davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NY)

My eppicard had expired, so I ordered a new one which I received.I 've been trying to activate the card since XX/XX/XXXX, by calling every day ( several times a day ) I get put on hold for hours and then the line hangs up.When I finally get to speak to a human being, I then get transferred, and get put on hold for hours and then get hanged up again.My money has been put in hold, I can't use the card was told that I have to speak to the fraud department, but I never get transferred to them.I need my child support money and this company doesn't seem to care, they just keep holding my money.Please help they are alot of other families having the same issue with Eppicard.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (TX)

I have been working with Helvey and associates about a debt, I was never told the bill was in collections, I also had to pull my only credit to see this was an issue. Once i found out I owed money i paid it. I asked the company to please removed the debt they were very rude, they told me i should pay my bills on time. 

I have already paid this debt the company will not provide any information for me, such as a receipt or a deletion letter.
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OK)

I have no idea what this debt is or whom is it with. I have tried to validate the debt and I still am not told whom the debt it with. The debt will be removed from me credit report. Then a month or two later it is placed on with a new starting date that starts the statute of limitations over ... .on a debt I know NOTHING of.

AFNI, INC.
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had listed that I was selling a complete sofa set on XXXX XXXX. A man reached out to me and stated he wanted to buy the set. He sent me a cashiers check of {$3000.00}. {$1200.00} for the set and {$1800.00} for the moving fees. He asked me if I could help pay the movers for him. So I said I would. The check cleared in the bank today and he wanted me to XXXX the moving company the {$1800.00} so that they can pick up the sofa set. I did so. Hours later he texted me that he had a emergency and couldnt buy the sofa. That he called the moving company and would like for me to return the money to him. At that point I was like something is not right. He continued to texted me saying he would send me another check so that I could send someone else money. Thats when I knew I just been had. And contacted my banks fraud department right away. I stated to them what happened and believe that the check is a fraud. But because the bank cleared it and put the funds in my account. I thought it was legit. My bank said that I was outta luck and could not do anything. They froze the check. Took back the entire {$3000.00} and Im out {$1800.00} which was what I had to pay my mortgage. Please is there any help I can get. I really thought I was doing the correct thing since the check cleared. Im so lost and hurt. Dont have to heart to tell my fianc I just lost out money. This all happened today. XXXX XXXX 2020.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I always have problems with experian when ever I attempt to obtain a credit report. 
They keep some erroneous addresses on file for me, which in the past I have told them to remove, and they use these to block my online access to my credit report. 

I sent them a written request and they followed up with a copy of my report. ( XX/XX/20 ) They also included a pre-filled Dispute Form, which included an incorrect Date of Birth.

Their record of my date of birth in the credit report was accurate, but they were 30 yrs out on the Dispute Form. ( Is this regarded as " Close enough '' ) Is it reasonable to expect a modicum of accuracy from Credit bureaus like experian, or can that basically put whatever data they like both in personal files and also on pre-printed forms? 

In my experience, there would appear to be a lack of attention to detail, but possibly they don't really care.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WA)

The lease for the vehicle ended on XX/XX/2020. In advance of that date XX/XX/2020 I sent a cashiers check foe {$19000.00} ( an amount given to me by Kia Motor Finance ) to Kia Motor Finance to purchase the car. They received the payment ( signed for it ) on XX/XX/XXXX and cashed the check 3 days later. I have not as yet received the title and whenever I call their customer service a recording says they are busy and to call back at a later time. Twice in over 30 attempts have I been able to talk to a person. The last time XX/XX/XXXX, I was told everything was in order and that person would contact the title department to forward the title to me. It is now the XXXX of XXXX and the title has not been received and I can not get through to customer service person to get an update. I leased the vehicle through XXXX XXXX XXXX in XXXX Washington however they have informed me they can not assist in this matter because it is between me and Kia Motor Finance. It seems unusual to me they can not assist in that they processed the lease with KMF and served as their agent when processing the lease. All I'm trying to do is get the title for which I paid {$19000.00}. My lease payment record with KMF is excellent. Any help you could provide would b greatly appreciated.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (FL)

I checked my credit and saw a collection from credit collections USA for XXXX XXXX XXXX in the amount of {$430.00}. I never received any notice of dispute for this item, especially since I was homeless at the time of the service and made sure to make the clinic aware of no medical coverage. I have obtained a PT job and would like to pay {$200.00} to settle and delete this debt.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) Transunion error : " Record not found '' 2 ) XXXX error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion said that my first name is too short and so I need to hire a credit repair service. 

XXXX  said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Great American Finance Co (TX)

I am receiving numerous calls a day from this company, Great American Finance. I have sent them a request in writing by fax on XX/XX/2020 and XX/XX/2020 asking them to not call my job. My employer does not allow personal phone calls. They talk over me and threaten a law suit, or to call the payroll department at my job. The latest call to my job was from XXXX XXXX, who wouldn't even let me speak, she became very aggressive when I told her I have requested in writing twice to not be contacted at my job. 

