davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FISERV INC. (NH)

Money Network is refusing to refund my account from unauthorized withdrawals from foreign countries. My account was hacked and I had numerous withdrawals from unknown sources with Internet addresses and out of country locations. I have never left the country nor do I use my personal account for online purchases anymore after I had an issues the first time " that I had to resolve on my own ''. I'm missing {$250.00} from the last incident from unauthorized withdrawals from XXXX, XXXX, and XXXX... In their paperwork along with the acknowledged dispute form, it states that if I didn't respond or send the dispute form back, they would resolve the issue with the information they had, which was everything they needed and nothing extra. However they denied it because I misplaced the forms and eventually found them again. I filled out my name and a yes or no question and sent it back as an appeal. Now they say they deny it due to recent similar transactions which is not accurate at all. I have attached everything imaginable for proof. Another issue is when make a payment to XXXX XXXX for credit card payments, it is instantly deducted from my checking account, but XXXX XXXX has sent me numerous returns on payments due to insufficient funds that NEVER went back into my bank account with Money Network " XXXX XXXX ''. I believe this company is stealing from its consumers and feel they should be thoroughly investigated and the consumers should be refunded for all unaccounted money misplacement and theft. I will never use this company again and never recommend anyone to use it either, they are absolutely horrible.
Consumer complaint received 2022-02-22
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. (NC)

XXXX XXXX XXXX XXXX XXXX has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from XXXX XXXX. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both Experian and XXXX XXXX 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information on my credit report.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have XXXX credit cards with Capital One. The cards are not showing up on the credit report as accurate. One of the cards is not showing up at all. And I am really trying to improve my credit score. The first card has had the wrong balance on the credit report for over 2 months!!!! And the second cars is not showing up at all!! 

They can not get away with the wrong information sent or not sent to all XXXX credit reporting agencies. 

I want this fixed NOW!!
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CT)

I noticed this company ECMC ( collection company ) reporting negatively on my credit report. I requested proof from them and I also disputed with the credit Bureaus at the same time. The have not sent me any proof of debt with them or any original creditor. They are not registered in the state of CT as a business domestic or foreign. I called the secretary of the state to find out the rights and they let me know. This company does n't have authorization to collect in CT. I 'm not sure who they are at all.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-09-26
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 (NJ)

On XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.
Consumer complaint received 2022-02-22
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)

I have been trying to remove these 2 accounts on my credit report this entire time and yet the bureaus will not remove them. They do not belong to me and should not be reporting on my account whatsoever. They should remove this information as it is impacting my scores and the ability for me to purchase a home. I've exhausted every avenue trying to get them to remove this false information on my report.
Consumer complaint received 2022-01-21
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: TRUIST FINANCIAL CORPORATION (FL)

We have an unauthorized charge on our card. After numerous 2 hour hold times to get a rep, entering a dispute we receive a letter telling us the charge is valid. We have never done business with the merchant, don't know who they are, and never authorized the charge. We call the number on the card again, and after 45 min on hold they tell us we have to call the accounts security dept - another 2-hour hold and we hung up. 
Transaction Type Debit Transaction Description XXXX XXXX XXXX XXXX Fl  XXXX Date Cleared XX/XX/XXXX Amount - {$9.00} FI Reference Number XXXX Next issue : Suntrust has had a problem delivering our statements to our email since XX/XX/XXXX. After another 1 hour hold, the rep says they need to rebuild our profile. Now the statements are working, but they keep trying to charge us a late fee after they admitted the issue and refunded the original late fee of {$29.00}. We can't pay what we can't see and again are told we need to talk to account security - same as above 2 hours then we hang up. 
Transaction Type Debit Transaction Description Purchases {$1.00} XXXX XXXX {$0.00} XXXX Date Cleared XX/XX/XXXX Amount - {$1.00} FI Reference Number XXXX Needless to say, we have closed this account and moved to XXXX where our other business is well served. However, the above issues linger.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : LVNV FUNDING LLC : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} XXXX XXXX XXXX ACCT : XXXX XX/XX/XXXX {$2200.00}
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am working with XXXX and TransUnion to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and TransUnion throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from TransUnion. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (GA)

This is to bring to your attention a significant concern about XXXX XXXX XXXX ' practices in regards to college graduates rebates. 

