davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
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: Experian Information Solutions Inc. (NV)

Experian, XXXX, XXXX  want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I bought a {$1900.00} ring at a XXXX XXXX XXXX with their sponsored XXXX   credit card. I noticed the store charged me incorrectly so I took back the purchase and returned it and then recharged the card for the purchase. It's been a month and the XXXX  card company still hasn't refunded the original {$1900.00} purchase and they keep saying they are investigating for a month now when a three minute phone call to the store would solve the issue. Furthermore, I set up a payment of XXXX dollars to pay what I should owe, and they somehow took XXXX from my bank account without my authorization! Now they won't let me delete my bank account in order to wait until they fix the amount owed and therefore the payments. This is XXXX dollars I do not owe and an unauthorized payment increase! Please help!
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an " update ''. Clearly they can not bring themselves to say " outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending " update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2.  XX/XX/XXXX 3. XX/XX/XXXX
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been trying to freeze my credit at Equifax for several weeks but no matter when I tried or how many times I tried, their system acknowledges it has my account but as soon as I try to start a credit freeze, it states " We are temporarily unable to complete this request please try again later '' I tried to phone but my hearing is bad and the people answering the phone have foreign ( XXXX? ) accents and there is no way to " chat '' for people with hearing problems. 

Of course, I am not the only one that has problems with Equifax. When searching with the error code I found at https XXXX XXXX that over a thousand people  have horrible problems with this company and a 1 star rating based on the last 94 ratings.

I had no problem at all at XXXX   and XXXXXXXX doing the same thing! 

As far as this company standard answer is concerned to " send copies of valid driver 's license, social security card, 1099 form by US mail '' this is a very unsafe way to have someone note the address and open that letter to steal your identity! 

Why is their support based in XXXX and not the XXXX? That is very unsafe. No wonder they had the massive security breach last year.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (GA)

I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and XXXX XXXX XXXX for the account number XXXX, notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (WA)

My account with XXXX was closed without any negative reason for closing. 

After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. 

Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. 

Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018- 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
Consumer complaint received 2019-02-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. 

My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. 

Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! 

The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. 

I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. 

The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. 

After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills. 

I need GM Financial to close my account and take steps to fix my credit score urgently.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are two accounts XXXX XXXX XXXX and a medical collections,  both have been charged off years ago, yet both keep affecting my credit every month and shows a renewal of collection opened every month. This should not be negatively affecting my credit as a new debt every single month. For example XXXX XXXX XXXX reflects XX/XX/2019 as renewal open date, this is not accurate. This needs to be fixed.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) has been playing cat and mouse to close my account and complete my Trustee to Trustee Transfer. It has been over a month since I have sent my request and they haven't been able to close my XXXX  account and complete my Trustee to Trustee transfer. They also charged me {$66.00} on a single day ( XX/XX/2019 ) and still has not closed my account. I am losing money on an alternate investment. The company should be penalized for not being able to close an account on time and charging me a customer fee and lost opportunity cost on an alternate investment opportunity I would have made by now. 

T
Consumer complaint received 2023-07-03
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: Aqua Finance, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage was transferred to Select Portfolio Servicing ( SPS ) from XXXX on XX/XX/XXXX. When my loan was transferred, there were a lot of problems regarding the interest rate coupled with monies SPS suggested I owed, however SPS has yet to provide documentation for the amounts in question. 

I contacted Select Portfolio Servicing shortly after my loan was transferred and adv. that my interest rate was incorrect. XXXX offered a rewards program ( XXXX XXXX XXXX XXXX ). Details below. 

XXXX XXXX XXXX XXXX program provides you with the opportunity to lower your interest rate. After a customer makes 12 consecutive months of on-time payments, the interest rate is reduced by one quarter of one percent ( .25 % ) each year. This rate reduction is available up to 12 times, which means that a customer can achieve up to a 3 percent rate reduction in a minimum of 12 years. This program applies only to closed-end real estate loans. The rate reduction is disclosed in your loan agreement ( not including all states and for all loan programs ). 

I made timely payments for the first 2 years thereby my interest rate should have been reduced from 11.2 % to 10.7 %. 

I submitted a copy of the XXXX loan documentation to SPS. Although SPS has yet to provide documentation regarding the outstanding amounts, it was suggested that the interest rate inquiry was resolved. 

While speaking with a representative on XX/XX/XXXX, she suggested that the effective interest rate on my account was 11.20 %. This was extremely disheartening. 

