davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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: Conn's, Inc. (TX)

This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-02-20
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. (PA)

I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I submitted a dispute ( XXXX ) to Equifax to dispute a bankruptcy record from my credit report. A month ago, I checked my account online at my Equifax and my dispute was showing under investigation. I checked today and my dispute was still under investigation. According to the Fair Credit Reporting Act, if I do not receive a response for my dispute in 30 days, this record should be removed off my credit report. I called Equifax today requesting to have this record removed as I did not receive any notification from Equifax that this has been completed and under myEquifax account, it shows under investigation. Equifax explained that the dispute was completed from their end on XX/XX/XXXX and an email was sent to me. I explained to the rep that I did not receive an email that the dispute was completed. Plus, if this is system generated, an email will probably will not be generated if my dispute is showing currently in investigation. I have attached the screenshot from my Equifax account showing that the dispute is still in investigation.
Consumer complaint received 2016-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MI)

I purchased a bedroom set from Loves furniture. When delivered, two of the pieces were damaged. We took delivery on them because we were told replacements would be sent out. A couple weeks later, they filed for bankruptcy and when I went into the store they told me they were not sending anything out anymore due to the bankruptcy and I needed to open a dispute on my charge card. I opened the dispute with TD bank which is issuer of Loves furniture credit card. 3 months later I received a letter stating the case had been resolved and to contact an 800 number for service. When we contacted the number they laughed at us stating they were not offering replacements and to file a dispute. I contacted TD bank again to relay this information but was told they could not re-open the dispute but rather send a message/new note regarding the existing claim. This was around XX/XX/XXXX. I have contacted TD bank several times since then but never get anywhere. There are no updates on the account, and each time I call, I have to explain the entire situation to the representative and they tell me they will send an email. I just recently started keeping notes of the dates of contact. On XX/XX/XXXX, I was told an email was being sent to the dispute center and to call back for an update. I called on XX/XX/XXXX and was told their was nothing on the account. I insisted on speaking with a supervisor ( named XXXX ) who was supposed to contact the dispute center and call me back by XX/XX/20. She never called.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I activated my cap one credit card and used an atm terminal in a city I have no residence in. My account then started to show fraudulent charges after I utilized this atm. Ive called capital one and filed a fraud claim, but theyve rejected it.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

After diligently trying to keep up my credit score, I check my experian credit report and saw a new Debt Collecfion agency, CREDENCE RESOURCE MANA on my report stating that I owe them {$630.00}. This is incorrect therefore I sent a formal letter that this claim is disputed. I have no knowledge of this debt. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this debt collection agency.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained a copy of my consumer credit report and was concerned to discover two instances of late payments on an account for which I have never been late. As you know, the accuracy of consumer credit reports is crucial for individuals ' financial well-being, and any inaccuracies can have significant consequences. 

The account in question is under the name : XXXX XXXXXXXX with the account number : XXXX. I want to emphasize that I have a spotless record of timely payments for this account, and the reported late payments are entirely inaccurate. 

Therefore, I am formally requesting a thorough investigation into these discrepancies. I expect your agency to provide proof, in the form of statements or documentation, showing that these payments were indeed late. If such evidence can not be provided, I demand that these late payments be promptly corrected to reflect the accurate status of on-time payments. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

Thank you for your cooperation and understanding.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLIANT CREDIT UNION (TN)

On Wednesday XX/XX/XXXX I logged on to my alliant credit union mobile banking account and noticed I had been assessed a XXXX overdraft fee for a XXXX charge to XXXX. the balance showing currently in my account was XXXX. Alliant credit union did not pay the XXXX XXXX fee and instead assessed me an overdraft fee of XXXX. I then had another charge of XXXX from XXXX coming through and I made a mobile deposit of XXXX. I have never had any issues with any of my deposits going in right away ( same day ). However I made two deposits. OnXXXX for XXXX and one for XXXX. I made the deposits since mobile banking was showing I had an overdraft fee of XXXX assessed even though I still had money in the checking account. This time it said the deposits to get my account back into the positive would be held for 7 days. I called Alliant twice first on Wednesday XX/XX/XXXX to see what charges may have been pending in order for me to be assessed the overdraft fee. The agent I was speaking to had me on hold for over 20 minutes and could not tell me why I was charged that fee. After being on hold for so long I finally had to hang up. I then noticed on Friday XX/XX/XXXX I was charged another overdraft fee however had an avail balance of XXXX dollars. I called yet again to see why I was charged another fee but yet my deposits were being held. they tried saying my balance at one point was only {$50.00} when in fact mobile banking showed {$360.00}. I also asked why my deposits were being held as they do not have Alliant Credit Union banks here so I'm only able to make deposits via the mobile app and they advised me because my account had been " flagged '' for insufficient funds. I asked how did that make any sense if they were going to continue to assess overdraft fees but hold my deposit that I was trying to make to get the account back into the positive? I believe this bank to be assessing fees fraudulently. I had the same issue occur with this bank over 3 years ago with NSF fees. 3 years later they said they did an audit of my issue and determined the fees were assessed incorrectly and refunded them back to me. This bank does not have a location in my state therefore the only way for me to deposit funds is the mobile app. They have never held my deposits before and I was never notified that my account had been " flagged '' per the representative I spoke with on XX/XX/XXXX. I asked for an audit of the fees on my account as well as expressed my frustration with not being notified that my deposits would now be held unlike any other time where they automatically deposited
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within XXXX and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.
Consumer complaint received 2022-10-31
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. (IL)

