davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&N Debt Solutions, LLC (CA)

There was no box to check for this debt settlement company. Having combined two credit cards my enrolled balance was {$22000.00} to pay off over 36 months back in XX/XX/2019. Usually these companies tell you that you will pay around 50-60 % of the balance. However, after the last card settled, in total I would be paying out {$21000.00} a whopping savings of 1.4 %. Based on their calculator on their website, they show bogus savings amounts. I asked them to lower my next 17 payments but they refused.
Consumer complaint received 2023-06-29
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. (TX)

I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.
Consumer complaint received 2020-06-26
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)

See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX  Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

Carrying approx {$8500.00} on CITI Visa due primarily to medical bills and COVID furlough. 
Bank is charging 15.24 % interest. Called bank to complain and get reduction in interest rate ; banks are awash in cash, feeding at taxpayer trough again, federal funds rate is 0 %, they are paying 1+ % on savings, their cost of goods ( i.e. money ) is peanuts ; 15+ % is usury. Bank 's response - you agreed to these terms when you accepted card .i.e. tough. 

Rate is unreasonable by any standard. They are getting away with " robbery ''!!
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.
Consumer complaint received 2020-06-26
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: National Credit Adjusters, LLC (MO)

Had a debt on my credit report that was removed and has now reappeared under new company ( National Credit Adjusters ) listing as an account that was opened in XXXX. THIS IS FALSE!!!! I did not open an account with them at all or in XXXX. Im in the middle of the mortgage loan process ( collection was added after process started ) and this incorrect information is ruining my credit score!!! Disputed this with the CRAs but NO response on resolution. This is account was not there when I applied for a mortgage loan on XX/XX/2020 so how was it opened in XX/XX/2020 but not reported by end of XXXX???? Reporting false data they is ILLEGAL!!!
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

My husband and I have applied for and been approved for a mortgage to purchase a manufactured home. Our lender is 21st Mortgage. Because I am XXXX, the lender has required that I provide copies of tax returns, profit and loss statements, and complete a form which allows them to request transcripts of the returns from the IRS. They have been able to acquire all of the transcripts of tax returns except for one ( 2018 ). Because of the global COVID-19 pandemic, the IRS is closed and this transcript is not going to be available for the foreseeable future. We were approved for the loan on XX/XX/XXXX and cleared all of the conditions by the first week of XXXX, meaning that documents were submitted. The hold-up has been one transcript from the IRS. 

When it was clear this transcript was going to be unavailable, I reached out to 21st Mortgage and offered my own sales reports as well as reports generated by XXXX which would verify my sales for 2018 and thus support the income I reported on my tax return. They have been unwilling to accept this documentation, saying that they require these transcripts for XXXX persons and can not make an exception. 

However, I spoke with XXXX XXXX, Finance Manager at XXXX  XXXX XXXX ( XXXX, CA ), where we are purchasing our home, and she informed me that the lender had made an exception for another borrower who was also waiting for a transcript, " But they have a credit score of XXXX '' she told me. 

While our credit scores are not high, my husband and I own the lot ( free and clear ) at XXXX XXXX where this home will be placed. We also have {$42000.00} as a down payment which is 35 % of the {$110000.00} total cost of the home. We have demonstrated that we can make the payments of {$890.00} which is {$410.00} LESS than our current monthly rent. 
As I read the Federal Reserve 's Fair Lending Regulations and Statutes, it appears to me that it is not allowable to extend an exception for COVID-19 to one borrower and not to others. The regulations protect consumers against disparate treatment. Furthermore, every American is suffering from the COVID-19 pandemic. If not for that circumstance, this loan would have been completed, and we would be living in our home. Credit score has zero bearing on this matter and to use that to deny us an exception granted to other borrowers is not equatable treatment. Please investigate this matter.
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TN)

When I originally got the loan with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person helping me forged ahead like everything was normal and expected so I went along with it. 
Later I decided to borrow more money and also said I want to remove whatever extra things are on my loan. However when it was time to sign the person helping me told me the monthly cost included the 3 add-ons I had already on my account. Again I was confused by this, but I felt pushed not to make the process even more complicated and went along with it. 
The most recent time I have asked about possible loan increase I specifically stated at the beginning of the call I wanted to remove any and all extras tacked onto my account. I said it multiple times to 2 different people. Now I am no longer eligible for increases.

A side note to this complaint : there is zero visibility in my online accounts whatsoever as to what all I'm paying for in my bill. I can not view any specifics for my account on any insurances or add-ons or even what percent of the payment goes towards interest.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (IL)

I was sent money on Zelle. I went to update my debit card and the ap showed error. I was not able to refund the money or transfer or send the money ; it showed an error. I tried to transfer the money to a new Zelle account with the same number and email after speaking to banker who spoke to Zelle representatives and my own Zelle representatives and the funds were said to have been deposited. I checked all my banking institutions and texts and banking statements and no funds have been deposited to any of my accounts. I started a new bank account that is affiliated with Zelle solely to rectify this issue and they refuse to refund their users ; my clients their money because I deleted my account upon their suggestion moments prior although I have submitted them transaction numbers of the Zelle customers and confirmed that I never received a deposit- they want the Zelle customers to contact their banks.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Disputed this account so many times. Companys response is that it was verified through reporting agencies. Thats not the law, the law says you have to provide me with MY signature To validate this is my account, which I have never received a verifiable contract with my name on it
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

Received message and noted previous complaints closed WITHOUT resolution. Also, emails to " Executive XXXX '' being FULLY IGNORED. Documents attached, as well as original complaint ( below ) I am looking for FULL IMMEDIATE RESOLUTION - that is MY FUNDS RELEASED and distrubuted to an account of MY CHOSING, as I will NOT accept a paper check ... 

Here is original complaint ( my latest email is in next section ) : Complaint : XXXX Complaint : XXXX Since initial complaint was filed on XX/XX/XXXX, I received a email from XXXX XXXX, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response.  Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX XXXX, my husband and I applied for a mortgage loan through Navy federal. After submitted the application, the following day I called to check the status. The agents advised me that is a long wait right now and she will try to get the person that are handling our applications to call us. Later that day I saw our application statuss changed from processing to sent to underwriting. Then it change again from underwriting to denied. I called to understand why! They advised me someone will reach out to me. Two day I received a call from someone who stated I was denied because we have delinquent and judgement on our account. I try to explain to her that I have paperwork showings its an error and we have identity fraud occurs on my husband account. They didnt care. Our credit payment history stated we pay on time 98 % this is the second time Navy Federal denied us for the same thing. We tried to increase our credit card and the only increase but {$300.00}. We email them asking why they didnt pull our credit report. they said because they didnt need to. We requested them to pull our report and mins later we was denied.