Indubitably, I am writing to file a formal grievance against SPS for not honoring the terms and conditions of my mortgage contract.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (TX)

I am filing this complaint because I was charged fees that I didnt agree to. Also, the car sales person who helped me with my car loan lied. I went to the XXXX XXXX Volkswagen dealership in XXXX TX with an approval from my bank. The sales person who assisted me at the time then advised after speaking with the loan officer that I wouldnt be able to use my bank loan, but they were able to finance me. I had a car at the time that I had less than a year left to pay on they then advised me that I would have to turn in my current car in order to be approved. In the end I signed a four-year lease with Volkswagen in 2012. And I traded in my current vehicle for the lease. After leaving the car dealership I had a bad feeling about the deal. I called my bank the next day and asked them was I not approved for the price of the car and was I required to trade in my current car. The bank rep advised that they approved me for the new car with the current car that I had. And they were aware that I was currently paying off a car loan. I then contacted XXXX XXXX Volkswagen and advised them what my bank stated, and I wanted to bring the car back and get my car that I traded in from them. They advised that I couldnt do that once I drove off the lot. A few hours later the manager called me because of my concerns and he then to advised me that they couldnt take the car back. And then I just dropped it and was very unhappy about the whole ordeal but took it as a lesson learned because I didnt have a greater understanding of what could be done to undo thing. Once it was time to turn the car in after the four-year lease I tried to obtain a loan for the car because he was only {$8000.00} more left to pay on the car. Volkswagen finical stated they couldnt approve me for the loan and I had to return the car. Once I returned the car it had normal wear and tear but was in good condition. However, once I received my end of loan bill it was over 10,000 because of damages as well as mileage overages. I contacted them right away because when I review the paper work the loan officer had me sign from that day it didnt include anything regarding mileage overages. Ive called several times to customer care they advised there is nothing they could do, and I owe the money. Im willing to provide as much information as needed but there is no way that I owe fees for things I did not agree to and damages I did not cause.
Consumer complaint received 2023-03-02
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. (GA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CO)

On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. 

It indicated an amount due of {$4700.00}. 

I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. 

I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. 

They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (SC)

I received a voicemail from a Mr. XXXX / XXXX on XX/XX/2019 to call him back, however, he did not leave his name on that call only a number. I did return is his call to a number XXXX ( which I recorded the phone call ), the return call was to see if this was a legitimate call or not. However, Mr. XXXX/ XXXX was only interested in gathering personal information which is a violation of the Gramm-Leach-Bliley Act. I have received no written communications from his so-called " business '' and I do not have any bad debts. I asked Mr. XXXX/ XXXX several times on what this was concerning, however, all intentions were to gain personal information from me. Mr. XXXX/  XXXX using my full name as well as not giving me any details of the nature of the call or so-called " debt ''. Mr. XXXX/ XXXX only seemed in trying to gather personal information from me. As you will hear on the recording he said : " I speak clear English '' in order to gain my trust in giving him personal information. Just because he " speaks clear English '' does not automatically mean he is not violating my rights ( he is using deceptive tactics to try to deceive me ). Luckly I did not fall for it. After I called him out on being a scam he ended the call. I have attached the recording of the call in the next section.
Consumer complaint received 2019-02-08
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: Experian Information Solutions Inc. (MN)

I am a victim of ID Theft and have been in contact with Experian for the past couple years regarding my credit report. Before I get into the fraud accounts in my credit report, I would like to state that I placed a security freeze on my report a while ago and Experian let " XXXX XXXX XXXX '' XX/XX/XXXX, hard inquire on my report when I it was supposed to been frozen and I did not lift it or ask it to be lifted. That is an improper sharing of my credit report without my permission an is a major breach on Experian 's part, they need to investigate how this happened, make sure my information was not comprised with this and remove this inquiry on the report. 

There are fraud items on my report that are negatively impacting my ability to get credit or even rent a apartment or house. I did not authorize this accounts and have sent countless letters to the creditors which told me to dispute it with the credit bureaus. Experian stated that the reason there not removing this creditors from my report is because the creditors they say provided that those accounts are associated with name, date of birth and social security number, but what I keep telling Experian and the creditors is that was because of ID Theft, they have my personal information but I did not open those accounts. I sent police report, returned back affidavits and it's still on my report. 

- XXXX XXXX XXXX, XXXXXXXXXXXXXX,XX/XX/XXXX.

- XXXX  XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

- XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX - XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

-XXXX XXXX   XXXX, XXXXXXXXXXXXXXX, XX/XX/XXXX, Note : this is just been added to my report this week and is not mine.