davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the XXXX accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX  XXXX # XXXX If, after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I promptly deleted that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been disputing capital one for 8 monthsI have sent them about eight letters to verify my debt verification I never received anything the first XXXX or till now I have call them I can get thur to anyone who can help me capital one has came off my XXXX but its still on my XXXX XXXX and XXXX and reporting every month. Its illegal for them to keep reporting on my credit report without show me any documentation about my debt or my agreement
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is in a lawsuit settlement for unlawful practices with lending. I obtain a loan with them in XX/XX/2018. I was in an auto accident and could not to continue on the loan. The loan was written off as a loss but I believe that this mediation should be able to get me loan forgiveness.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I have been going through a dispute issue with USAA for over three months. When filing the original dispute, I informed the individual that my cell phone along with my wallet were accidentally left in my family members vehicle. Due to my XXXX XXXX, I am required to leave sticky notes containing my debit card pins, my USAA mobile banking code, my employer id, and so on. I was originally unsure as to who it was that made three unauthorized transactions on my account but after explaining the stress and hardships Ive received as a result, my family member ( XXXX XXXX ) confessed to making transfers on my account and making these transactions using the mobile app and my debit card pin which were all located on sticky notes in my wallet. He also provided a written statement confirming his actions, which I then sent over to USAA. They still are saying the dispute is not fraudulent despite him admitting to doing these transactions without my knowledge or permission. How is it that I am punished for something someone else did, due to my medical condition? I need answers he has admitted to doing these transactions and still nothing has been done.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I am extremely frustrated and outraged by the complete failure of Chime to handle this situation properly. On XX/XX/2024, I lost access to my Chime account, which I believed was due to a technical issue with the bank 's system. For an entire week, I couldnt log in or monitor my account! I contacted Chime multiple times during this period, both before and after I regained access. And now, on XX/XX/2024, Chime is telling me they didnt detect any suspicious activity until I called? Thats absolutely unacceptable! 

During that time, {$3800.00} was stolen from my accountyet the only response I got was, " We can send you a new debit card. '' Are you kidding me? That is NOT an appropriate solution for the magnitude of fraud that took place! When I finally set up a dispute, I was told to check my email to verify the details, only to find out that my email had been accessed by someone elsemost likely the same person who used it to log in to my bank account and drain my money! 

I expect immediate and thorough action from Chime, not just issuing a new debit card. I want to know how this happened and why it took so long for anyone to notice the fraud. {$3800.00} is a significant amount of money, and this issue needs to be resolved immediately. I will not settle for anything less than a complete investigation and the return of my funds.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

My loan to value is 74 % .By Law, LTV as soon as drops below 80 %, they should remove PMI. But they didn't. They keep charging me Private mortgage insurance {$110.00} each month. Can u Please help me out to remove PMI from my escrow account .I never missed payment. since 2005. ( Only some times few days late .They charge {$42.00} for late payment ) But not every month. They keep charging mortgage insurance. Current LTV on the basis of appraised value of 2005 is about 74 % .But Current house value according to XXXX XXXX XXXX XXXX  XXXX XXXX XXXXSo Current LTV should be around 71 % .XXXX  is about the same as XXXX XXXX XXXX. Due to this reason By law I m not required to pay PMI .Please help me to remove PMI from my mortgage account. Its been almost 16 years I m paying Private Mortgage Insurance. Thanks`
Consumer complaint received 2023-10-29
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: Experian Information Solutions Inc. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

i have sent them letters requesting they remove incorrect information off my credit report. I have asked them to send me proof that those are my accounts. They sent me a letter accusing me of using a credit repair company. i Called to remove inquires i get told i need to call them directly. they also sent me some papers requesting me to fill out an investigation i have already done that.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My address was recently change on my consumer report to an address that I have no association with. I have never lived at the address that is reporting on my consumer report. 15 USC 1681 ( a ) ( 4 ) states : There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the XXXX XXXX App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that XXXX XXXX still to this day has the wrong address on file for me after I have updated it multiple times.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forever 21XXXX 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 2022-11-14
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: Experian Information Solutions Inc. (AL)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; EXPERIAN XXXX CRED Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (AR)

XXXX XXXX is stating the debt was acquired from TX XXXX XXXX for portion not covered by insurance. This debt was originally sold to Pendrix Capital Partners. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When Pendrix attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXX XXXX  Account was used to rectify the debt. Then a bill from XXXX XXXX was received. Upon contact XXXX, I was advised that " Pendrix was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact Pendrix ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from XXXX to valid the amount on behalf of their client Pendrix. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.
Consumer complaint received 2020-03-05
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: National Credit Systems,Inc. (TX)

