davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (TX)

XXXX XXXX dealership was NOT authorized to run my credit, I have the letter from them stating it was their mistake, I have sent several letters to Experian showing them this, I have several letters to the companies/banks on the hard inquiries yet no one will take them off even with letters showing they were in the wrong. Experian should be helping me take them off as I have significant proof.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank delayed a payment and made it looking not existent when apparently hours later the payment came while a second payment seconds apart went though. As a result two payments were made and facilitated stealing of the money by the person who received it. Chase bank blames XXXX XXXX XXXX the person who received it not returning it but fails to refund us for a mystery second transaction that comes through by surprise and late compared to a second one. They had server problems and refuse to take responsibility for our stolen money of a large amount.
Consumer complaint received 2022-06-12
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. (NY)

XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. Experian reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (NC)

This debt was occured on or about XX/XX/XXXX of 2018 and the original creditor never billed my XXXX insurance then tried to go over without billing my XXXX XXXX  first and sent the balance to me when my insurance information was furnished upon to begin with at time of service. Now years later they submitted my account to professional finance company in Colorado which refuses to check the validity of the debt which is invalid because I have a better business bureau complaint open where the original creditor themselves wrote that as it is too late to bill insurance the account ilhas been recalled from collections and written off as it was not my fault. When I contacted professional finance company countless times between 5-10 with detailed voice mails they said they are unable to contact their client to review the validity of the account this has brought my credit score down and it is not a debt I owe and never owe because of their deviant billing practices this needs to be reversed as soon as possible and they are refusing to do so when I clearly have it in writting and all the proof has been submitted. The original creditor was XXXX XXXX XXXX also in Colorado
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (UT)

Aldous is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I had never received a phone calls, notice or letters about this debt and that violates my 30 day right to dispute. I need this account removed/fixed ASAP.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

Case XXXX Merchant Name : XXXX XXXX ( E-COMMERCE ) Dispute Amount : {$210.00} I have been disputing an ongoing case from XXXX. As the merchant indicated in their response to Discover, I had preorder a vehicle. They claimed I did not show up to pickup the vehicle.

So I reopened the case and provided Discover with XXXX map geolocation screen-prints ( with timestamps ) to prove I was at the location. In addition, the merchant physically scanned my Discover credit card at a physical terminal. I provided evidence that I possessed insurance prior to arriving. My reason for leaving without the rental vehicle is because I ordered XXXX vehicle insurance and the company attempted to charge me extra for their " premium required insurance '' without permission. Luckily, the unauthorized XXXX fell off ( from the physical card swipe ). I was disputing the remaining preorder. I fully understand it was " non-refundable '' ; however, the merchant breached the contract when they increased the costs considerably at pickup. I provided Discover with merchant reviews to establish that they have a long history of scamming individual 's in this manner. 
I even provided XXXX with a receipt from that day, including map legend from the rental vehicle location to my dentist appointment. 

Discover ultimately doesn't care, doesn't provide fraud protection, and refuses to glance at their own records to confirm I was present at the rental vehicle location ( where the Discover card was swiped at a physical terminal ).
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase Inc. to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase Inc. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase Inc. respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase Inc. to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX  accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX  XXXX XXXX  Account numberXXXX 3. Account name : DEPT of EDXXXXXXXX Account number:XXXX 4. Account Name : XXXX Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account number:XXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

My Account # is Account NumberXXXX I paid off the Account and have not received the title. I sent a copy of the odometer statement numerous times by mail. 

I paid the car off XX/XX/2021 I have called numerous times, and get treated poorly. 

Please send me my car title. 

XXXX XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Received a letter today XX/XX/XXXX, from SLS, dated XX/XX/XXXX, acknowledging receipt of my XX/XX/XXXX payment but not designating how they applied it and demanding {$4500.00} by XX/XX/XXXX or they will foreclose. I do not owe them {$4500.00}. I have made all payments since XX/XX/XXXX. They will not disclose what they have done with the payments or who or how they process them. I have requested the names, addresses and phone numbers of all employees who have had contact with my file and/or processed my payments, requesting details of how they processed them and what company policies and/or procedures they followed from XX/XX/XXXX to the present. Attaching copies of their letter, my letters, and my Exhibit A & B with usps receipt numbers. I had to send the letterssPriority Express and it cost {$26.00}. What payments, specifically, do they claim I have not paid, or have not sent, and what have they done with them? Thank you for any assistance you can give me. I have an XXXX  from this.
Consumer complaint received 2020-11-13
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. (FL)

I have repeatedly asked for evidence to support XXXX  's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX, and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Red Rock Financial of Cedar City (UT)

