davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX had claimed to charge off/send to collections {$150.00} total balance. Using XXXX  own XXXX XXXX XXXX, the company successfully defrauded myself and Experian claiming the account was sent to collections. The account never left XXXX XXXX, therefore a write off/charge off never took place. The account remained with the same organization in perpetuity. It has been paid in full and closed. I requested the verbiage to be changed on the tradeline, and Experian has thus refused. XXXX XXXX has made statements to this consumer through your portal proofing this fact. Whomever is responsible for resolving this dispute at Experian is demonstrating actual malice by resolving disputes incorrectly, repeatedly. Please advise. Thanks.
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

I have mortgage on the property located at XXXX XXXX XXXX XXXX, GA XXXX with XXXX  XXXX. The servicer is the money source. They disbursed {$1500.00} on XXXX XXXX, 2020 to make first installment payment for the property tax. They also disbursed {$470.00} on XXXX XXXX, 2020. I contacted the company via phone and via email about this payment. The tax person admitted that the payment was made for different parcel. My account has not been credited for this amount as of today.
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

I received a notice letter from U.S. Bank dated XXXX/XXXX/2019 telling me they received a replacement insurance policy with XXXX  XXXX  and that I should cancel my previous insurance. U.S. Bank then made a payment for {$1000.00} to XXXX  on XXXX/XXXX/2019, but the problem is I never changed insurance carriers and when I contacted US Bank on XX/XX/2019 they stated that the payment had been made to the wrong account under someone else 's name. The initial phone call on XX/XX/2019 did not resolve the issue and the customer service rep said it was in Supervisor Review, because of its unusual nature. I asked for a letter to explain what happened and asked for them to give details on fixing the situation. After never receiving a follow-up letter, I called two other times and both times receiving run-around and numerous holds by customer service staff that would only say it was in supervisor review and give no details. Finally, after I insisted the representative give me contact information for the supervisor in charge, which they previously wouldn't do, they finally gave me a phone number for XXXX XXXX XXXX XXXX XXXX XXXX. I called the number and left a voicemail and never got a response. I called the number several other times and it would go to an automated voice immediately saying " Good Bye '' and instantly hang-up. It's been almost a full year and I have gotten nowhere with U.S. Bank and they have not returned the {$1000.00} they took from my account and I feel like I've been defrauded.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (TX)

Mersal and Kramar ( Minnesota ) Sued me while I informed I was in Texas after winning the law suite the they garnished my account for XXXX XX/XX/2019 dollars. They were aware that in Texas they are required to be bonded by the Secretary of State I have asked to turn the account over to original owner  XXXX   XXXX but continue to send letters to my attorney after I provide my address on phone to them. why are refusing to call me to write letters when I gave my Texas address. This took place today XX/XX/2019. 

When capital calls they keep saying my attorney I do not have one he has given permission for me to speak to them I have capital one remove information. I frustrate feel victimized by the games played here. How can company collect in Texas while they are not bonded also I received letters from court while this case was going in Texas proof that I live here. Please find this company they are abusing consumers like me I am asking for justice if there is fine I need them fine if you need proof I will supply. I make clear on the phone here that they must resume communication with me and stop playing oh he has lawyer game. 

Please Are third-party debt collectors and credit bureaus required to register with the secretary of state? 

No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id.
Consumer complaint received 2020-06-08
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. (CA)

Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for XXXX  's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. 

Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

This is not only inaccurate and invalid, but it's unlawful and ILLEGAL. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : XXXX XXXX ( NOT MINE ) I demand the above account be removed immediately.
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (GA)

I took a loan out with this company in XXXX of XXXX for a small amount of XXXX. I also used the MoneyLion Plus membership. 
I paid this loan bi- weekly every Friday until my last payoff. I made my last payment on XX/XX/XXXX of {$44.00}. That day I also cancelled my MoneyLion membership and withdrew my MoneyLion investment balance. I thought everything was clear until I pulled my credit report and it keeps showing I never paid. This is a damaging remark toward my score. I have tried to dispute this faulty claim and they now are showing my account as last due and delinquent.
Consumer complaint received 2019-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