Back in the XXXX I went into XXXX XXXX and inquire about and 1 bedroom apartment. At the time there was a application fee and a processing fee. The agent XXXX was helping my daughter and me ; On this day it was storming so we wasn't able to see the apt . I went online and started the application process, and when back into the office to request to see the apartment. Once I view the apartment I advise XXXX that I did not like the apartment and would not be moving forward. XXXX ask if I did the application and I responded yes. In the beginning she advise that in order to get started I needed to bring and application fee, which I never gave and once approve I needed and deposited, which was never give. After that I started getting email about and apt , I called the office and ask why my credit was ran XXXX advise her manager did it. I called for month requesting to talk with the manager and even stop by. never get to talk with the manager. I found out about the report and the manager agreed that I never applied. I ask for this to be remove from my report and it is still on my report. I left a copy of the collection bill and never heard anything back. disputed this with the credit people and was told it was accurate. they cant show me any paperwork, processing check or deposit that I made. XXXX was left go, seems to me she was doing fraud to boost her numbers. However I don't owe this company {$150.00} and would like for it to be remove from my credit report..I also reached out to the collection company and was never send proof of this transaction
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (FL)

On XX/XX/XXXX, I contacted my HR director, XXXX XXXX XXXX, about not receiving my paycheck. I was informed that my payment was sent to new banking information that was allegedly provided by me. The HR department forwarded information showing a direct deposit change request with my name, address, and SSN but not my employee number. Additionally, the new mailing address did not match the one on file with our third-party payroll company, XXXX 

Upon further investigation, we discovered that an individual had hacked into my work email account and sent the direct deposit change request from my email. They had also set up a routing rule to move the email to the deleted folder, permanently deleting any responses. The only copy of this transaction is from the HR department 's records. 

In response, my employer shut down my email account and factory reset my computer. While they have agreed to reimburse me for my XX/XX/XXXX paycheck, they have refused to reimburse me for the XX/XX/XXXX paycheck, claiming I did not contact HR about the missing payment at that time. Normally, I diligently track my direct deposits, but during the XX/XX/XXXX paycheck period, I was dealing with multiple family emergencies, including the loss of my father and my fianc 's father, as well as moving. 

I have reached out to my employer to request reconsideration for the XX/XX/XXXX paycheck due to my extenuating circumstances, but I have yet to receive a definitive response. They sent me a copy of the handbook outlining the policy, but considering my situation, I asked to please consider a special request to pay the XX/XX/XXXX paycheck. 

I am currently under significant financial strain as I have not received my XX/XX/XXXX paycheck as promised, and the additional loss of my XX/XX/XXXX paycheck is causing immense stress. 

I have taken several steps to address the fraud, including filing a police report with XXXX XXXX, submitting a report to the FTC, and placing a freeze on my SSN with the three credit bureaus. I am now reaching out to explore options for recouping the loss if my employer does not reconsider my request to pay the XX/XX/XXXX paycheck. 

I also contacted SoFi bank regarding the routing number and the XXXX bank accounts that were set up fraudulently. I inquired whether the accounts were in my name and if I could be refunded. They informed me that the claim would be referred to their fraud department and that someone would reach out within 10 days. I followed up, but there has been no resolution, nor have I received any further communication from them. 

I appreciate your time and understanding in addressing this matter.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (GA)

We were told we would be able to do an FHA Streamline refinance on our house as soon as we were paying on it for since months by our lender, XXXX XXXX at SWBC. We talked about this probably once a month until the date was close enough to start submitting the paperwork. The process started on XX/XX/XXXX. We submitted all the paper work he needed almost immediately and was told not to make the XXXX payment because of the refinance costs. My wife and I trusting our lender did not and waited for him to get back with us. The last I heard via email was on XX/XX/XXXX and was told they were sending it to underwriting. We waited another week or so and started getting worried so I reached out to XXXX. I received a text back saying he would call me in an hour or so but it wound up being the next day before I heard back. This was nearing the end of XXXX and he told us there was some issue but he would get it resolved. He finally told us after several attempts to contact him later, at this point its after XX/XX/XXXX, that they can not do the refinance. This sent me and my wife reeling trying to catch back up on two mortgage payments and were unfortunately not able to get caught back up until XX/XX/XXXX. Now because all of this my wife and I have negative history on our credit and are unable to refinance somewhere else to get away from SWBC. This whole thing feels like a ploy to keep us shackled to them.