Red Rock Financial is reporting erroneously on my credit file. They are reporting a balance on a account that has been paid. I have a letter stating the account was paid. This has now been reporting and ruining my credit for the past 9 months. I want this account removed/fix. It has caused way too much damage when I have paid this acount off a while ago.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Chrysler Capital has been inaccurately reporting data to the three credit bureaus. They have reported me as having late payments for the months XXXX, XXXX & XXXX. Attached, you will find that I paid my car note on time for the months XXXX, XXXX & XXXX. Therefore, the information they've provided to the bureaus is incorrect and should reflect the truth. This is negatively impacting my credit score for no reason at all.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020, of this year, Experian was asked to remove delinquency off of my credit report because there is no back child support owed. I personally called Experian over the phone to file this dispute back in XXXX and upload the letterhead from child support from XXXX XXXX a child support worker to the Experian website and I thought this was all taken care of. But when I applied for a loan this derogatory language was still on my credit report stated the account was terminated for default meanwhile this child support account XXXX is still active with XXXX back child support. This is a violation of Fair credit reporting act because this delinquency was asked to be removed by the XXXX of New York child support enforcement agency. Experian did not follow the credit clear letterhead asking them to remove this delinquency back in XX/XX/2020. This is a negative item on my credit report that stops me from getting approved for a loan during a pandemic when having access to funds is desperately needed. Child support can garnish your taxes, wages, freeze your bank account, suspend your passport, license, and even have the power to put you in jail. I would hope to believe child support doesn't want a working father trying to pay their child support not to have a delinquency on their credit report for 7 years is the reason why they gave me hard evidence of a letterhead asking Experian to remove this from my credit report. Experian needs to follow the state of New York child support letterhead and remove delinquency for my credit report. If Experian does not remove this negative item this time I will file a lawsuit in the Supreme court for relief of my losses. My child support account should be XXXX balance with no delinquency. Using child support to destroy a person 's life for 7 years when they owe XXXX back support does not seem fair.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX. XXXX companies ran my credit without my authorization. 

CAPITAL ONE AUTO XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Consumer complaint received 2020-11-13
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)

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (FL)

Experian reported that I still carried a {$100000.00} balance on my home credit line through XXXX  XXXX XXXX, when it in fact had been paid off in full!
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (NY)

Unknown and unverified debt reported as a collection on my XXXX credit report. I disputed debt XXXX with XXXX ( XX/XX/2022, XX/XX/2022 ). 
I have no knowledge of this debt, have never received written correspondence and was unaware it existed until noted on my credit report. 
I want this debt removed from my credit report.
Consumer complaint received 2021-05-30
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. (NJ)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX This Inquiry does not belong to me
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I was working on refinancing my mortgage through PennyMac. Mr XXXX XXXX was the loan officer for PennyMac. We agreed on the terms and locked a rate. I received a loan estimate document from XXXX on XX/XX/XXXX that broke down fees and other items. The fees included a " 0.02 % of Loan Amount ( Points ) '' for the amount of {$65.00}. After that I was working with Mr. XXXX XXXX from Penny Mac. This loan estimate stayed the same throughout the refinancing process steps. The loan was approved and a closing time, signing the loan documents through the Title agency, was set to XX/XX/XXXX. 
On XXXX, eight days before closing, I received an email from Mr. XXXX that included the closing disclosure documents for me to review. The document was dated XX/XX/XXXX. I reviewed the document and all loan fees were similar to previous estimates, including the 0.02 % for points. 
The documents to go through and sign, my wife and I, on the closing date on XX/XX/XXXX included over one hundred pages. I was aware that I had 3 working days after closing to bring up any issue with signed documents. So, I was doing my best to review the documents and sign without having to spend a whole day reading the fine prints. After we were done signing the documents, I realized that there was a change in the fee by changing the 0.02 % for points XXXX {$65.00} XXXX to 0.38 % ( {$1200.00} ). I called Mr. XXXX to discuss then followed by an email on XX/XX/XXXX and other emails later, On XX/XX/XXXX, Mr. XXXX replied by an email, basically stating that if I did not like the changes I could opt out of the deal. I felt this not fair and not legal to introduce a change at the last minute and the only option for me was to opt out with no guarantee that I would be able to lock a good rate. I did not do anything wrong, PennyMac did. I did not cancel thinking that somebody at PennyMac will for sure address my issue. Since then I sent several emails to Mr. XXXX and one final email and several phone calls to Mr XXXX, but I got no positive response and I was left feeling robbed and helpless. 
I heard about your agency and I am reaching out to you to help me get my issue addressed. 
Thank you for existing
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Was making an on-line payment to account. Web page had changed from last month 's payment. Landing page was pay full amount and " YES '' was the default. Next screen had my payment information stored on file when permission was never given to keep PII information. When I clicked " next '' full payment was processed without a confirmation screen and depleted my entire savings account.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (PA)

Our mortgage was sold to BSI Financial over one year ago. We have never had any issues with our previous mortgage company, but now all we have is trouble. BSI asked for proof of homeowners insurance and we provided it. We provided it 3 times! and had two " 3 way calls '' with BSI 's third party insurance company. 
In the meantime, they " sold '' us their insurance and charged us. We would send in our mortgage payment and they would XXXX it to an escrow account, showing our mortgage as late. We tried calling them dozens of times, and got incompetent customer service people and now we are at the end of our rope. 

As I write this, we are on hold on a Friday evening, waiting for one of their representatives to pick up. We got no answers ... ..only confusion when trying to resolve this issue. I would like to remortgage, but they put us as delinquent on our loan. We have no financial issues, we can easily pay our mortgage, but due to this downgrade we are at the mercy of this company. 
This needs to be resolved as we believe there may a violation of mortgage law.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.