davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NEW YORK COMMUNITY BANCORP INC (PA)

Early in XXXX my bank wrote me a letter saying that there was " irregular activity '' ( their term ) on my checking account and if they didn't hear from me within a certain window of time, they would freeze my debit card. ( I don't have a credit card anywhere, and I haven't been able to log into my account at the bank website or use the billpay for over a year, which is another matter entirely. ) I wrote them a letter. No answer. I wrote another letter. No answer. I wrote a third letter. No answer. The debit card is now frozen and probably cancelled, and I can't ( a ) get money out of an ATM, ( b ) shop with the thing ( though my XXXX account, which is tied directly to the bank account itself, seems unaffected ), or ( c and most important ) buy any Postal Money Orders with which to pay my rent -- and my landlord is getting unpleasant. I am still getting alerts for my monthly online statement ( so the account remains active ), but since I can't log in, I can't check it and see what this " irregular activity '' is. I want an answer and I want it IMMEDIATELY.
Consumer complaint received 2021-08-16
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (CA)

XX/XX/XXXX Sterling Talent Solutions Did employment background screening. 
It was reported on a XXXX report a XXXX XXXX that took place back in XXXX 
The Fair Credit reporting act states the report must show the date the crime was committed not the date the case was resolved. 

After Explaining this to Sterling an agent -- -- -- -- " said it no longer matters conviction happened employer doesn't want a conviction. '' It is an SEC-regulated company if anyone should be reporting fair and honesty and abiding by what the law stated it should be companies such as these. 

Sterling Talent Solutions said they went to the courthouse to get information and I was wrong. 

I contacted the courthouse they stated they do not offer this information to 3rd parties. 
I have a paper showing my case was a XXXX 


Also They created a virtual list of incidents that had to happen but on the side, they wrote clear. Its a form of a virtual background check because the people that work there know The incident happened but since it says " clear '' they feel They are following the law of The Fair Credit Reporting Act. 


I am a resident of California.  And the XXXX was in Oregon. 

I want to know what data furnisher provided this information to Sterling Talent Solutions it is my right because it is inaccurate. 

It cost me a job That I really wanted. 
I feel I have been seriously affected by this temporarily. 
The XXXX offer was for {$200000.00} I feel that was a major setback due to inaccuracy Sterling has not worked with me. 

I asked where they got this information They said they went to the courthouse. 
I contacted the courthouse. They did not get it there.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TN)

My social security check was direct deposited, as usual on XX/XX/2021, yet it was not showing in my account. After giving it a few days, I reached out to Schwab customer service. The agent was adamant that a ) the deposit was never made, and b XXXX the Treasury Department had not issued the payment. I checked my account on the XXXX website. The agent had not been truthful. It showed the deposit made on XX/XX/2021. I contacted customer service again. The agent gave me the same false information ; payment never sent, payment never received. 

I called social security. The XXXX agent verified that all account numbers were correct and that payment was, indeed, made on XX/XX/2021. 

Once again, I contacted Schwab customer service. This agent was able to confirm that Treasury had made the payment. But, the bank has no idea where it is or when I might receive the funds. 

As of today, I still do not have my money or any estimate as to when it is expected. Of course, this has created a hardship.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

Is this some sort of scam? Absolute joke of a company with no customer service. I have money waiting on a nifty XXXX account that I need to pay my bills and I cant withdraw it as Gemini are not verifying me when Ive done exactly what they asked me to do. I have a mate who waited over a month, I can not wait that long! Absurd
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Heartland ECSI has me set up for quarterly payment withdrawals, the XX/XX/XXXX quarterly payment went through correctly. On XX/XX/XXXX, Heartland generated a bill that I did not receive in the mail until today, that bill has incorrect information regarding my quarterly payment dates, outstanding balance and past due balance. A fee of {$1.00} was charged on XX/XX/XXXX for my past due balance on that date. The interest charges and past due balance appear to have continued to accrue and increase after the incorrect quarterly payment date on the bill of XX/XX/XXXX. 

Yesterday morning, on a Federal holiday, Heartland 's collections division called to collect on my " past due '' balance. I refused to provide Heartland 's extremely-agressive collection agent my Social Security number or birthday as I could not verify that the incoming call was actually coming from Heartland. When I tried to call back, I was informed that Heartland was closed for the holiday. I logged in and paid my " past due '' balance of {$26.00} to avoid a late payment strike on my credit report. On their website I put the XX/XX/XXXX bill next to the previous bill and noted all of the discrepancies between the two for the dates, expected payments and balances. I double checked my auto payment settings and they were all setup correctly. When I paid my additional payment, I was charged an ACH fee of {$1.00} for the convenience of using this service.

Today I began calling Heartland at 7 am. I have now spent four hours listening to hold music. I have asked to be called back three times and have not received any response whatsoever.

