davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Greetings to Everyone. There's been two Fraudulent loans from XXXX XXXX on TransUnion report. I never applied or authorized such loans.I ' ve filed a Federal Trade Commission Identity Theft Report clearly stating the theft. As a victim of identity theft, transUnion failed to clear this falsified account and theft account that I have no connection to ever. Now, XXXX and XXXX has honored the Federal Trade Commission report thoroughly. TransUnion remains the only agency not comprehending the severity of this matter, which is effecting my entire family. TransUnion lack of responsible leadership in there fraud unit, lack understanding of victimized people of theft and lack understanding the laws of the FCRA governing credit reporting. Punitive and compensatory damages will be leveled against TransUnion for there severity of neglect for a victim of fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX Inquiry Date XX/XX/year>.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (PA)

Requesting method of verification who did you speak with, what are the methods used, where is your proof show me that your verification method was complete accurate and verifiable XXXX XXXX  Account number XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a customer of Bank of America over 6 years and I had a credit card with them with card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went in sever XXXX state and was hospitalized till XX/XX/XXXX. 
When I got back I saw my two credit card were maxed out and two other were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

my name is XXXX XXXX and my social security number is XXXX my bank of america checking account number is XXXX this information will help the bank to identify the issue. i filed this to cfpb last year and in response bank want me to call them. when i did, they cant locate my account. in the mean time i get XX/XX/XXXXto XXXX due to immigration issues. 

the case is that in the above mentioned checking account, there are 2 withdrawls made in the branch. which i never went to branch. i have a habit not to visit a teller due to a robbery happened with me in the past. so i never do any withdrawl in the bank. the two withdrawls are ( i ) : {$4000.00} posted on XX/XX/XXXX and the confirmation number is XXXX ( ii ) : {$3000.00} posted on XX/XX/XXXX and the confirmation number is XXXX i am disputing these 2 transactions and bank need to provide me applicable forms etc etc which they are not. following is my new mailing address. kindly help, i need my funds back. thank you sincerly, god bless XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (VA)

We inherited a house when my mother passed in XXXX, 2019. Unknown to us, Mom had a reverse mortgage on the property. Less than 30 days later, we get a letter that they will be foreclosing in 30 days. We followed their guidelines and listed the house on XXXX. The house sold. Through numerous phone calls celink was informed of the sales contract and said all was fine. When the closing company asked for the loan payoff, it took celink 12 days to provide the payoff amount. While the closing company processed the figures, celink started foreclosure on the property. Now the closing is delayed again, and celink wants attorney fees. How unethical can they get? How many more hoops do they want us to jump through? Worst financial experience in many years.
Consumer complaint received 2020-01-30
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: Experian Information Solutions Inc. (CA)

The credit union, XXXX XXXX did not process my automatic payments properly due to their system having been changed several times. My payment history does not show ever being more than 30 days late on any account on my credit report. It is extremely burdensome for me to prove that the credit union made the mistakes of not applying the payments properly.
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (PA)

HunterWarfield ( XXXX ) XXXX FLORIDA XXXX No Transcript Available. 

VOICEMAILXXXXXX/XX/2019 Keep calling me and asking for another person who does not live here and do not know. This started on home phone and migrating to our cell phones. 
I have contacted them they are rude. I asked for a supervisor and get stone walled. 
Have insisted they remove my number after answering a phone call, they insist on wanting my personal information to remove my numbers. 
I told them I do not give out that information since they called me and should have my number. 
I want this company stopped they are exceedingly unprofessional. 
Us robo callers that you have to press a digit on the phone then they start this investigation into wanting info. As far as I am concerned I have not debt that they need to look into or look up my name to see if I have any. 
I have my utilities, home mortgage, and car loan. All paid in full and current.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I has Progressive XXXX and a few months into my policy they doubled my rates so I called and cancelled my insurance because I could not afford it. They continued to bill me after cancelling. I called and told them I cancelled 2 months before. They told me I needed to show proof I had other ins at the time I cancelled, but they did not say that on the phone the day I cancelled. It took me about a week of shopping around to find other ins. They refused to cancel and sent me to a collection agency. I explained to the collection agency that Progressive continued to bill me even after I cancelled and the lady as extremely rude and continued to repeat " how do you want to pay for this ''. I finally just hung up. I called back and asked for the purchase agreement or any information they have and aside from the first bill they sent me in the mail they have never sent me anything else. It should be illegal for a company to continue to charge you after you cancel with them.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019, my car was broken into and my wallet stolen with all my credit cards, including my Capital One Credit Card. I immediately filed a police report and either reported all my cards stolen or locked them. In the case of the Capital One card, I locked it. 

