davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A.R.M. Solutions, Inc. (CA)

Our house had damage by water leaking from the toilet on the second floor. We requested for help from the XXXX XXXX XXXX XXXX. They assigned XXXX XXXX services to do the repairing. XXXX XXXX technician came to our house once. and left right after 5 minutes. He did not do or say anything to us. We thought that he might need more equipment to finish, but no, he had never come back. We had to contact the XXXX XXXX XXXX XXXX again. Ofcourse, several time contacting, The insurance company found out the reason from XXXX and request us to having the Asbestos test for that damage which was required by law. That Asbestos was not absolutely not covered by The home warranty ins. We had to request XXXX- our home involved. XXXX XXXX  had their carrier come to our house to dry the house, opened the walls from 1st floor to 2nd floor to do the asbestos test. The test was negative. I contacted XXXX again and again asking them to come back to our finish the job such as repair the toilet and put the wall back to normal. XXXX had never come back since then. We could not leave the toilet leaking and the wall opened forever, We had to pay for the different plumping service to finish the whole thing. However, XXXX kept sending us invoice {$75.00} copay, even they did not do anything. How could we pay for that bad service?. It is not fair at all to pay for a company as XXXX. Recently, we received a notice from A.R.M Solution Inc., a collector agency. Please help us to dispute this debt. Thanks
Consumer complaint received 2022-12-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In response to Complaint # XXXX As shown I have acted in good faith in your response, you stated that 'you placed a cease and desist on the account ' which would include the consumer reporting agencies otherwise this would be violating my cease and desist.
Consumer complaint received 2020-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX, I entered into a temporary payment agreement with Capital One and I made the agreed payments. The company still reported late payment history for XXXX, XXXX, XXXX, and XXXX. I initially called XX/XX/XXXX to open a case about getting the late payment history on my credit report updated to reflect on-time payments because I made the agreed payments. Capital One agents called me XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform that it had been resolved and credit bureaus would be notified and my credit report would be updated as of XX/XX/XXXX. I recently retrieved my credit report and noticed that the late payment history had not been corrected. I spoke to Account Manager XXXX ID # XXXX and was informed that they couldn't fix the inaccurate credit reporting on their end because they already asked credit bureaus to update XX/XX/XXXX.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (FL)

Representative released information about account of mine that was sent to collections. I had not spoken with this company and was not aware was in collections. They called my husband 's number and released information without verifying his name or who he was and the account was only in my name. Per the FDCPA this is third party disclosure and I will be contacting an attorney. Call was received on XX/XX/2020 on phone number XXXX.
Consumer complaint received 2020-05-22
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. (CA)

My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping me.
Consumer complaint received 2024-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FinCo Services Inc DBA Current (NE)

On XX/XX/year> I recieved a deposit for {$300.00} from my employer, the account number was missing XXXX digit making it a no existing account it was getting deposited to. From XX/XX/year> up until today XX/XX/year> I have contacted ( Current ) at least XXXX  times via chat support, XXXX  times via XXXX, and XXXX via phone call, to have them return the funds to my employer so they could resend them to me, but all they keep saying is that, they never recieved the funds ( even though my employer has showed me receipts stating it was paid ) they keep saying the funds should be returned between XXXX days even though I've let them know it's been longer than that and it still hasn't been returned, and all they keep saying it's not their fault I put in the number incorrectly and that somehow my employer needs to fix it? Yet their establishment has my funds.
Consumer complaint received 2022-12-30
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. (TX)

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
those items above are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2020-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (FL)

I keep getting calls and letters trying to get me to negotiate a debt Ive never contracted with them ( Cap Stone Credit & Collections, LLC ) NOR that they've never verified was mines. It's very embarrassing and upsettings to keep getting harassed about this.
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach, and I have gotten into the hands of the wrong person.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (IL)

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. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (NE)

I did a loan with Wells Fargo in XXXX for a vehicle. Loan was paid off in XXXX or XXXX. I went to treasurer office this week to get a duplicate title to sell the vehicle and found out that I couldn't get it as Wells Fargo never released the lien on the vehicle. Now I am being shuffled all over Wells Fargo and its auto attendants trying to get this resolved. WF is telling me I don't exist in their system and I would need to send a copy of my drivers license and social security number to a blind fax number!!! I don't know where this number goes or who has access to the info, and was told there is no one that will answer the phone at that number. How do I know who/where my information is going to? I have a checking account, savings account, and credit card with WF, but they tell me they can not pull up my information that way? What the heck?? Got number to WF consumer loan executive offices and escalated to a manager. She can not find my information either. All I want is to have the lien released so I can get a duplicate title!! ..Why am I having to do all the work on this when Wells Fargo has once again XXXX up?
Consumer complaint received 2020-05-22
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-30
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. (FL)

XXXX, TransUnion and XXXX willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Consumer complaint received 2021-10-14
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. (NJ)

I sent in a letter certified every 60 days certified with a copy of my social ID bank statement and FTC report. It's been 8 months and nothing been done. my last certified letter was sent in on XX/XX/2021. I sent in copies of proof of my identity and the letter they should have on file already.
Consumer complaint received 2020-05-22
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: ID Analytics, Inc. (TX)

I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from XXXX XXXX  saying that SageStream , LLC reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX, or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from XXXX  on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX  of XXXX and XXXX  is XXXX but they lied about this score however they obtained it.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS Mortgage ... XXXX XXXX XXXX XXXX XXXX $ XXXX. They put payment into suspense. 

Never short even with increase in escrow payment comes to {$2300.00}. 

I have made at least 10 call tickets and had conversations with just as many agents beginning XXXX of XXXX. NO HELP WHATSOEVER. 

XX/XX/XXXX - Called to question the large increase in payment. Escrow calculation was provided. Incorrectly calculated. Agent apologized and said it would be corrected, no problem. 

