davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Chexsystem have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I disputed accounts with Experian that had unauthorized charges due to previous identity theft. These charges were not discovered for some time, and because of this I was unable to file a police report. However, I did submit the claim to the federal trade commission upon discovery. As a consequence, I disputed accounts associated with this identity theft and Experian refused to remove the information. I attempted to submit a new dispute with a personal statement, FTC documents and other supporting information via the Experian website and received errors for 3 days straight. I finally printed and faxed the information to Experian and the subsequent dispute was still not a success as Experian refuses to remove this damaging information. As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. The associated account are as followed : XXXX XXXX : XXXX XXXX  : XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX In addition, Experian continues to report balances on these closed accounts.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I entered into a contract with US AUTO SALES on XX/XX/XXXX for a XXXX XXXX XXXX. I saw on the news the company closes not knowing where to go for additional financing who to call. The last conversation I had with US AUTO SALES I updated my contact information which is my phone number and a relative address because I reported staying in hotels with my kids and was told a portion of my loan will be deferred. I actually got an email from Us Auto sales XX/XX/XXXX saying my deferment was approved. I got an email from a new company westlake financial and tried several times to reach out to them to gain clarity no answer from the company. The email sent says no reason to call just make payment by creating an online account when trying to create and online account I could not because my contact information was never updated. Everytime I reached out to westlake the phone rung for a long time and when a person finally picked up the phone they immediately hung up the phone. Now today my car was finally repoed and when pressing the option for repression I was able to talk to some one who told me I had to pay $ XXXX today to get my car back. Admitted to not having proper contact information to contact in the matter but Im still out of my car I paid for in the last 3 years. I offered to pay {$800.00} today and in two weeks to retrieve my vehicle. I also asked the tow company who took my vehicle so that I can retrieve my personal property inside the vehicle was given a number that I called all day no response. I have another phone that was inside the car at the time of tow which I was able to track the location up until the phone died which led me to a sheriff station where the tow truck rode by which told me near by repo yards in that county. Although my car was not at any of those tow yards they led me to call XXXX XXXX ncic to see who retrieved my vehicle. I have still been unsuccessful with collecting my personal property have not be able to speak with anyone else from westlake financial or the recovery company they say they use.
Consumer complaint received 2023-01-30
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. (CT)

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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: Resurgent Capital Services L.P. (NY)

On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX  took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. 

Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Today, I called Synchrony Bank to ask if they could send me a copy of the full and detailed Transaction Account History for my store branded XXXX XXXX card that I obtained through them several years ago. 

The customer service representative refused to send it to me. He repeated stated that this account ( along with my XXXX XXXX XXXX XXXX  branded card with them ) have been charged off, so he will not be able to send that information to me. He suggested that I contact the collection agency that has this XXXXXXXX XXXX account, although no collection agency has reached out to me regarding this card - Synchrony Bank is still reporting the CO status on my credit report monthly ( last time was XX/XX/2023 ). 

I contacted Synchrony Bank directly to inquire about receiving the complete and unabridged versions of my Transaction History Reports for these two store branded credit cards, because I am certain that Synchrony Bank has overcharged me throughout the length of time that I had these cards open with them - I just want to verify the application of the interest, principal, and fees. They did not meet that request.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Despite my previous attempts to address this matter, I am disappointed by the lack of progress and attention given to my concerns. 
Account Information : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have thoroughly reviewed my credit report and identified several instances of reported late payments that are factually inaccurate. I dispute the accuracy of these late payments, as I have consistently made timely payments to the aforementioned creditor during the periods in question. 
I have previously submitted disputes regarding these inaccuracies, yet no progress has been made in correcting this issue. Moreover, the lack of communication and transparency in the investigation process is concerning. I have not received any updates or information regarding the status of my disputes, and it appears that the investigation has not been conducted thoroughly.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

COVID forbearance emergency - our mortgage companies will not work with us on a modification, but instead want to short sell or foreclose. 

