davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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. (IL)

In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2021 I submitted my monthly car loan payment, due on XX/XX/XXXX. Several days later, I realized that the money had not left my account. I logged into my account and noted that my XX/XX/21 payment had been reversed and I was charged a {$50.00} fee. I never received email notice of this. I chatted with an online representative who informed me that the account number I had entered was missing a number and that the fee could not be removed until I my payment was posted. That day, XX/XX/2021, I submitted payment in full minus the late fee. The following Monday, I logged on to see if the payment had posted and it had. I chatted with another representative who informed me that this was not a late fee, but an annual fee. A few days later I received notification in the mail that I had been charged a {$50.00} fee for " return payment fee. '' The notice notes that " a payment posted to your account has been returned by your bank '' On XX/XX/XXXX, I called Truist Bank and the representative told me that the fee could not be reversed because my payment had been returned. This is inaccurate. I inadvertently entered the wrong account number therefore, no payment was returned by my bank as the account number was incorrect - there was no bank tied to the account number entered. I should not have to pay a {$50.00} fee for a payment that was ( 1 ) not returned by a bank and ( 2 ) was paid well in advance of the due date.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America in beginning or mid XX/XX/XXXX to pay off my debt. They promised me that they will clear the debt and the negative remark on my credit report after the debt has been paid but to this date XX/XX/XXXX, which is almost a year later, and the negative remark still on my credit report even though the debt has been paid off! 

Please investigate and help me with this!
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, Experian, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( MyFICO ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX, XXXX and Experian all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (IL)

HIRE RIGHT XXXX, is allowing inaccurate, erroneous and false information to be reported about me and my employment history, on its platform, particularly from XXXX XXXX XXXX. I reached out to HIRE RIGHT XXXX multiple times to correct the information, but it refuses to thoroughly investigate the matter, and correct the inaccurate, erroneous, false, and detrimental information it has on my employment / consumer report. Falsehoods about me, my ethics, reputation, employment history, etc. are on my consumer report, and this information is damaging to me as a professional, XXXX XXXX XXXX XXXX. 

I was employed by XXXX XXXX XXXX years ago and was wrongfully and abruptly terminated. When I filed for unemployment, XXXX appealed it. During our court hearing, XXXX, literally, told the Honorable Judge the same falsehoods it told HIRE RIGHT. However, the XXXX asked for XXXX to submit proof that all their claims were true. XXXX, literally, couldn't provide the proof for any of its claims because they weren't true. The Judge ruled and said that " ... the employee may have been terminated, but it wasn't for the reasons stated ... '' HIRE RIGHT XXXX is refusing to correct the information in its database, properly and thoroughly investigate the matter, or uphold Federal Law as a Furnisher. HIRE RIGHT claimed that XXXX XXXX verified these falsehoods with " proof, '' but is refusing to provide this " proof '' to me, including, but not limited to, emails, records, etc., HIRE RIGHT isn't upholding Federal Law regarding its reporting on my consumer / employment report ( s ).
Consumer complaint received 2021-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

Here are the inquires that are my credit profile that I didn't authorize XXXX XXXX XXXX - XX/XX/2021 Capital One - XX/XX/2021 XXXX - XX/XX/2021 XXXX Premier - XXXX XXXX Capital One - XX/XX/2021 XXXX
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello. 
My complaint is against USAA Federal Savings Bank. Here is the timeline of what happened. 
XX/XX/XXXX. 
I deposited {$1300.00} by draw from work to USAA VIA on Line App. 
XX/XX/XXXX. 
My truck is broken into. Wallet is stolen with debit card and documents. Break in and fraudulent debit card activity was been reported to USAA. Debit transaction reversed. USAA i also my insurance company and they paid property claim. 
XX/XX/XXXX. 
I receive a call from XXXX, CA XXXX. Detective XXXX had arrested a man with my ID over the weekend. I gave them permission to press charges and shared XXXX PD report number with them. 
XX/XX/XXXX USAA Reverses my initial deposit and debits my account {$1300.00} because of fraudulent activity that had already been reported. I report all information to USSA and they ay they will resolve in 10 days. 
XX/XX/XXXX USAA reports that they find no fraud and I need to go after the criminal, even though they have police reports. I explain that I do not understand how my account deposit is not protected. They tate that electronic deposit are not FDIC insured and it not there responsibility to protect and help with personal fraud.
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: New Century Auto Sales, Inc. (MI)