This is not the first time that Heartland has made errors with processing the auto payments I setup on their website. The one late payment on my credit report is from Heartland making this exact same error in XXXX 

In short, my complaint is that Heartland is deliberately making administrative " errors '' to fraudulently drive up ACH, late fee and penalty interest revenues, using the threat of negative credit reporting to keep the suckers in line.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX  refuses to take my name off early warning services all debts have been paid and they refuse to update the information that was cross reference with my social security number. I contacted early warning services this morning and was told to contact the institution the supervisors of XXXX XXXX XXXX  have no means to help. XXXX XXXX XXXX  is the worst financial institution because they cross reference my ssn with a fraudulent account
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016 that included a finance charge. Under the provisions of XXXX XXXX XXXX XXXX a ) when a consumer credit transaction involves a finance charge, that is the SUM of all charges. I also put a downpayment down in which is also illegal because a finance charges doesn't involve and comparable cash transactions. I also wasn't given my disclosure of my right to rescission. This must be given to the consumer and it was not disclosed to me during this transaction. I extended my credit to them and granted them the right to extend it back to me under the provisions of XXXX XXXX XXXX. I sold my security interest to them and I'm not obligated to pay any debt under XXXX usc XXXX. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights. It is illegal and against my federally protected consumer rights to pay a monthly payment on a positive balance. PENNYMAC mortgage is a third party debt collect who didn't not have my permission to contact me regarding debt. PENNYMAC illegally obtained my information without my permission. I do not have a contract with PENNYMAC MORTGAGE and they have infringed upon my right to privacy as the consumer under XXXX XXXX XXXX. I am demanding all payments be returned. XXXX has threatened to XXXX XXXX my abode location in which is also illegal under XXXX XXXX XXXX. They can't not take legal action in this manner. PENNYMAC can not validate any debt to myself as the consumer. XXXX is not the holder due course on this account. I'm demanding that they show documentary evidence of this alleged debt that I received an allege loan from them. XXXX XXXX XXXX states that the United States is responsible and I am not responsible or obligated to pay any debt under the FDCPA XXXX XXXX XXXX. PENNYMAC has ruined my financial reputation and has threaten to take my property under fraud. PENNYMAC has sent false and misleading statements in a positive balance.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (OH)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. 

Respectfully,
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

Hello and good morning!. My name is XXXX XXXX and I'm initiating this complaint due to the fact that two out of the three credit reporting agencies have my credit score greater than XXXX, but Experian has my score at XXXX wrote them a letter requesting that they reevaluate how my score and how it is calculated, but I have not had a response from their company.I find it very disturbing that they can have my score at the lowest, but somehow continue to try and sell me their products.I feel like as a consumer if I dont purchase their products they'll continue to have my score the lowest out of the three credit reporting agencies.I never receive information from XXXX, somewhat from XXXX, but Experian sends me the most and they're the ones that have my score the lowest, this to me is done intentionally to the consumer to force them in some manner to purchase their products to achieve a better score, please look into this for me because I feel that this is wrong on so many levels, and some governmental agency needs to be made aware, thank you for your time and hopefully timely response to my complaint.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (NV)

I have looked up number belongs to Ad Astra Recovery. They have called my job twice now on XX/XX/XXXX and XX/XX/XXXX asking to speak with me. I am not able to take personal calls at work, let alone staff trained not to give out personal information in regards to if we are there. This number was calling my cell repeatedly last month but never once left a message. Because number is not a recognizable number did not answer. I need these calls to stop for calling at place I work.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called, and called, and called. I asked to have my account closed due to unauthorized purchase and activities. I have been patiently waiting for my new card for almost 4 weeks now My name is XXXX XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

due to Covid it has been especially difficult being a minority to survive with no working capital to continue business. For the first time I decided to apply with a lender but first I wanted to check my credit and when i did, i found numerous hard inquiries that I did not execute. I immediately notified all 3 reporting agencies and XXXX bank. XXXX, XXXX, and XXXX  did their own investigations and concluded that it was fraud like i said. I just received a letter from Transuions telling me that they will stay on my report. I need to know how 4 reputable institutions did an investigation and came to the same conclusion but Transunion. It makes me as a consumer feel as though I am being dishonest even though I was victimized. I had to get a new server and place XXXX XXXX XXXX XXXX  on all my devices which is an extra expense that I can not afford. I took all the necessary steps to ensure my information is kept private. 
However, now because Transunion has decided to keep these on my report for the next 2 years which is unacceptable. If you view my report you can CLEARLY see multiple inquiries on the same day. ALL of my bills are completely paid on time and or paid off, no bankruptcies or derogatory or dilquancies I am submitting my second complaint regarding Transunion reporting the WRONG information on my report and I was never notified of these inquiries. Even with having a freeze on my account.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2022-06-21
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. (GA)

XXXX XX/XX/2022 {$110.00}, XXXX XXXX XX/XX/2022 {$2900.00}, XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.