they repossessed my vehicle these things will pointed out in the class action lawsuit of lightning happen and my situation and they will not remove it from my credit report after contacting them disputing this with the Credit Agencies
Consumer complaint received 2022-04-06
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: Roadrunner Account Services, LLC (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
Consumer complaint received 2022-04-07
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: R & B Corporation of Virginia (CA)

XXXX XXXX ; 1. I moved from XXXXXXXX XXXX to XXXX XXXX  I had two accounts and one had a credit balance. XXXX would not locate the Credit Balance ; after numerous complaints and service issues. I refused to pay until they located my credit account, which I had given to them. They turned the account over for COLLECTION. 

2. After more than 20 times over a XXXX year period attempting to resolve the issue with the collection agency and XXXX I was finally able to speak with the XXXX XXXX XXXX in their business division after I moved again. They ( XXXX ) finally found the OUTSTANDING CREDIT BALANCE. The matter was immediately credited and paid off. 
and I paid off. XXXX did not apply credits due for non service and lost business from XXXX XXXX. They told me the would clear the matter with the Collection company. This has never happened. I spoke with the collection company and they said I should take it up with XXXX. 

3. I filed a DISPUTE with the Credit Reporting companies. Nothing has been done. It remains on my Credit Report.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately.
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

experian has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days... 

DELETE ALL THE FOLLOWING ITEMS I have never had a " XXXX XXXX '' card XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

I setup a venmo account to use to deposit into my XXXX account on XX/XX/2023. A few days later after winning money on XXXX, I had requested to get my winnings through venmo. I went to redeposit on another sportsbook with those winnings and then all of a sudden my account was locked. They said for verification purposes please submit your ID etc. I did that and then they said after further review they are closing my account and they are going to hold my funds for up to 180 days for charge back reasons. I have {$8500.00} in that account that they are going to hold for over 6 months. I dont care about the account at all I just want my money which belongs to me.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

When I use XXXX, Citizens Bank Credit Card treats the charge as a cash advance and charges me {$10.00} plus interest for each transaction. XXXX says it's Citizens fault and Citizens says it's XXXX. I get nowhere with either company.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (NC)

I originally had a CareCredit Acct opened for {$4000.00} which I had been making monthly payments too-never not paid. This past summer I got a phone call/letter in the mail saying that I was being kicked off of CareCredit and into an Attorneys hands. I was NEVER notified or warned as to why. I have been making payments everymonth ON TIME ever since and have tried to dispute all of this because it has affected my credit score significantly. I have recently tried to dispute this with the company and I have noticed that my credit score has gone down AGAIN and keeps going down. They're saying because my account is in charge-off which I never agreed for it to be because I was never even aware of what was happening. Im trying to FIX the problem and make my pants even earlier and on time and Im still noticing my credit score is decreasing!! This is not right. I have XXXX left and I am being told that my credit score will keep decreasing if that payment is not paid in full right away?! This is not right! I am a person that pays everything on time and checks to make sure everything is correct always because I care about my credit and score and this is very frustrating!!
Consumer complaint received 2022-10-11
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. (PA)

Transunion is in violation of the following laws Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S. Code 1681 C-1 Section 605 B 15 U.S. Code 1681 C-2 The below accounts are showing on my report and should be removed ASAP, XXXX XXXX for {$13000.00} XXXX XXXX  for {$1400.00} XXXX XXXX for {$2200.00}
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (GA)

Dear SANTANDER CONSUMER USA INC I, the consumer and natural person, was denied credit by SANTANDER CONSUMER USA INC when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by SANTANDER CONSUMER USA INC due to the response I received. SANTANDER CONSUMER USA INC is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SANTANDER CONSUMER USA INC . If SANTANDER CONSUMER USA INC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SANTANDER CONSUMER USA INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-28
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. (NC)

In a accordance with the fair credit reporting act XXXX XXXX # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Capital One for committing tax fraud. In XXXX of XXXX capital one reported to XXXX, XXXX and XXXX that my account with them was sent into a charged off status. Not only did they send the sheriff to my residence to coerce me into making a payment which I am sure is a violation of 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud, they never sent the 1099-C form which is required by the IRS on charged off debts. I am requesting a copy of the XXXX that should have been sent by XX/XX/XXXX and if no such 1099-C exist, this company is either committing tax fraud or furnishing false and deceptive information to the credit bureaus. The 1099-C should also contain the account number. According to 7 CFR 1956.54, a chargeoff is the writing off of a debt and termination of collection activity without release of personal liability. Capital one still pursued collection activity by sending the sheriff to my door to threaten me and coerce me into making the payment and continued to report the inaccurate information to the credit bureaus without providing me with a 1099-C. If they claim to have sent it, I will need proof meaning a certified mail return receipt with my wet ink signature and tracking number to validate that claim
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TN)

Received an email fon XX/XX/2022 rom Best Buy stating " As requested '' we are sending you a new credit card. SInce I never requested a new card I was concerned and had to contact customer service to verify that there was not fraudulent activity on this account. The customer service person confirmed that they were in fact sending on a new card. ( still not sure why? ) Regardless that whole interaction was a waste of time since if they had disclosed this in the email that a new card was being sent ( and a reason? ) I wouldn't have been concerned and called customer service. Clearly in this day and age even the suggestion of irreguar activity on a credit card is a red flag and should never have happened.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

I opened my credit report and saw a recent entry for a collections. I called the collections company to enquire about the collections, and I stated that I have not had XXXX  before. The agency had no information about me except my first and last name.-Nothing else. 
The person told me that the account was closed in 2021. 
I never recieved any information, either by mail or call that informed me of the debt. 
The company name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-09-29
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.