In XX/XX/2021 I purchased a vehicle from RightWay in XXXX Michigan, I traded in my Jeep, they offered XXXX towards the purchase of the new used vehicle. On day 3 I went to RightWay and told them there are some serious issues, the car shook going 35 or higher, when when trying drive from a stop or trying to pass the car may or may not go and the RPMs will rev, so you turn or pass at your own risk, when the car does engage it will lurch forward. The RPMs rev at random times while driving. The right front tire wobbled. RightWay agreed to pay for everything wrong with the vehicle for which I was satisfied. Then I discovered the vehicle had been in an accident and from the 2 days of driving the front bumper was separating from the frame and a crack in the bumper became visible. They werent going to replace the bumper so I said I want to return the vehicle, they said to bring it in and they will give a full refund. They said the transaction would be reversed as if it never happened. So I brought it in, they started the paperwork, they said since they paid my loan off XXXX of course would have to get another loan for what I originally owed on my Jeep before all this happened which was XXXX dollars, so okay no problem. My mistake I signed all the paperwork to repurchase my XXXX without reading what I was signing. I was told my payment is going to be the same as it was before XXXX $ a month, they sold me an extended warranty for 4 more dollars XXXX $ a month. I was told my loan was through XXXX XXXX and XXXX be getting the paperwork in the mail. What I got in the mail was 2 letters from XXXX XXXX saying thank you for your interest in a loan and showed my credit score with an explanation of how to improve it, so I dont even know if the loan went through, I received 3 of these. I then received the application for Michigan title and registration which XXXX XXXX is listed as First Secured Interest, under that the purchase price of vehicle XXXX. I was flabbergasted, this transaction never happened yet they are charging me XXXX dollars to buy my XXXX back when I only owe XXXX. They never sold me the car, I never traded in my XXXX, yet they are charging me XXXX more. This is not right, and now I dont know if the loan went through so can they technically repo my own XXXX? This is wrong on so many levels and I dont know what to do. I just want to pay what I owed on the XXXX. Im a veteran, Im on XXXX, I dont have the money to get a lawyer for this, Im just sick about this. I dont know how I got in this mess I dont understand, I cant lose my only form of transportation, I would appreciate any help at all. Thank you so much.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2022-08-15
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 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2023-06-23
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)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MO)

In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. Comenity bank was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX  XXXX XXXX, but I longer have an account with them. I reached out to XXXX  XXXX XXXX, and they said they no longer had my account statements saved. I logged onto XXXX  XXXX  to check my credit score, and I see I have a derogatory mark on my credit. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In XXXX XXXX, I discovered a negative report ( a late mortgage payment, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ) on my Experian Credit Card report, which is incorrect. 

I have made all regular monthly mortgage payments to XXXX XXXX XXXX, on time and in full. According to the servicer, they did not initiate or submit the late payment notification that appears on my credit report. Additionally, XXXX verbally acknowledged over the phone that no late payment appears on my mortgage account ; however, XXXX was unable to explain how or why the late payment to them appears on my credit report. And I was advised to submit a written request to the XXXX XXXX XXXX to obtain an answer. 

I submitted a written letter via fax to the XXXX XXXX XXXX  on XXXX XXXX, XXXX. I also initiated a dispute with Experian on XX/XX/XXXX. However, to date I still have not received a response or a resolution of this matter from XXXX XXXX XXXX XXXX XXXX or from Experian. 

In the interim, my credit score dropped 131 points as a result of the late mortgage payment on my credit report.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello my name is XXXX XXXX XXXX. And I have a balance of {$460.00} in Debt. The fraud Happen when I was XXXX. Im now XXXX and cant get into my low income apartment because of this identity theft. I am a single mother of a XXXX old boy. Ive lost my information when I was XXXX moving around to find shelter. I had a hard life. So now that I can finally have a place to call my own home, I cant get into my apartment because of this. The Agency for the apartment looked into my credit and found this balance and denied me but they are willing to give me a second chance to fix this problem. Can someone please get this off of my credit report so that they can redo my credit report check so me and my son can move into our new home. My number is XXXX Please contact me for any other information or questions please and thank you.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

I live in XXXX and have continued issues with being able to us my card internationally. They have blocked my card on my pay date atleast XXXX times because they say they have to identify me. It takes days and weeks for them to let me access my card. They give the same excuses over and over again ... saying the card wasnt " XXXX listed '' or set for " international use '', or information was done incorrectly. My situation now is that I lost my card and they will still not unblock my card for 19 days. The first 10 days, they would say it would be XXXX hours, using the excuses I said above. Then 4 supervisors each, said that the information was input incorrectly. Now, I have a new deposit as of XX/XX/2022 and I haven't been able to get through for 4 days. You just get a message, saying they are experiencing a high number of calls and to call back later. I am scared, terrified and suicidal here in XXXX and I cant get any further help from the US and my cat might die because I dont have money to take her to the hospital. Please, please allow me to use my card... I am begging you. I have never had fraud on my account. Please!!!!!!!!!!!!!!!!! 
Note : I am in XXXX XXXX, XXXX and it did not allow me to put in info correctly. 
XXXX Va XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XXXX XXXX XXXX that added up to approx. XXXX. At the time, when I noticed it, 8 months had passed. After being with Bank America for 20 years with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity. Also with my card not being present! On top of everything else, my other XXXX credit cards were canceled as well and took away all of my accumulated points!! Along with destroying my credit!! I would hate to say that this is a case of discrimination, but it appears that it is! After numerous attempts have resulted in numerous declines and unacceptable reasonings. I feel discriminated against!! They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused ) in acknowledging the documents were received. To be an XXXX American, XXXX XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating and an defaming scar on my life for the last year and a half. 
I feel I am due restitution financially and my credit restored!!
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

1.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 9 different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 3 different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 8 different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 6 different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX on XXXX XXXX to 5 different credit company which i did not know about.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

Ocwen changed names in XXXX to PHH and XXXX XXXX. Stopped accepting payments. Paid 2 different law firms to get assistance for this company to apply payments instead of send payments to suspense account or foreclosure attorney. 

Applied for COVID assistance through state of MN XX/XX/XXXX with the help of a MN HUD agency. XXXX XXXX has again held payments in suspense account, and threatened foreclosure. XXXX XXXX has Failed to accommodate the Covid Relief Program for homeowners, and failed to apply payments. 

Have been locked out of online access to account since XXXX of XXXX.