My wife and I were hit hard financially during COVID, I lost my company and all ability to earn money. We entered into a COVID forbearance program to alleviate some hardship on our family. We extended the COVID forbearance for the full 18 months and immediately began the loss mitigation modification process with both of our mortgage providers, we have a primary and a home equity. 
The primary mortgage was sold to Rushmore Loan Services prior to our forbearance ending so I have no history with this company, but they've denied our modification because they say they can't beat our 5 % interest rate. I've requested a deferral instead so we can proceed with our monthly payments, but they stated that they can't modify our mortgage unless they can better it. They've offered a short sale, foreclosure, or a deed in lieu in place of a modification. I have four children, all of who live at home, and selling our home is not an option. Since COVID has slowed down, both my wife and I were able to obtain full time employment, and are more than able to meet our monthly obligations, but we need Rushmore to offer a workable option for us. We just came out of our financial hardship so the last option they provided, of paying the FULL past due balance is not an option either. 

Our 2nd home equity mortgage modification has been in process since XX/XX/2021. I've jumped through hoops to get them all of the information they required, and have been denied twice based on that my 1st mortgage is not in good standing. I don't have other options. COVID left my family financially struggling, and the mortgage companies are not willing to work with me on resolving this. We're being taken advantage of, and also feel that the mortgage companies are more interested in stealing my house then helping me work out a solution.
Please help, I've exhausted all other options and I'm afraid I'll lose my house to these predators. 

Thank you, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent the bureaus letters regarding imprecise things I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. It's clearly indicated in Section 611 ( a ) that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated. I urge you to PLEASE assist me. Thank you.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my XXXX Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$590.00}.
Consumer complaint received 2023-05-13
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. (TX)

On XX/XX/2020, I sent a letter to XXXX, Equifax, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UMB FINANCIAL CORPORATION (TX)

Discrimination of honoring my Promotion and refusal of a Management complaint! 
All is recorded! 
On XX/XX/XXXX I called 3 times to speak with 3 different customer service representatives that were available and ready to assist me with my Balance Transfers in regards to the statement I received. With the XXXXrd representative she took all of my information over 17 minute call and stated allow up to two weeks for the banks to receive the checks, that was it!!!! Whats disgusting and disturbing after to speaking with 3 customer service representatives about my offer 0 % interest rate with a 3 % balance transfer one time fee, ready to process stating its still available with no problems on XX/XX/XXXX XXXX XXXX Employee ID # XXXX calls me. I have two voicemails and we both have recorded conversations between her and I on today! Its unprofessional for her to call me to inform that XXXX XXXX her manager states, he will not accommodating my Balance Transfer after the representatives stated, it was available on XX/XX/XXXX the only problems that could occur is if I gave them the wrong credit card number & address information ( thats it thats all ). Nothing in the recordings from the representatives state the promotion has ended or will be a issue if it has ended!!! This is the second time UMB has stated something is offered to me and I was lied to. Its unprofessional and deceiving that Ms. XXXX and XXXX XXXX did not honor the transfer I am exhausted and disturbed by this whole unprofessional/unorganized staff! I dont work for UMB and should not spend hours of my day going back and forth with a deceitful management team that lacks leadership, empathy, training and honesty! I asked several times on the recorded calls for higher management where I can have a conversation with this matter and was deceived that one would call me and didnt! I have on recording where MsXXXX XXXX states I can waive the 3 % balance transfer fee with a high APR rate, but not give you the 3 % balance transfer fee 0 % interest rate to XX/XX/XXXX, but earlier in the conversation you cant offer me anything again the lies/deceit! Dont insult me with ignorance I am requesting my promotion again the full promotion. Nothing less or they close my card without any negativity coming against my credit ( I know that a customer can be penalized for just closing their own credit card ; therefore UMB staff can close with ANY negativity reflecting a impact to my credit card they can close it )! I will never ever refer anyone to using or applying for this card because these people discriminate and take no accountability with their lack of customer service or promotions!
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

Over the last 6 months, my Regions business debit card has been compromised about 5 times and 3 out of 5 times, it was without me activating it which appears to be an inside job or the data system is being hacked. The first time I noticed was XX/XX/year> when I could not use my card and when I called the bank to dispute the charge, they told me it was not disputable because the card was not even activated yet or words to that effect. The most recent compromise was XX/XX/year>XXXX  and I just received this card not too long ago. There is something fishy going on and my card should not have been compromised before its even activated. The bank accused me of giving out my PIN number which is ridiculous.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.15 USC 1681 section 604 states that a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-16
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: Bridgecrest Acceptance Corporation (IL)

On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit score reduction should be corrected.
Consumer complaint received 2023-07-27
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. (AL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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