XX/XX/XXXX - Statement arrived with incorrect amount due, but we knew SLS was fixing it. 

XX/XX/XXXX - Statement arriving again with wrong amount. Called agent again - told me a " ticket '' was being created to address the issue. They said the payment was lost. I had to provide proof of payment by sending requested documentation to XXXX. Rec 'd email stating docs were received. 

XX/XX/XXXX - I called to check. This agent said a " ticket '' was never created previously. They said the only thing that was noted was a request to waive penalty. This agent created another " ticket '' to fix the " missing payment ''. I was assured it would be corrected, no problem. 

XX/XX/XXXX - Statement arrives - NOT fixed. 
XX/XX/XXXX - Called agent. Stated the other ticket was closed because now they said that XXXX payment wasn't missing! ANOTHER " ticket '' was opened for a " missing '' XXXX payment. Agent said shouldn't be an issue anymore. It will take 3 - 5 days to correct the problem. 


To this day, SLS has not corrected the problem. 


***Big Picture : Old mortgage amount XXXX. New mortgage amount after escrow ( corrected ) {$2300.00}. WE SENT {$2400.00} EVERY MONTH 4 TO 5 DAYS BEFORE DUE DATE. NEVER LATE, ALWAYS PAID MORE THAN THE PAYMENT DUE. *** XX/XX/XXXX STMT Due XXXX {$2300.00}. No issues PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00}. No issues PAID {$2400.00} XX/XX/XXXX for XXXX. 

NEW PAYMENT WITH NEW ESCROW AMOUNT {$2900.00} ( INCORRECTLY CALCULATED. THEY EVENTUALLY FIXED THE ESCROW AMOUNT ). 

XX/XX/XXXX STMT Due XXXX XXXX ( WRONG AMOUNT ) PAID {$2400.00} XX/XX/XXXX for XXXX SLS PUT XX/XX/XXXX PAYMENT IN SUSPENSE CAUSING THE STATEMENTS FROM HERE FORWARD TO SHOW PAST DUE BALANCE! 

( THEY CORRECTED ESCROW - NEW PAYMENT AMOUNT TO {$2300.00} ). 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX THEY PUT XX/XX/XXXX IN SUSPENSE. 

XX/XX/XXXX STMT - Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

XX/XX/XXXX STMT Due XXXX {$2300.00} + PAST DUE AMOUNT {$2300.00}. PAID {$2400.00} XX/XX/XXXX for XXXX. 

Continues to present day. SLS has yet to fix the problem. Had to contact an attorney.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX XXXX, On XX/XX/2020 Citi was paid {$35.00} and I have proof.. Now they are telling me that that payment is over due and are billing me {$29.00} late fee. When I call them, they just give me an automated system to " collect the debt '' I've even chatted on line with no help. They do not let me talk with a " liver '' person and I'm over it. I have sent them a letter & copy of payments and a check for {$260.00} and told them to close my account They have really caused me a lot of stress and time. I would like for them to be stopped. 

Sincerely
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDWEST EQUITY MORTGAGE, LLC (GA)

XX/XX/XXXX - XX/XX/XXXX, we submit two applications for a refinance. the first one fell  through because they were too slow. Tried again, and they pulled my credit scores at least twice which causes my score to dip, which causes them to deny my application. 

XX/XX/XXXX - submitted application for a JUMBO refinance loan to XXXX XXXX XXXX, XXXX : XXXX, including all required documents. 

XX/XX/XXXX - receive paperwork to sign, which had errors in it, contact broker, but no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - finally respond, but paperwork issues are still not addressed XX/XX/XXXX - reach out with question about appraisal, no response XX/XX/XXXX - reached out again, with response XX/XX/XXXX, XXXX weeks later - because of the slow movement, banks are no longer lending. talked into an ARM refi, which we agree to on XX/XX/XXXX. 

XX/XX/XXXX - all documents are gathered and submitted XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - moves to underwriting XX/XX/XXXX - conditional approval XX/XX/XXXX - no word, i reach out XX/XX/XXXX - am told that our application was denied due to credit scores lowering, which were pulled TWICE because of their slowness. 

XX/XX/XXXX - reach out, ask if this deal is dead, no response XX/XX/XXXX - reach out again, no response
Consumer complaint received 2020-05-22
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: CITIBANK, N.A. (NY)

XXXX is order # from best buy for {$580.00}. Item was not sent by merchant and XXXX at Citibank refused to dispute the charge. Customer spent two hours plus trying to resolve dispute with BestBuy and Citibank to no avail. They failed to send item and yet I'm still being charged. Totally disgusting. Item purchased on XX/XX/XXXX.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was scammed for a puppy on XX/XX/XXXX. I pod a deposit for the puppy and then the seller wanted the rest of the money and thats when I knew something was up. They seemed legit until that point. I paid {$350.00} through XXXX with 5/3. 5/3 stated that since I authorized the transaction that I will not be able to receive my money back, which I understand but figured there should still be more that can be done. I have photos for proof of the conversation. Just really want some money back if possible.
Consumer complaint received 2020-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank 0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (MI)

Attached is my FTC Identity theft Report for an inquiry I did not authorize, nor did I authorize anyone from the company to use my personal information nor did they have permissible purpose 15 U.S.C. 1681b.
Consumer complaint received 2024-11-04
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. (GA)

I have tried to resolve this matter with the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all XXXX credit bureau. Some for a few years now and these accounts have not been removed. 

So as of XXXX XXXXXXXX XXXX this is my CEASE AND DESIST NOTICE TO ALL THE CREDITORS and XXXX, TRANSUNION, AND XXXX THAT I REFUSE TO PAY THIS DEBT, UNDER 15 USC 1692C.