davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax Information Services LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax Information Services LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

I have been getting notifications through text messaging on my personal cell phone about purchases that are trying to be made and how I'm missing $ XXXX..i talk to the card company and they said it was going to be investigated and they told me that since they can't provide me legal documents concerning my account with them through the us mail, that they would email me my documents and i have received nothing not even an update on possible fraud.
Consumer complaint received 2019-04-05
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. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and XXXX is reporting {$740.00}.
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (KY)

The company submitted a response that I am unable to contest to the submitted complaint below My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report. 

I am not satisfied with this response. This " gap waiver '' they are claiming was neither discussed or signed by me. As it was explained and required by law, I paid for the gap policy and they are required to follow through with payment of the rest of the loan. It is not on the condition I never have a late payment or extension over the loan. The company will either resolve my debt or I will take the next step legally for fraud.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX XXXX.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting a student loan on my credit report that they have not properly verified yet they are reporting this information as accurate. 
I am asking TransUnion to properly verify this information properly by speaking to someone at the XXXX business, give me the name and identification number of whom they spoke with, the date and time that they spoke with a human, and the information that was given to them. I have spoken to XXXX and was told that they have never spoken to TransUnion, so I am not sure how TransUnion is reporting this information. 
Also, TransUnion is decreasing my score because it states that the balance on the XXXX account is increasing thus I must have been late on payments or not making payments. Yet XXXX has NEVER reported to TransUnion that there have been late or missed payments. 
If TransUnion can not properly verify its information that is speaking with a live human being and getting the name and identification number, the time and date in which they spoke with such live human and the result of such call. Then they must delete this information from my credit report and stop giving me a derogatory score for information that they have not properly verified.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

Opened a dispute on XX/XX/XXXX with Citi Mastercard for concert tickets purchased through XXXX XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$470.00}. All information was sent to Citi on XX/XX/XXXX as requested. They issued a conditional credit to my account. Citi then requested I mail all information to them which was mailed on XX/XX/XXXX. In XXXX, XXXX XXXX XXXX XXXX repsonded to Citi MasterCard and they reversed the conditional credit. XXXX XXXX XXXX XXXX changed the seats on their receipt to reflect the mobile tickets. I responded back to Citi on XX/XX/XXXX as per their request with the same information that was sent on XX/XX/XXXX. On XX/XX/XXXX citi MasterCard notified me that XXXX XXXX XXXX XXXX   responded to my reply on XX/XX/XXXX and they would again issue a conditional credit. As of today XX/XX/XXXX they have not issued the credit. I spent about 2 hours on the telephone with Citi Mastercard on XX/XX/XXXX and got absolutely no where. The concert tickets received from XXXX XXXX XXXX XXXX are different seats than what I agreed to purchase over the telephone. The proof of purchase was sent to Citi to show the discrepancy. I have called Citi Mastercard multiple times to get a different answer each call. On XX/XX/XXXX I realized I no longer had access to the mobile concert tickets purchased from XXXX XXXX XXXX XXXX. This information was also called and emailed to Citi. The concert is XX/XX/XXXX. This dispute has been going on for 105 days. I have sent proof to Citi Mastercard that what I agreed to and purchased over the telephone is different than what I received. I just want a refund!!!
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The following Credit Reporting company below was contacted : Equifax, XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX ( XXXX ) XXXX The 1st letter was sent to Equifax company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed document with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( XXXX vs XXXX [ Equifax ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response! 

Please see the attach documents for more detail information.
Consumer complaint received 2019-03-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. 

They claim the documents and loan originated from an IP address that is not in service anywhere near where I live and work.
Consumer complaint received 2019-03-15
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: AES/PHEAA (TX)

XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus.

90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX Service Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX service placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.
Consumer complaint received 2019-04-05
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: Clarity Services (IL)

I received an updated copy of my credit report and observed a credit inquiry on XXXX XXXX from clarity services inc.clarity services inc has not given me written documented proof I consented to these hard inquiries as required per section XXXX and section XXXX of the federal credit reporting act and proof of accuracy of inquiries as required per section XXXX of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Filed a claim with companies Loss Drafts Department. After 18 month we did not receive payment. 

