davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
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. (AZ)

XXXX, XXXX and Experian credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!
Consumer complaint received 2017-08-31
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: EQUIFAX, INC. (AZ)

XXXX, Equifax and XXXX credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please help!
Consumer complaint received 2019-02-22
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: Shellpoint Partners, LLC (TX)

On XX/XX/19 my mortgage company, XXXX XXXX, called me regarding a refinance offer that I qualified for. When I told the loan officer- XXXX XXXX , that I would like more information he said that he would put some scenarios together so that we can discuss further ideas. He never asked to run my credit or informed me that he would be conducting a credit inquiry as I would have declined that. On XX/XX/19 I get notified by my credit monitoring company that a hard inquiry has been made by XXXX XXXX XXXX. I contacted the loan officer and asked why the inquiry was made and he stated that I had approved the credit check, which is 100 % false. I requested his supervisors number- XXXX XXXX , left him a message to which he never called me back. I then called the loan officer again and requested upper management contact info and was given- XXXX XXXX XXXX When I called the direct line it was an incorrect number and when I asked the operator for Mr. XXXX XXXX 's number, I was told there is no such person working for the company.
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On the XXXX of XXXX I went to take money off my cash app card wasn't able to get the money off, I called a number on XXXX   thinking it was cash app customer service representative where I thought he was helping me get my account back on track but he ended up taking XXXX dollars out my cash app account and XXXX   out my wife XXXX XXXX XXXX account, and XXXX out her cash app account. Cash app sent a answer and questions list for their investigation. It shows where my original email was unlinked to the account. I sent in all information that was asked for the 45 days for the investigation was up on the XXXX of XXXX  not one email has been answered pertaining to my follow up emails.
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (WA)

My home was sold in XXXX 2017 after divorce and the proceeds were divided. There was a remaining balance of {$1100.00} in the escrow account with Franklin American Mortgage Company that was supposed to be refunded. When the check arrived, mailed X/X/17, it was written in both my name and the co-borrowers. I contacted the mortgage company to request that the escrow refund be split evenly and sent to each borrower separately, as this was how the proceeds from the home sale were divided in court orders. The customer service representative refused to help me. I explained that we no longer have a joint account, as we were divorced. I also explained that we are not in contact, as there were XXXX XXXX issues with the co-borrower. She told me I would need to figure it out, that the check had to be sent out to both of us as one unit and would not connect me with anyone who could help. I have a useless check, and FAMC has the money.
Consumer complaint received 2017-08-31
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: EQUIFAX, INC. (MS)

Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report
Consumer complaint received 2017-08-31
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: CORELOGIC INC (PA)

I obtained my annual credit report XXXX Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-31
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: AMERICAN EXPRESS COMPANY (CO)

I transferred a {$7000.00} balance from American Express to a credit card with my personal bank, XXXX. This was initiated on X/XX/2017. The balance did not appear on my statement for over a month, so my bank issued a stop payment and a new check. American Express stamped the check for deposit only on X/XX/2017. American Express says there was a stop payment issued on that check 8 DAYS AFTER CASHING. Not only is it not possible to reverse cashing of a check more than a week later, but my bank says they never issued a stop payment on this cashed check, check # XXXX. They issued a stop payment on the previous check sent which supposedly never made it to Amex because it was the wrong address. I have filed 4 disputes with Amex and had 4 conference calls with my bank representative and alternating Amex representatives. XXXX is now keeping me in regular communication with their Executive Client Relation Manager : XXXX XXXX. I have made over 30 calls to Amex and my bank each in the last 8 months. XXXX ( sp? ) in the Billing/Payment department at Amex was handling my case for a period of time recently, but again every time the dispute is investigated there is not much digging done and they come back saying the stop payment returned the check. I am now being held responsible for this balance with both institutions. My credit report is dropping rapidly since it shows I have 2 credit cards maxed out. I am also not capable of paying both of the minimums on these cards while they 're both showing the balance, so I have to not pay my Amex bill which will send me to collections and destroy the remaining credit score that I have. PLEASE, I AM DESPERATE FOR HELP.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX we noticed that my husbands card was being used out of state. We called PNC to lock the card and send a new one. I also requested a new one. 

On XX/XX/XXXX I attempted to use my card for a personal separate account at an ATM. My pin is no longer working. I tired to call PNC for assistance and they told me they could not help. However, this very same pin works just fine in accessing mobile banking and the automated system. 

Somehow, they have deactivated my cards and I no longer have access to our joint checking, or my personal checking account. 

As if XX/XX/XXXX my husbands card has not arrived, but mine has. However, I can not activate it and my personal checking account card is also not functional and on mobile banking they no longer show as valid. 

I am unable to go to a branch due to health issues and work hours, and I am locked out of my account with no way to pay bills or eat. We are forced to use a credit card to get by. PNC offers no assistance on the website, app, or over the phone. 

This needs to be fixed immediately. A new card needs to be sent overnight to my husband and PNC needs to send me new cards with the correct pin assigned overnight and help me regain access to my accounts. 

It has been over a week. We have waited long enough and tried to do things their way.
Consumer complaint received 2017-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.
Consumer complaint received 2017-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc (HI)

When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.
Consumer complaint received 2017-08-31
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. (TX)

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past six months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Consumer complaint received 2017-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Regional Adjustment Bureau, Incorporated (PA)

I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}
Consumer complaint received 2023-04-07
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. (PA)

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX Bank XXXX {$560.00} 3. XXXX XXXX Bank {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXX on the boul, 2. xXXXX  of a
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. 

I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. 

Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. 

In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. 
A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. 
An explanation and review of the policies leading to such actions against customers. 
I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. 

Regards,
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (NY)

On  XXXX   XXXX ,   XXXX  , I tried to add a " co-lessee '' named  XXXX   XXXX  to my loan and the  Mercedez-Benz Financial Services  denied such an opportunity. I was told that my co-lessee does not have a long enough credit history to obtain such loan. I think this is a non-sense. The bank should be very interested in adding a co-leaser because a co-lessee means is a secondary person. If  XXXX  forbid I default my co-lessee would be a secondary person who Bank could recover money from. With that being said, I will  ask Consumer Protection Agency t o intervene and ask why there are such discriminatory practices against a " co-lessee '' because the Bank has nothing to lose. I want the Bank to add co-lessee, or I will have no choice, but I will return the car back to dealer and I will dispute the charges assessed through the New  York City Civil c ourt.   Additionally, my potential co-lessee is a sucessful business, who had businesses in  XXXX  and  XXXX .It 's a shame tha t Maercedes-Benz denies h im to be a co-lessee.
Consumer complaint received 2017-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (CA)

The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your office.