davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
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)

I have requested an investigation into a Bankruptcy on my credit report under my Social Security Number with Experian, which they have only reported on the investigation as accurate without any further information in XX/XX/2020. I have subsequently written to them requesting to provide detailed information on the source of the report, and their method of investigation as per my FCRA rights, which they have once again refused and have claimed the information was obtained from bulk information purchased. 
Then I provided them with a hard copy of the California Bankruptcy Court response to me on XX/XX/2020 verifying they DO NOT provide Experian and other credit agencies with any Bankruptcy report nor the verify any investigation, and yet they have ignored the court response and have not responded in last 4 months.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/2020, Truist XXXX XXXX XXXX ( headquartered in XXXX, North Carolina ) harassed me over the phone and by email regarding a joint checking account I owned with my adult son, XXXX XXXX. XXXX was rude, badgering, insistent, and in the end, threatened my job. I answered all questions asked including whether or not I kept cash lying around the house ( which was beyond all bounds of reasonable inquiry or decency ). Both XXXX and Truist refused to tell me what policy, regulation, guideline or law XXXX thought I may have violated that caused his investigation, even though both I and my lawyer asked repeatedly. I raised the issue of possible gender and/or race discrimination, as I was also a Truist / XXXX XXXX XXXX employee and no other or reasonable explanation for XXXX 's harassment seemed to fit. Just before XXXX, in XX/XX/2020, Truist / XXXX XXXX XXXX fired me and shortly thereafter Truist shut down all my accounts. I've never received any kind of reasonable explanation for any of XXXX 's harassment, e-stalking, or my being fired and having my accounts closed down.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.
Consumer complaint received 2021-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute transunion ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (SC)

During pandemic all of the banks which I am struggling to pay actually worked with me to make adjustments to secure my credit rating and help lower rate in order for me to get my financing in control. The following bank I have notified several time their only concerns are their own. We the American people gave them a bail out when they had problems and it seem as if they have forgotten that. 

I sent emails to the CEO XXXX XXXX, XXXX and XXXX XX/XX/XXXX. I simply asked for adjustments of late charges and interest for the past yr. Ms XXXX XXXX did have a representative contact me ; however the representative assured me there was nothing that could be done unless I caught up all arrears on accounts. I am only able to pay minimum monthly to maintain my credit. Please see attachements
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I am writing to the CFPB once again about Rise. I was promised than once my charged-off account was reversed I would only owe the amount of interest accumulated before the charging off and also the principal. However, once the charge-off was reversed the interest began accumulating once again. This was contrary to what was promised to me. The account information online also does not contain any of the documents made between Rise and I, and the information provided is not accurate regarding amount owed.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (CA)

It's been about six months since my first letter went out to Experian. Simple letter asking to update my phone number, employment information, and i noticed a few accounts that did not belong to me.

With over fifty letters sent to Experian which i am happy to send, this investigation has gone on for over six months. The accounts that do not belong to me and do not have my name or phone number or information on are still being reported by Experian.

I have the letter 's i sent to Experian explaining how each account is flawed and must be removed because of Experian 's continuous breaking of the law.

Experian has violated the FCRA, FCDPA, TILA, and FDPA. I have the documentation from Experian to verify this information. 

From XXXX XXXX to XXXX XXXX without any resolution. The investigation results keep coming back as " verified as accurate '' without any of the legal documentation i requested. How can you repeat an investigation over 50 times without conducting an outside investigation like the FCRA requests?

Section 314 of FCRA demands credit bureaus to provide a signed contract with my name and signature along with account detail in order to deem the account as verified.

Experian has been playing games with my personal information for over six months and i'm going to use the law to put an end to this none-sense.

I have every tracking number from XXXX until today saved, i have every response from Experian saved from XXXX building my case stronger and stronger. 


Experian you cant break the law and get away with it, i demand you remove these accounts this instant you are conducting a fraudulent investigation and you clearly have no club what you are doing. 

If you had a clue what you were doing you would realize the damages you have done to me in the past six months. 

Your reporting issues have cost me my dream house. Experian you will pay {$1000.00} fine for each account being reported incorrectly. Every account must be 100 % accurate to report, and these accounts are NOT accurate and do NOT belong to me, delete them now.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

I fell behind on my mortgage XX/XX/XXXX and applied for hardship relief with Fay Servicing on XX/XX/XXXX. I was denied assistance by Fay due to " not having sufficient income '' or because " the target payment could not be reached ''. When asked what the income was that Fay calculated to make that decision, they said it was a limited review an they did not verify my income, they simply honored the income I listed on my application of {$3000.00}. If my mortgage payment is less then a 1/3 of my income, how is there nothing Fay can do? 