XX/XX/XXXX Faxed requested paperwork to company ( copy of endorsed check, copy of invoice, letter requesting payment ) Company advised us to check back in 24 to 48 hours to see if claim is processed. XX/XX/XXXX Called to follow up, company informed us there was a mistake in our paperwork and it needed to be corrected. Company never bothered to inform us there was a mistake and just sat on the paperwork for days. Spoke with a supervisor who told us we would have a check " in our hands in 2 days ''.

We corrected the mistake. Tried to upload papers to company. It would not upload.Faxed the corrected paperwork to the company. Also overnighted paperwork to company.

XX/XX/XXXX Did not receive a check. Called company, was told it would take 6 business days ( from XX/XX/XXXX ) and we would have our check.

XX/XX/XXXX Still no check. Called company was told it was sent regular mail and would take 6 to 10 business days. Then they mentioned the amount of the check which was not the amount we were owed.

XX/XX/XXXX  Still no check.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc. (HI)

I received a copy of a judement from my escrow company that I didn't know about it was dated back in XXXX. Talked to a XXXX XXXX on XX/XX/XXXX regarding this judgment an my willingness to pay so I can move forward and have this cleared. He stated once they received payment he would issue a document of Statement and Release and have this recorded with your court system. I asked for a recordable document so my escrow company could have it recorded. Ref. # XXXX Judgement doc # XXXX. Amt of judgement is for {$1600.00}. A payment in the amt of {$1600.00} check # XXXX was paid to Atlantic Credit and Finance on XX/XX/XXXX. They received it on Monday XX/XX/XXXX as I had it certified and return receipt. The check cleared my bank on XX/XX/XXXX. I've since made several calls to Atlantic Credit and Finance only to be put on hold or transferred several times. I've called daily and when I did speak to XXXX XXXX said that he sees a payment was made but had to confer with their legal department and compare notes and on Monday XX/XX/XXXX I finally talked to XXXX XXXX who stated that my account was sold and he didn't know who cashed my check and that he was blocked from contacting or discussing further, said more money was owed.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Huntington bank closed my account because of a dispute that was resolved in 2017. They would not give me a reason why they closed my account and they wont let me reopen an account with them when i don't owe them any money.
Consumer complaint received 2019-03-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

The following is in response to XXXX XXXX XXXX  ( XXXX ) response ( XXXX  ) dated datedXX/XX/XXXX and Beneficial 's response ( XX/XX/XXXX) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of XXXX XXXX  and Beneficials fraudulent activity and misrepresentation. First, both XXXX and Beneficial assert the property address associated with the alleged note and mortgage as XXXX XXXX, XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX XXXXg, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX  ( XX/XX/XXXX ), XXXX  (XX/XX/XXXX) and XXXX  ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX  ( XXXX  ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX  ( XX/XX/XXXX). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation XXXX  and Beneficial continue to perpetrate. XXXX ( AKA XXXX XXXX XXXX XXXX  ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to DJL, XXXX continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX  and XXXX defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Consumer complaint received 2019-03-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Today, XX/XX/2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website.

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.
Consumer complaint received 2019-03-12
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. (IN)

Account # XXXX Experian has failed repeatedly to follow FCRA compliance. On XXXX XXXX,2019  I mailed a dispute to experian through certified mail, notarized and return receipt and requested. 

This was a third request in which experian basically gave a XXXX you to me the consumer and to FCRA policy, for this to be a third request and Experian continues to do so means this is wilful. 


Please see letter experian cs The following information is what can be tracked via usps to prove such : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Please see letter experian XXXX In bold red at the bottom of the Letter, it states the following : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Please see letter experian cs instead of following what was requested under my rights of the FCRA Experian opened another dispute which gives them 30 days to XXXX me over again, instead of the 15 as requested and required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 


Attached is a copy of the letter sent dated XX/XX/XXXX and a screenshot of the dispute, that was opened.