davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OH)

On XX/XX/XXXX, I entered into a 36 month lease for a Acura MDX at {$500.00} per month. Included in the lease was the Ohio sales tax of {$1200.00}, which was amortized over the life of the lease in the {$500.00} payment. On XX/XX/XXXX I extended the lease XXXX months, and was required to make an up front payment of {$190.00} for the Ohio sales tax on the extension. As the {$1200.00} sales tax was amortized over the original lease term, my payment should have been reduced by the portion of the {$500.00} going to pay off that obligation, that amount would be approximately {$36.00} per month. 
When I called Acura Financial Services I was told they would not correct this inequity. 
My last conversation was on XX/XX/XXXX with XXXX XXXX who told me they would do nothing for me.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

I have spoken to and reviewed my credit report and the reasons for a denial from XXXX XXXX ( letter attached ) are listed. 
Either the information is being reported incorrectly or XXXX XXXX is not reviewing the correct file. 
I applied for a XXXX XXXX credit card through XXXX XXXX and was declined. 
I have spoken to them on 3 different occasions only to be told that this is what the credit bureau is reporting to us. 
I have a current account with XXXX XXXX that I have has since 2014 which has been give XXXX credit line increases over the years and my payments have Always been on time. 
I have no past due accounts and approx XXXX revolving current credit accounts all CURRENT.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

During my XXXX  appointment today XX/XX/21, I tried to use my Care Credit card only to find out that Synchrony Bank  closed it six days prior on XX/XX/21 without any notice. This was a unexpected XXXX  emergency and I had full expectations on using this card due to Covid and shutdowns money is tight. I called and was told that I could reapply. I only had the Care Credit card for less than one year and never made a charge with it. I have several cards through Synchrony Bank which have all been paid on time. For a company to do this in the middle of a pandemic all while posting that they are here to help during this time is so contradictory.
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted.
Consumer complaint received 2016-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMPUTER SCIENCES CORPORATION (CT)

my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i please
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NJ)

I went to get my free annual credit report from Experian and basically to do it, I would have to get charged XXXX dollar and get forced into a trial period for a service I do not want. I also looked at XXXX and XXXX XXXX and found the same thing. I am concerned about identity theft, as I had recent unauthorized activity on one of my credit cards, but I have to pay and be forced into a trial of a product or service I do not want to be able to check my credit, even for the first time in a year. I find that not only deceptive and unfair, but bordering upon abuse of the public to force them to buy services or products in order to get a service that is supposed to be free once a year. When I told Experian I wanted a free credit report, they referred me to yet another site that is neither of the XXXX bureaus.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (RI)

Someone from a XXXX called at a time I was busy. Mistakenly I gave my SSN. Realizing my error I issued a credit freeze in all XXXX companies. This happened months ago. This week I received a letter from Experian stating there were changes made to credit report. I went to XXXX and my SSN variation has a wrong number. My date of birth is also wrong, and a telephone number attributed to me was also wrong. I am afraid that in spite of having my credit frozen someone is stealing my identity. Thank you -- please help
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian provided wrong information on my credit report yet again. I never had any collections and/or late payments on any of my accounts. According to most recent Experian report that was provided by a credit reporting company after last dispute with XXXX was initiated I have late payments on the accounts with XXXX and Child support enforcement. I do n't have and never had any late payments on any of my accounts, nor have the knowledge of them. 
I respectfully request your assistance in removing incorrect information from my account and updating my credit score.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United PanAm Financial Corp. (PA)

United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,
Consumer complaint received 2020-06-09
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: BARCLAYS BANK DELAWARE (NY)

Hey back on XX/XX/2020 I had applied for different Barclays cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my XXXX  score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said XXXX  I need to contact. XXXX  said everything is good and I need to tell barclays that but going around in circles.
Consumer complaint received 2016-02-07
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: ALLY FINANCIAL INC. (AZ)

Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Dear Consumer Finance Protection Bureau, I am writing to file a complaint about my checking account with PNC Bank. Since XX/XX/XXXX, my account has been subject to a legal hold, which has prevented me from using it in any way. Despite this, PNC Bank has continued to charge a monthly service fee of {$7.00}, leaving me unable to close the account or access my funds. I believe that this is unfair and unjustified, as I have no control over the legal hold or my account balance. 

I have requested that PNC Bank refund the fees that I have paid for the past year and suspend future service fees, but they have refused to do so. As of XX/XX/XXXX, my account balance is {$240.00}, but PNC Bank continues to deduct {$7.00} per month, leaving me concerned about what will happen once my balance is depleted. Will PNC Bank begin charging me overdraft fees? 

I am disappointed that PNC Bank has not been more responsive to my concerns and that I am being forced to pay for a service I can not use. I believe that my account is being held hostage and that PNC Bank is unfairly benefiting from my financial hardship. Therefore, I would like to request that the fees for my account be waived, and that any future fees be suspended until the legal hold is resolved. 

I have included my account statements and chat transcripts with PNC Bank as evidence, and I would appreciate your assistance in resolving this issue. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group (NY)

I was contacted by a company named XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of Superlative RM to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mark A. Kirkorsky, PC (VA)

This person MARK A KIRKKORSKY PC Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX has repeatedly hard inquired my credit report without my authorization. Has continuously sent me threatening letters and has continually harassed me about a debt that was n't even mine. I have never given this person permission to pull my credit report nor have I ever given him my social security number. He can not show any signed account agreement to me of any type whatsoever and I have told him repeatedly that I do not owe this money to him or anyone else. And i wish to file a complaint on the grounds that he is using illegal tactics to collect a debt from me which I do not owe. I never opened any account with this fleet response company or united rentals. He has not given me any documentation showing otherwise.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent the notice of Lien Withdrawal to all XXXX credit bureaus. XXXX and XXXX promptly removed the public report promptly. Transunion mailed me a letter that stated that the item was verified and would not be removed. I then sent another request and recieved the same response. I would like the credit bureau to report accurate information and remove this vacated lien.
Consumer complaint received 2016-07-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/year> I sent XXXX Equifax and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2023-07-10
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. (TX)

I am in the process of purchasing a home and the XXXX  lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the XXXX XXXX advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, Transunion, and XXXX ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CO)

I am unable to access any of my bank accounts or money for the past XXXX hours at Ally bank due to them taking their systems down for unscheduled extended maintenance. The bank does not have an estimated time for their systems to be fixed and can not make my money available for withdrawal via an ATM, leaving me without access to any of my money.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.