The company that I am speaking about is XXXX XXXX XXXX XXXX   also known as Loancare the issue that Im having is they charge me every time I make a payment up to {$12.00} extra the only way for you not to get charged is to mail your payment in and have it in by the XXXX  of every month. Everybody has a grace period to the XXXX  of every month. Ive never had this trouble in the 13 years Ive had this home Ive always paid by phone or online at no charge every month this is costing me {$12.00} I cant make the payment by the first because of the way I get paid and I use the Grace period And Im never Late I find this totally unfair if you pay by the XXXX  youre charged {$10.00} if it goes past the XXXX  they charge {$12.00} even if you call it in by the XXXX  or the XXXX  you have to mail it in and they have to receive it by the XXXX  in order for you not to be charged this is not fair at all please advise they are  taking my money every month. They took over my mortgage from XXXX and I dont like when they switch mortgages without my permission they do it that they notify me but I refuse to pay the extra {$12.00} a month please advise
Consumer complaint received 2018-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

as of XX/XX/ 2018, XXXX XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have been a wells Fargo customer since i have applied for a mortgage almost two years ago. I had some issue which is normal for first time applying for a mortgage. Make sense. However, for the past three months or so I have been trying to refinance my mortgage and basically I had no one to communicate with. I have been going through the process with lots of unanswered emails, and phone calls. Lots of unanswered questions, that I needed some guidance with. I am extremely disappointed. The mortgage broker ( XXXX XXXX ) was not reachable, not through emails, and not through calls. I have left messages, and never got a call back. I am basically going through the process by myself. It got to the point that I have reached out to the manager ( XXXX XXXX ) after he sent a random email with a satisfaction survey. I was so frustrated with the customer service I am facing that I have picked up the phone to reach out for help. Sadly, the manager didn't pick up the phone either. I proceed and sent an email asking for help, guidance, something, or someone who can give me answers. I have explained my dissatisfaction and basically that I have no one to reach out to or anyone who can communicate with me to hep with my refinance process. Even my email didn't get a respond! How Ironic is it, that the manager sends a satisfaction survey but he doesn't really there for the client. It is very disappointing! I said this can't be real. I proceed and sent another email to the manager stating that this is the second email I have been writing in regards to my dissatisfaction with my refinance process. I have explained the difficulty i am having with providing certain documents to my mortgage broker, and still no answer or guidance. I have also added that i will be more than happy to forward all the emails I have sent to the broker just to emphasize how much i was ignored! Eventually two days ago I have gotten a letter in the mail saying that my refinance process is canceled. How is this possible?! if I have never got the support i needed completing the process. Not the broker ( XXXX XXXX ) or the manager himself ( XXXX XXXX ) were communicating. I would except a better customer service from a bank like Wells Fargo. At these times where we are going through global pandemic, and everything shifted to digital, customer service should come first and foremost. Wells Fargo- You failed!
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: EQUIFAX, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (OH)

I'm trying to add money to my XXXX XXXX account and it will not link my account keeps kicking it out. And I tryed login in and adding and manually adding my account and it's very frustrating because ethe stocks keep rising and I cant add no money please fix thank you
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above 750 ) and would not want to jeopardize it in any way. I contacted Synchrony Bank to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call XXXX XXXX XXXX XXXX, and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
Consumer complaint received 2020-06-09
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: Navient Solutions, LLC. (CT)

I have repeatedLy questioned why I am being reported by navient for XXXX $ due for greater than 90 days passed due, these accounts have dropped my credit score by more than 200 points. I am unable to currently purchase a house for my growing family. I have attempted to work with them repeatedly, they will not combine or do anything for the fact I have 12 accounts with them, they will not do anything except repeat over and over again that I must pay the amount due, but the amount due is XXXX $ on multiple accounts and the other accounts arent due yet. Their billing processes and situation is ridiculous. It took me threatening a serious law suit last time for them to clear this up, and now 1 year later they are back to the same old games.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

On XX/XX/20 I was alerted that my credit rating dropped several points. 
I investigated and found it was from a collection agency called IC System. 
I called the company first thing in the morning XX/XX/20. The agent told me the {$450.00} debt was from XXXX XXXX. 

