davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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. (WA)

Someone else 's name, address, and hard inquiry appeared on my Experian credit report. The reason is likely that someone having a similar name, having no SSN, and living in the same university housing I lived in many years ago tried to apply for credit. This is not the first time Experian mixed my credit report, and I never had similar issue with XXXX or XXXX. 

I contacted Experian for dispute. They recognized the issue of mixed credit profiles, and they removed the extra names and addresses, but they refused to remove the hard inquiry involved. Experian and the bank making the hard inquiry now both ask me to resolve with the other party. I can not solve this problem by my own, and I'm seeking legal actions. 

I believe Experian is at fault for combining credit reports with their problematic software system ( XXXX and XXXX didn't have any similar problem to me, no wonder that Experian 's poor software resulted in data leaks ). I previously told them not to combine my profile with another having no SSN or having another name, but they are still doing so. 

I believe the banks making hard inquiries are innocent since it is a standard practice to report credit applications without XXXX to credit bureaus, and that banks have no control ( or even any knowledge ) that Experian provided the wrong person 's credit report.
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (FL)

I am writing to dispute these accounts XXXX XXXX XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX XXXX XXXX XXXXXXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX XXXX XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 XXXX 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 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. 

They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. 

I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX  $ XXXX  are habitual liars. 

So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. 

I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. 

The worst part is that even after I have alerted them about this they are unwilling to fix it.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Over a month ago, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

Greetings My name is XXXX XXXX XXXX On or about XX/XX/2022 PNC Bank opened a business account under my sole signor For co name ; XXXX XXXX XXXX XXXX Acct XXXX There were multiple unauthorized charges to my account for a loan payment and or Line of credit/ credit card from my ex husbands delinquent loan accts which were Charged to my account some appear to be telephone ACH withdrawals In addition most recently i was charged for stop pmt fees and other unknown account fees I am unable to recover the unauthorized ACH debits due to PNC stating that over 60 days any bank stmt containing errors can not be recovered if I understand correctly. 

In addition there are withdrawals ACH unmarked providing no account to link them to Basically PNC bank has allowed this to continue. 

Because i do not have check images i am unable to view checks marked as XXXX Dates of unauthorized deductions include XX/XX/2022 unauthorized ACH Telephone Pmt to PNC There are unmarked checks as XXXX on XX/XX/22 for XXXX may be check i wrote XX/XX/22 XXXX - these may be checks i pd to contractors however i am unable to retrieve Check images XX/XX/22 Ch XXXX XXXX again i can not see check images may be a ck i pd but have no manner of seeing check images on my cell phone device XX/XX/22 XXXX for a check printing fee is excessive On dates XX/XX/22-XX/XX/2022 There were a total of 9 checks pd i am unable to view check images on my cell phone device checks paid from my acct total XXXX- I need to ensure these were checks That i paid to contractors or how i can determine the checks were written by me which May be the case but need copies of cancelled check images On XX/XX/2022- i was charged XXXX for check printing bank fees On XX/XX/22- was charged XXXX for an unauthorized ACH telephone pmt to PNC ON XX/XX/22 Was charged XXXX even though stmt says fee for mo maintenance is XXXX On XX/XX/22 i was charged XXXX an unauthorized ACH Telephone pmt to PNC In addition PNC charged me XXXX for the stop pmt fee even when it was an unauthorized ACH and two charges for XXXX not sure where these come from On XX/XX/22- was charged XXXX for bank service charges, again another inconsistent Bank charge On XX/XX/22- Another unauthorized unmarked ACH charge to my account from my XXXX XXXX XXXX XXXX checking acct with no marked account number but it Is an ACH debit with a ghost unmarked pending withdrawal. 

I need PNC Bank to cease charging me for my ex husbands delinquent debts This is causing stress as i need go in and they keep transferring me to recovery dept When i do not owe anything for XXXX XXXX XXXX XXXX accounts my ex husband XXXX XXXX was a smoke signor for previous XXXX XXXX XXXX XXXX business accts Please help me recover unauthorized ACH initiated from this account without my Consent. 

In addition PNC needs respond why they continue to do so. 

Please help me. 