With the card still locked, on XX/XX/2019, someone used it to get {$200.00} cash advance. On XX/XX/2019, someone used it to get another {$200.00} cash advance, then spent {$2500.00} and the XXXX XXXX in XXXX XXXX XXXX, XXXX, then {$4300.00} and {$5600.00} at the XXXX XXXX XXXX XXXX, all using the chip on the card. 

I called Capital One to report the fraud, and over the next several days, over {$100000.00} more was attempted to be spent on the card. After speaking with Capital One again, they assured me their fraud department would investigate and everything would be fine. However, several weeks later, the multiple cash back transactions and the three charges at the XXXX XXXX for {$12000.00} remained on my balance. I called again, and again they told me they would investigate. 

In XX/XX/2019, Capital One began attempting to pull money from my checking account directly to pay the balance. This is unacceptable as there should have been an open fraud investigation into the matter. During this investigation I have continued to hold this high balance on my card, earned interest on it, and have been taking a big hit to my credit score. 

After several more phone calls with Capital One, it seems they are intending to determine that I am responsible for the charges made on my stolen card because they can't prove the card was stolen, despite my providing them the police report from XX/XX/2019 stating my car window was smashed and my wallet was stolen. Further, they are refusing to provide me with any information/documentation as to how they came to this conclusion, nor have they mailed me any paperwork to document any of my claims or phone calls during this process. 

My card was stolen and used without my permission. Capital One has stonewalled me at every turn in resolving this issue. I can't be held liable for money I didn't spend. 

Documentation : police case # Statement showing fraudulent charges
Consumer complaint received 2020-01-30
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: Simon's Agency, Inc. (PA)

i was reviewing my credit report and i realize that i have those collections from ( SIMON 'S AGENCY INC. amount of {$1200.00}. XXXX XXXX XXXX. amount of {$210.00}. XXXX XXXX XXXX, amount of {$25000.00} i don't recognize those accounts. i disputed this accounts twice and i requesting the removal of this account that is not belong to me.
Consumer complaint received 2020-01-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Bayview Loan Servicing is trying to take advantage of their customers. I went for a loan modification & was origionally denied. I appealed it & still was denied until I spoke with someone who has helped me get a modification. The only problem is that the modification is really not a modification but only 1/4 of a point off. Instead of saving at least {$200.00}. - $ XXXX.a month, they only gave me {$100.00}. a month witch does not help much. Then, on top of that, they want to raise the APR by 1 % every year after the 5 year period for 5 years.That is NOT how a modification works. That is not saving me anything. It is a big fraud modification. All they have is excuses when I call them. I will Not pay {$200.00} extra a month for 13 years, just for " saving '' me {$100.00}. a moth for 5 years. 
I hope this problem can be resolved. 

XXXX XXXX
Consumer complaint received 2020-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX XXXX-NOT MINE PLEASE DELETE,
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (FL)