The name and address is : Great American Finance Company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (FL)

This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX  report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.
Consumer complaint received 2020-09-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX car was purchased, XXXX car was stolen, Santander was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, Santander lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX has removed the loan from my credit report as well as XXXX  but XXXX  has yet to do so even with the evidence that it should be deleted permanently. Santander or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.
Consumer complaint received 2020-09-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (CO)

XXXX XXXX, XXXX was completing door to door solicitations in my XXXX XXXX neighborhood and claiming to partner/work with XXXX  XXXX XXXX. Not honest or straightforward. The two representatives claimed they just needed information to verify our utility bill wasnt late and that we haven't missed payments to qualify for no cost renewable energy. Submitted verification and got an instant notification of a hard credit inquiry from my XXXX account as well as a XXXX XXXX notice of an update to XXXX account as well!! The inquiry was from LoanPal without ANY consent or notice of credit being involved at all. 
I asked multiple times the costs and specifics but the two representatives danced around the questions and kept saying it was no cost trust us we work with the XXXX XXXX XXXX. They stated we would get rebates on overpaid electric bills, free XXXX thermostat, free LED lights for entire house duct sealants, etc. BUT missed the HUGE notice and required consent to pull credit! I did not verbally or in writing agree for this company to submit a credit pull to LoalPal especially for a {$100000.00} pre-approval. Even after I confronted them both about the XXXX notice, LoanPal preapprove email notice, and {$30000.00} agreement emailed via XXXX, they still stated it was no cost and to just simply sign the documents to get the engineer out to check our eligibility. They were adamant to simply trust them, they are good people, provided photos of badges, and pressured to just sign the emailed documents. 
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Consumer complaint received 2020-09-10
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. (CA)

I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I opened an account with Wellsfargo credit Last year in XXXX Or XXXX. I have an amazing credit history. I used that card specifically for my expenses in XXXX and to travel to XXXX. 
There is 2 issues here : 1. I have opened their Wellsfargo app and I DID setup the Automatic Payment after 2 - 3 weeks of receiving the card and the Wells Fargo app confirmed that it was set up correctly. 
2. I NEVER received an EMAIL or a MAIL that my bill is due. Note : The min i opened an investigation with them they started to send me MAIL but that was the only when I complained and reached out to their department. 

I setup an Automatic payment for the minimum amount due which was XXXX $ - XXXX $ how can someone who makes XXXX plus a year miss such an amount? 

This was on XX/XX/2019. I have screenshots from my credit showing that the payment was scheduled but it was never taken. 

I have tried to dispute using all credit Bureau but nothing was updated from the past 6 months NOTE : They May say that my address was changed and the letter was sent to the previous address. That is a LIE, the previous address is still my address as well and my parents and lease is under my name. No letters were received till I opened the investigation with them. 

After this complaint I will pursue a Legal lawsuit against them if they do not remove it.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

The creditor has the date the account opened wrong. I began owing a balance in XX/XX/XXXX, they have it starting in XX/XX/XXXX, then it states that it was first reported on XX/XX/XXXX. These dates are not accurate. I think this is an attempt to prolong the debt on my credit report. On XX/XX/XXXX I observed additional information not provided from this debtor on my credit report such as last reviewed and last time it was active. A week letter on XX/XX/XXXX I sent a certified letter to XXXX to request that information be added and debt information updated. On XX/XX/XXXX I received letter back from XXXX, with no changes or updates were made to the debt in question. On XX/XX/XXXX I ran a credit report again, which indeed confirmed no information had been changed or updated. 

Below I have attached my supporting documents.
Consumer complaint received 2023-02-12
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. (OK)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Medical Hardship : I suffered complete XXXX  XXXX  and was placed on XXXX XXXX  XXXX at the same time my partner lost his job due to Covid. I contacted the bank regarding this hardship and informed them of change in income and uncertainty of claim processing dates. As result of the change in income my account was over drafted and subsequently closed.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WI)

Reoccurring charge for {$15.00} to audible I did not authorize on XXXX and XXXX. PayPal is NOT available via phone at all. I reached out via chat and the only solution offered was to cancel my card. I am currently homeless so receiving mail is almost impossible if not difficult. What I wanted them to do was investigate the charges and validate.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

On XX/XX/2020 I sent in check # XXXX in the amount of {$690.00}, and clearly wrote on the check " Apply to Regular XX/XX/2020, payment on account # XXXX '', a second check # XXXX in the amount of {$3.00} and clearly marked on the check " Apply to overdue payment for account : XXXX '' a Third check # XXXX in the amount of {$700.00} and clearly marked on the check " Apply to PRINCIPAL ONLY for account : XXXX ''. I have attached the checks hereto. On the history, attached hereto, I marked in blue, they applied 2 regular payment and a principal payment of {$11.00}. They did not apply them as I sent them/marked them clearly. I called they said they could NOT transfer me to the department taking care of the payment : they do not have a number. That is absurd to me. I need the Principal payment of {$700.00} applied to the principal and NOT as a regular payment.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co (MI)

I am filing a complaint against this company because they are reporting this account on my credit report that was opened fraudulently in my name. This fraudulent account is preventing me from obtaining a home loan which I am currently under a purchase agreement contract that expires on XX/XX/2020. If this contract expires and I don't close on the loan by XX/XX/2020, my Earnest Money Deposit will be forfeited. I am hoping that it does not result to that because I can't afford to loose money especially during this pandemic. I am simply asking for this company to investigate this fraudulent account and have it removed from my credit report immediately and within a reasonable time. This is now my 3rd time trying to get this account resolved by this company. If this is not done in a timely manor and I am forced for forfeit my Earnest Money Deposit because this company didn't remove an account from my name that was opened due to identity fraud then I will be filing a lawsuit for negligent enablement of identity fraud and for the damages I have incurred. I have filed an identity theft report and requesting the removal of this fraudulent account from my credit report.
Consumer complaint received 2020-09-26
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. (TX)

when i reach out to experian and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (SC)

Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.
Consumer complaint received 2020-09-26
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: CITIBANK, N.A. (FL)

These accounts were created without my consent. I did not authorize any of these transactions. 

DSNB MACYS Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX  Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} XX/XX/XXXX