I told the agent rather than paying them, Id rather call XXXX and get back to her if necessary. 
I found the receipt for our in person return of all equipment from XX/XX/20. 

I called XXXX the following morning and found I had a balance of {$130.00}. 
I immediately paid that balance over the phone with XXXX. 
I asked the representative at XXXX to check and see if she showed any other debt to their company. After searching My name and account by state, birthday and ssn she confirmed I had no other outstanding debt. 

I called IC System back and kindly asked them to remove the debt due to the fact I had paid XXXX and was willing to provide receipts, account numbers, etc. that validated that the equipment was returned and bill was paid. 

The agent XXXX XXXX was not interested in the fact that I had proof that I paid all debt and returned all equipment to XXXX. 

IC Systems best solution was to pay 70 % of {$450.00}. I was not comfortable paying any money I dont owe. 
Although I have documentation IC System refuses to acknowledge my receipt that shows the corresponding account number matching theirs for my account and is unwilling to remove the inaccurate derogatory item from my credit record. 
I also never received communication by mail from IC System regarding this account. 

The timing of this is painful during a national Covid19 pandemic. 
I am preparing to send my daughter to college in a few months, so the impact on my credit is exponentially damaging to our familys plans. 

IC SYSTEM is using reckless tactics to collect a bounty that has been settled. Their collections methods are unscrupulous and lack integrity. IC Systems lack of willingness to acknowledge settled debts shows gross negligence due to the fact that they are deliberately maintaining the derogatory status on my credit reports which is adversely impacting my credit rating.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (AZ)

XXXX  is reporting XXXX  history that is 13 years old with the case closed as well as the XXXX  that I was XXXX  of here dismissed by the State of California due to compliance and completion of intense XXXX XXXX, XXXX XXXX, that I successfully completed dismissing my XXXX  as of XX/XX/XXXX. The records are outdated and past the 7 year law [ Cal. Civil Code 1785.13 ]. This adverse reporting is negatively affecting my employment opportunities. Checkr is also reporting the same information incompletely and it should be removed. 

The case number XXXX FILED XX/XX/XXXX, DISPOSITION XX/XX/XXXX, XXXX COUNTY seems to be a form of XXXX profiling and violates my civil and individual rights and opportunities for gainful employment in which I am qualified for. Please remove it.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} )
Consumer complaint received 2019-12-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (CA)

I became aware that I missed a car payment with Ford after it had been reported 30 days late and showed up as a derogatory mark on my credit report. I missed this one payment of {$500.00} in XXXX  or XX/XX/XXXX depending on the credit reporting agency. XXXX reported it late in XX/XX/XXXX, XXXX reported it late in XX/XX/XXXX, and XXXX reported it late in XX/XX/XXXX according to my credit reports from each bureau. 
I had my first 3-year lease with Ford that started in XX/XX/XXXX and I made all the monthly payments on time and then released another car in XX/XX/XXXX. My second lease with Ford is where the one-time-late payment occurred. I messed up and didn't update my banking information for the monthly payment to come out of the new account. When I closed the old account, I forgot to update and give the new account info through the automated system. I didn't realize the nonpayment occurred until I found out on my credit report that I was marked as " 30 days late ''. 
As of today 's date, XX/XX/XXXX, I have successfully paid off the 2nd lease in full and have not had another incident of a late payment since that last occurrence. The last payment was processed on XX/XX/XXXX. I would typically make a $ XXXX  monthly payment which was more than the assigned amount of {$420.00} per month.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CO)

PayPal security is blocking the use of my PayPal Credit/Synchrony account with vendor XXXX. 

PayPal Security was able to *assume* a security risk preventing use of PayPal Credit/Synchrony account. PayPal security was unable to explain any *risk* blocking the use of this account after conversing with three representatives in the past 24 hours. XXXX, PayPal Security Supervisor, was forced to acknowledge PayPal 's failure to serve my needs this morning on a recorded line. 

PayPal Credit/Synchrony has approved many successful transactions in the past month as there exists NO ISSUE WITH MY ACCOUNT OF ANY KIND. Meanwhile, PayPal can not explain its denial of my right to do business with XXXX. This is financial discrimination and a violation of my basic consumer rights.