Yesterday I closed a deal on a 2022 XXXX XXXX with XXXX XXXX XXXX in the XXXX area. I tried to claim the {$500.00} college graduate rebate as part of the transaction and quickly realized that XXXX XXXX XXXX gouges college graduates by more than doubling their finance rates to obtain the rebate. 

I have XXXX credit score and before going to the dealership I qualified for 1.99 % interest rate for 60 months loan from another bank. Dealer finance manage told me that I have to obtain 4.35 % loan from XXXX to qualify for the rebate. When I read XXXX 's financial disclosure, it does not say anything about financing at a much higher rate ( more than double ) as a condition for obtaining it. 

Therefore, one of two things are happening : 1. XXXX XXXX XXXX is price gouging college graduates and abusing the rebate process for financial gain 2. Dealer ( as a representative for XXXX XXXX XXXX ) has significant demotivation to sell your loans and they are misrepresenting their rates. 

I just called their customer service line and as I expected, no one can address this concern.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This is my second attempt to get the information requested. Hunter Warfield replied with the same response as before. My demand is very specific. PROVIDE UN-REDACTED proof that you have a legal right to collect on this alleged debt. I am a federally protected consumer. My rights are being violated. 




I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law.
Consumer complaint received 2022-01-21
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. (SC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-11-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.
Consumer complaint received 2022-01-21
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. (MI)

On XXXX/XXXX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by the wrong person.
Consumer complaint received 2024-08-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: NAVY FEDERAL CREDIT UNION (AR)

I filed a complaint on XX/XX/XXXX about a dispute I filed with my prepaid card company Navy Federal Credit Union. My card company resolved the dispute, but closed my card account and never shipped me a replacement card in order to have access to my funds. Also on XX/XX/XXXX, before the complaint was filed, they removed {$74.00} from my account, and as of today those funds have not been returned.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SLM CORPORATION (FL)

I applied for a Sallie Mae Accelerate card in XXXX, XXXX and was approved immediately. I waited for the card to arrive and after a month I called because I hadnt received it so they sent another one. I received that one in XXXX. The card promised a {$200.00} reward if I spent {$1000.00} in the first three months after you open the account. I took that wording from the online ad that is still up. I started using the card in XXXX and by early in XXXX I had fulfilled the {$1000.00} commitment. Since The account had been opened in XXXX I figured XXXX would be three months from XXXX so I called the company to find out when I would receive the reward. I was told midXXXX. On XX/XX/XXXX I called again and was told I would get it at the close of my XXXX billing statement which was XX/XX/XXXX. On XX/XX/XXXX, the first day of my next billing cycle, I called again because I still hadnt been issued the reward. I was told at that point that I wouldnt get it until the end of the billing cycle in XXXX. I have a {$0.00} outstanding balance and I spent well over {$1000.00}. Their promise to reward a {$200.00} bonus was fraudulent and Im being scammed by this company.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

Account closed with one main XX/XX/XXXX. Account does not reflect being closed at that date to stop gaining interest. First two payments were made XX/XX/XXXX. Payments have been made on time consecutively since XX/XX/XXXX the account does not reflect on time payments. It only shows that no activity have been made for the past two years. Was never notified by the company that payments were not received nor were there any alerts received on my credit report or through any of my credit monitoring services. The only activity from the company was litigation actions with no forewarnings on my behalf.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

To be honest i dont know who or have the number nor email but i got a call from a loan service and accidently me being confident that day gave this guy my id number my bank account number etc my social my email to my bank account my routing number my password and i dont wan na get blamed for something i didnt do so for that reason i wanted to make this complaint just to ensure my safety because im bot going to go down for someone elses wrong of doing but anyways yes sorry for the inconvenience and just wanted to see whats going on with my credit score it says my credit scorebis locked and wan na get more information about that by any chance may you be able to help and wanted to see if you may help me get a backround check on myself to see if anybody is doing fraud on me. And future reference it says i put 2 different adresses but if so my keyboard on my phone probably auto corrected it and with out knowing submited the application i dont know who know but yes need guidance please and thank you for your time have a blessed day.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute these negative and inaccurate items and to no avail they are still there 40 days later without a response. I am not a credit repair company. I am representing myself.
Consumer complaint received 2024-08-12
Product: Credit reporting 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. (TX)

This is very alarming. Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score and potentially endangering my identity and be used for fraud. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.