Thanks in advance for your time and consideration XXXX XXXX XXXX XXXX Email XXXX XXXX
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (FL)

I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days
Consumer complaint received 2021-06-06
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: CITIBANK, N.A. (FL)

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX year olds who work in these call centers. They are all so XXXX  and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX, XXXX  and transunion. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Consumer complaint received 2021-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (FL)

After graduation, I contacted the discover student loan department to get on a payment plan and was manipulated to believe that as long as a made the minimum payment my principal loan amount and interest rate would not fluctuate and I would be safe from negative amortization. This apparently was not the case. My original XXXX student loan with XXXX % interest rate, resulted in my paying a total {$14000.00}. The total break down of that amount is as follows. Final principal interest paid is {$9100.00} and total interest paid is {$5600.00}. In return, trying to keep up with the accruing interest and principal while I was making their " minimum payment '' caused me to become financially unable to get on a payment plan with federal student loans. the result was the treasury department garnishing my 2018 tax return, in which, they took money from my child dependents which is against the law. I understand paying interest but the end result when I was making minimum payments allowed Discover student loans, over the course of 3 years to take advantage of my minimum payment situation. They did not look out for the borrower and then end result was an interest rate of XXXX %. In my opinion, this was malicious. I was forced to pay off the entire loan while my young family had to suffer from lack of money due to what had occurred. Even when I called back discover student loans on the phone the representative was shocked when he looked at my account.
Consumer complaint received 2021-06-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HYUNDAI CAPITAL AMERICA (NC)

On Sunday XX/XX/XXXX at around XXXX XXXX  XXXX XXXX from Kia Motor Finance called me the consumer/creditor per 15 USC 1692 ( a ) 3 1692 a ( 4 ) in an attempt to collect an alleged debt of {$630.00} for a XXXX XXXX XXXX Upon the initial phone call the agent was vague in her nature of the call and failed to immediately identify why she was calling and what she was calling in reference to. After informing the agent that I am the creditor per 15 USC 1692 ( a ) 4 and authorized representative for the account in question, XXXX XXXX became combative and irate telling me that what I was stating was not the case and that by " law '' she had every right to contact me and would continue to do so. This call was made to me as the consumer after XXXX XXXX located at XXXX XXXX XXXX, XXXX NC, XXXX received a notarized Notice of rescission per 15 USC 1635 along with a a certificate of service via Certified US Postal Mail number XXXX XXXX XXXX XXXX XXXX which was received by the seller XXXX  XXXX  on XX/XX/XXXX as evidenced by the tracking number. I am seeking damages from KIA MOTOR FINANCE for the following Consumer violations under Title 15 : 1692 c ( a ) ( 1 ) 1692 d 1692 d ( 2 ) 1692 d ( 6 ) 1692 e 1692 e ( 10 ) 1692 e ( 13 ) 1692 f 1692 f ( 1 ) 1692 g ( a ) ( 2 ) 1692 g ( a ) ( 3 ) 1692 g ( a ) ( 4 ) 1692 g ( a ) ( 5 ) 1692 g ( b )
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NV)

Cash app has been discriminating on my account they are denying claims when I make them and tell me they have no further information! They dont even investigate the dispute! I disputed a XXXX transaction and WON I have no account with XXXX and cash app has been proven it and refunded me and then we didnt catch it till I was doing my taxes well I reached out and they denied my claim with out investigating a few days later! They have been doing this with account for a long time they wont believe me and immediately refuse to accept claim and wont give me reason why what makes it very obvious is here we have a dispute I won against this merchant and I have offered merchant number emails and most importantly of all cash agreed with me about the XX/XX/XXXX transaction when I filed dispute but yet now denied XXXX transaction it makes no sense I have no open XXXX account! XXXX will verify I am not that account holder! I did not authorize any payment I have been in and out of hospital for last two years I have emails my email and personal information was compromised but again most importantly how can cash app deny the 2nd claim when first one was proven I did t do it and have no account with XXXX I feel like they didnt even bother to look for some reason they been discriminating against my account! I have asked them and told them its my right to know how and when they investigate it?! When its right there and I won XXXX dispute I have no account with XXXX NO ACCOUNT WITH THEM! And they know this cause I won XX/XX/XXXX dispute transaction!
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021 I submitted paperwork to agree to a deferral after I had previously participated in a Covid payment forebearance program. I submitted all forms and appropriate payment. This payment was withdrawn from my checking account at Bank of America on the XXXX but not applied to my mortgage. Currently my account shows a late fee for XXXX and no payments have been applied although the statement clearly shows Unnapplied funds for 2 payments timely made. 
I have made numerous calls to Bank of America Mortgage and each time I am reassured the account will update in a few days. NOTHING EVER GETS DONE. This has been going on for the entire month of XXXX and nobody, no matter how polite they reassure me something will get done, nothing gets credited. They certainly were able to get the money from my checking account however.
Consumer complaint received 2021-06-16
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. (IL)

TRANSUNION AND XXXX  ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling TRANSUNION and XXXX  to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.