I have been disputing for the correction of my Credit file for tha last 2 months now, and I am grateful for the Credit Bureaus actions as they decided to remove some of the fraudulent items from my Credit File. However, as I inspect my Credit Report, there are still some acccounts and information that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Once again, I was a victim of identity theft and that the disputed accounts and information must be removed from my Credit file under the FCRA section 605b. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX O XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of ownership or any documents bearing my signature to support their Claims. In the event that the Credit Bureaus find no signed documents, please remove the disputed items completely from my Credit file.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

I have been trying to contact Conn 's Credit Corp. to dispute the validity of an account. On XX/XX/2021, I submitted my initial letter to the address listed on my credit report to validate the debt of {$4400.00} and the letter was returned. On XX/XX/2021, I submitted another letter to an address that I was able to locate online and it was also returned to me to validate this debt. I have not been able to successfully reach them at the contact information that is provided on my credit report.
Consumer complaint received 2021-04-23
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. (CA)

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2023-06-29
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. (TX)

this mortgage was foreclosed on XX/XX/2019 however XXXX XXXX XXXX repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

I closed on my house in XXXX of XXXX. The estimated monthly payment was given as XXXX dollars. In XXXX of XXXX I received a letter stating my new mortgage was going to be XXXX dollars due to a change in escrow. The company claimed that the change occurred because the original estimation for flood insurance was {$510.00}, but when they were billed it was {$2600.00}. I don't know where the XXXX came from. The original quote we got for flood insurance was for {$2600.00}. This was a typographical error that caused them to present a monthly payment amount that was not originally discussed. I believe this to be a violation of the Truth in Lending Act. Had they provided me with the correct number I would have reached out to different vendors for better pricing/rates. This error will cost me {$60000.00} over the course of the loan.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

We closed on a conventional mortgage refinance on XX/XX/2021. Our previous loan servicing company, Dovenmuehle Mortgage, claimed to have processed our escrow account refund ( {$7100.00} ) onXX/XX/2021. We never received the payment and requested it to be re-issued on XX/XX/2021. We were told the re-issued payment would be received within 30 days. We never received the second attempt at payment. 

After approximately two weeks, we were told the check was cut and being sent out and would be received within 5-7 days. No check ever arrived. 

After numerous calls to their customer service department and getting different answers each time, we were finally advised on XX/XX/2021that our original request for re-issuance of the payment on XX/XX/XXXX was still being processed and they had 60 days in which to do so. I asked to speak to a higher level supervisor and was told that request would take 5-7 business days. I was also told all other information provided to me prior to this call was incorrect and they didn't know why I was told what I was told. 

Dovenmuehle refuses to issue the refund in any other manner than a mailed paper check. I asked for proof that a check was even actually mailed initially and they were not able to provide that information, suggesting that it was still only being processed and not sent out after the 20 days required by law.
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (TX)

I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.
Consumer complaint received 2021-04-23
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. (TN)

I have contacted Equifax and the Creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

good morning, i am file this complaint because the PayPal company it looks like scammer company. 
they close my account after i received {$1300.00} in my account. 
They told me after 180 days i can withdrawn my money and i will received a notification by email. 

200 days passed and PayPal sent me the email for withdrawn my money to my email but they still blocked me and they dont want help me to withdraw my fund. 

i called many time and they said PayPal don't have any time when the money is going to be available. 
i said i was waiting for 200 days and you sent the email. 
that mean PayPal do not respect their own Polices. 

my email is XXXX. 

cfpb can see my proof, i m really sure that im not the only Person with this problem. 

Many scammer company like that are now close, i hope my complaint can be help to alert about PayPal is not making legal things. 

other important thing is i don't have any dispute or chargeback. 
i m never been associate with any Fraud activity. 

I M frustrate with this company.