On XXXX XXXX I purchased a XXXX XXXX XXXX  which was a lease prior to leasing this vehicle I had a XXXX  XXXX  that I traded in for the XXXX  in XXXX when I turned in the XXXX  I was over in miles because I had to wait to get the XXXX  so the sales rep told me not to worry about the miles he would take care of the miles.but later in XXXX when my XXXX  lease was up I discovered that the miles had not been Pais an it was in my credit. So I contacted the sales rep an he pretty much told me that the was nothing he could do so at this time my lease was gon na be up XX/XX/XXXX so I had contacted Mercedez financial to give them my purchase order because the car that I order back in XXXX of XXXX still had not arrived they did not allow me to make an extension I called them almost everyday trying to fix this problem because I needed a extension I've never been late on not one payment they would not do anything to grant me a extension So on XX/XX/XXXX I received a letter dated XX/XX/XXXX stated I ad ten days to turn the car in purchase the car or give them a purchase order. so by the time I received the letter the next day they came to get the car an they never gave me time to turn the car in I asked them why did it take 16 days for mr to get a letter that gave me 10 days to turn the car in I never got a chance to turn the car in but I had already given them a purchase order but they would not help me.if I would of turned the car in I would not had these fees this is affecting my credit. lve contacted them to ask them to remove the fees they want I told them its not fare for me to have to pay these fees when XXXX  XXXX   delivered the paper 16 days from when they dated the letter they told me I have to take it up with XXXX  XXXX when I called XXXX  XXXX  an gave them the tracking number said that they received the package on XXXX XXXX not XXXX XXXX so that explained why received the letter on XXXX I have attached a copy of the letter as well as the tracking number .Please assist me with this issue Mercedez contact number XXXX purchase order number XXXX my contact number XXXX name on lease XXXX XXXX
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AR)

During XXXX and XXXX, i went through a financial crisis due to loss of job and missed several of my loan payments. My last late payment was on XX/XX/XXXX qnd since then, i have made every payment on time. I have requested Ally to remove these negative remarks in good faith since It was a specific situation why i was late and not due to lack of interest or responsibility. My 2 requests have been denied.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX XXXX Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (TX)

I missed 1 payment back in 2018 and have sense paid off the entire balance with interest. I had called and asked the company for a good will removal of the late payment and cited fcra guidelines that would enable me to remove the derogatory information being reported, and the representative closed my account without offering a solution which has sense hurt my credit score in a negative way
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (OR)

I had a Washington Mutual credit card with a {$2000.00} limit. When Chase Financial bought out Washington Mutual Chase Financial refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted XXXX XXXX to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the XXXX XXXX put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through Chase Financial. XXXX XXXX XX/XX/XXXXpicked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. XXXX XXXX does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XX/XX/XXXX has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to  clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

On XX/XX/20 a letter was sent to me in regards to an alleged debt for the amount of {$260.00}. Today XX/XX/2020 it was reported to all 3 collection bureaus without being validated nor giving me time to even respond. The letter just was put into my mailbox on yesterday. This company is violating my rights and has failed to send me proof validating this debt. I have sent a debt validation notice which I am sure they havent received being I was just given this letter just yesterday on XX/XX/2020.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
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/XXXX XX/XX/XXXX 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (FL)

I am having an issue with car hop/ universal aceptance. I have called the number but no one can find my accounts. My account that they say i havent paid keeps getting sold. Why are they still reporting on my credit after 7 and 9 year??? These items were open in XX/XX/XXXX and XX/XX/XXXX. Per regulations i seen with fair credit it should be off. Even though the company has sold the account these are old accounts!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (AL)

In XXXX or XXXX my wife and I went to XXXX Fl and was required to sit in on a timeshare presentation. At the end we sat down with an individual from the presentation who talked to us about a vacation timeshare who also advised we had 90 days to cancel if we decided it was not for us. We did make a payment but we also canceled within the 90 days. Sometime later when we decided to purchase a home this appeared on my credit and has been growing ever sense. I do not owe any amount on this because I canceled within the time I was told. This has ruined my credit and I did take the steps to delete this from all three credit Burroughs but they did not delete it. I want this deleted forever from all three Burroughs. My wife has spoken to Monterey Financial and explained all of this more than once, she also recorded the conversation that included them verifying that we must pay in full and cant use the package until paid in full, as well as other ppl are paying this same package so my wife said that is double dipping and illegal! She recorded this information so that it can be handed over to a lawyer if this is not resolved before hand in an easier manner. The amount was first around 4900. But has more than doubled since the beginning. XXXX XXXX  was the timeshare company and Monterey Financial is the one reporting to my credit, XXXX