This covid19 global pandemic has caused me to fall behind and now Fay is saying I must reinstate or move out of my home. The audacity of forcing someone who has income to pay, out of their home is absurd. These financial institutions continue to take advantage of us middle class people. I showed Fay that after my mortgage and all expenses were paid, I still have some money leftover. I have been wrongfully denied and there should be a lawsuit against Fay for wrong doing during a global pandemic. I have attached the same documents that Fay used to determine I don't qualify for assistance to further support that I have demonstrated a good financial situation allowing me to resume my payment. They would rather foreclose on me than to take my monthly payments again.
Consumer complaint received 2021-03-31
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. (IN)

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX
Consumer complaint received 2021-03-30
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: ID Analytics, Inc. (NY)

SageStream, XXXX, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, DMV Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NETWORK CAPITAL FUNDING CORP (CA)

My mom and I received credit monitoring alerts that an inquiries were made on XX/XX/2021 by XXXX ( https : XXXX  ). I contacted Network Capital to investigate why and how they did this. I discovered that my father contacted Network Capital and lied, saying he was helping his ex-wife ( my mom ) and daughter ( me ) to get a refinance done. He provided Network Capital our personal information and they made inquiries without attempting to contact either of us to get permission. We asked Network Capital multiple times remove the inquiries on our credit reports because they was performed without permission and inquiries can reduce credit score. Network Capital refused to help, and made excuses that it's okay for my father to give permission to run our reports ( which is basically saying it is permissible for an ex-husband and father to give consent in financial situations for an ex-wife and adult daughter ). In their greed, Network Capital didn't bother getting my permission to make an inquiry. Shame on them. Don't work with this dishonest, biased company.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OK)

My name is XXXX XXXX and I have power attorney for XXXX XXXX. XXXX is in XXXX  in Florida XXXX. I opened an account for him with the help of a branch manager at chase bak in XXXX XXXX Oklahoma. After the account was opened I deposited XXXX stimulus check for him. I was able to withdraw XXXX and then chase locked his account. Closed it. And took the money. I have made several attempts to realize this on XXXX behalf including asking them to mail the refund to his XXXX trust account with the state of Florida. He has written several notarized letters to them. We ve also submitted a durable power of attorney to them. They owe him XXXX and refuse to give it to him
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I am a XXXX and XXXX XXXX service member in the United States XXXX. 

From XX/XX/XXXX through XX/XX/XXXX I lived in XXXX, New Mexico, while stationed at XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, a collection company named XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sent a letter to my parents house ( my military home of record ) saying that I owed {$150.00} relating to an unpaid service bill with XXXX XXXX XXXX XXXX They have sent several other communications since. 

I have never been a XXXX customer. While I lived in NM, my service provider was XXXX  ( I can provide receipts of payment to CenturyLink during this time ). 

I called the telephone number on the complaint to dispute the claim. I called XXXX. They said they couldnt help me and referred me to XXXX. I called XXXX in late XX/XX/XXXX, and they directed me to their fraud department. I submitted a fraud packet on XX/XX/XXXX in order to have the claim disputed. 

On Monday, XX/XX/XXXX my credit score dropped XXXX points due to this fraudulent collection. 

When I called XXXX to dispute this, they gave me some info about this account that I had never heard of : XXXX. The account was opened on XX/XX/XXXX. 
XXXX. It was closed/suspended on XX/XX/XXXX. 
XXXX. My address at the time was at a home in XXXX, NM XXXX. The address that this service opened at was an apartment complex for which I never lived and have absolutely no relationship with At this juncture, I want the fraudulent collection to cease and for my XXXXredit score to return to its pre-fraudulent collection status.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.
Consumer complaint received 2021-03-31
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. (LA)

I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in Chicago blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.
Consumer complaint received 2021-03-31
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. (LA)

I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in XXXX blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (FL)

One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX  by and through the law firm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, XXXX XXXX aXXXX XXXX XXXX XXXX served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX Supreme Court. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with National Credit Union Administration appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

THE BANK FINANCE MY CAR THAT WAS OVERVALUED AND FAIL TO CHECK THE REPORT FOR THE CAR. 
AND ADITIONAL, THE BANK DENIED A REFINANCE APPLCATION BECAUSE THE CAR IS NOW DEVALUATE OVER 50 % IN JUST TWO YEARS
Consumer complaint received 2021-04-02
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: Experian Information Solutions Inc. (OH)

Please see the attached document for reference to the facts of this case. Experian has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 6 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling over 12 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Experian.

Experian willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Experian, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Experian to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a checking account in XX/XX/2020. There was a bonus offer associated with this account of {$400.00}. Although I met all the requirements, the company CapitalOne did not give me the bonus. I have contacted them three times but they were unable to find the problem and credit the bonus.